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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 3,042Posts
    • 13,499Thanks
    kirtsypoos
    Payment A Day Chapter 18
    • #1
    • 22nd Jan 17, 3:05 PM
    Payment A Day Chapter 18 22nd Jan 17 at 3:05 PM
    *The principles of PADding*

    Emily Hallett started a fantastic thread called 'a payment a day' which you can find via going to this webpage (sorry it won't work for me right now)

    The thread is extremely supportive and friendly, with lots of madness and smileys to boot! It is ever increasing, which is why having hit 200 pages, challenge is continuing on a brand new thread.

    The principle of the idea is that you pay any extra money you have against a debt to clear it a little bit quicker. Not everyone makes a daily payment, but instead they save money to make a lump sum at the end of the month. You can do it anyway you want to, but join the thread and let us know how you are getting on.

    Some PaD-ers have cleared their debts and are now focusing on saving following the same principal, so they still post on the thread. Anyone is welcome to join in at anytime.

    Best wishes to everyone

    PS. Here are the rules


    *The Rules*
    1) To assist the monthly 'counter-upper' please post your PaD in Bold, colour, large, or all three
    2) Once you join, you cannot leave

    Total for our Latest Month (May 2016) was:
    £11,278.15 (Thanks Bobarella for being Mays counter Upper )
    June 2016:
    £27,734.49
    July 2016:
    £24,284.13
    August 2016:
    £30,740.14
    September 2016:
    £27,504.99
    October 2016:
    £14,546.08
    November 2016:
    £7,661.39
    December 2016:
    £4541.33

    Total for 2016
    £240,681.72


    January 2017 - Huge thank you to Keedie for keeping tabs
    £13,746.74

    Feb 2017 - Keedie doing the honours
    £7,930.50

    March 2017 - Huge thanks to Mandz
    £15,192.39

    April 2017
    £18,117.88

    May 2017
    £12,909.60

    June 2017
    £15,548.01

    July 2017
    £10983.76

    August 2017
    £13,640.17

    September 2017
    £12303.59

    October 2017
    £11,151.91
    Last edited by kirtsypoos; 03-11-2017 at 11:51 AM.
    £250/3000 OH BC(91.66% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £250/31010.23 (99.19% paid)
    Mortgage - £161,000.00 (2017 O/P £2221.94) PAYDBX 17 #006 - £17,309.18/14,539.71
Page 139
    • kirtsypoos
    • By kirtsypoos 14th Nov 17, 3:33 PM
    • 3,042 Posts
    • 13,499 Thanks
    kirtsypoos
    Afternoon all!

    Mortgage OP of £156.06 for me today please
    £250/3000 OH BC(91.66% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £250/31010.23 (99.19% paid)
    Mortgage - £161,000.00 (2017 O/P £2221.94) PAYDBX 17 #006 - £17,309.18/14,539.71
    • erin_transport
    • By erin_transport 14th Nov 17, 8:43 PM
    • 320 Posts
    • 1,526 Thanks
    erin_transport
    Evening
    £350 long awaited refund arrived and sent to mortgage over payment
    £88 to pension pot
    £438 total for me today
    On a mission!
    • ahall3519
    • By ahall3519 14th Nov 17, 9:14 PM
    • 178 Posts
    • 624 Thanks
    ahall3519
    Good evening everyone! Hope everyone is well! Please put me down for £19 to my usual debt two!

    Thanks!
    Barclaycard Debt as of April 2016-£1008.07 As of 30th January 2017=100% paid

    Lloyds Credit Card Debt number 2 as of January 2017-£1757.96 As of October 2017 statement-£111.86=94% paid

    OH's Sainsbury's CC total-£1189.53-total paid to date=£1148.03=3%
    • cufc_mike
    • By cufc_mike 14th Nov 17, 10:46 PM
    • 285 Posts
    • 1,571 Thanks
    cufc_mike
    £30.00 off my cc today Finally passed the £1,000 PAD mark since I started in August.
    Credit Card: 1st Aug 2017 --> £1,371.04 NOW --> £300.00 (78% of the way there!)
    Make a Payment a Day: £213.51 in Aug, £167.55 in Sep, £300.00 in Oct, £389.98 in Nov
    Make £400 November Challenge: £314.85 / £400 (£1,854.69 since Aug '17)
    • sashanut
    • By sashanut 14th Nov 17, 11:52 PM
    • 2,580 Posts
    • 24,111 Thanks
    sashanut
    Hi all

    Popping in to PAD - £10.00 - pmt to M&S cc plz cufc_mike - tkyou!!

    And congratulations on passing the £1K mark - wooooo
    New start JAN15 - NOT BUYING IT 2015 . Long haul DFW #145 : 2011 DEBTBUSTING : £5500 OD GONE, £2000 OD - GONE £93,610.30 cc & loan debt - GONE 27.6.14 FINALLY DEBT & MORTGAGE FREE
    • cufc_mike
    • By cufc_mike 15th Nov 17, 12:57 AM
    • 285 Posts
    • 1,571 Thanks
    cufc_mike
    The total payments for Tuesday 14th November:
    £667.69



    CURRENT NOVEMBER TOTAL:
    £6,567.18

    Credit Card: 1st Aug 2017 --> £1,371.04 NOW --> £300.00 (78% of the way there!)
    Make a Payment a Day: £213.51 in Aug, £167.55 in Sep, £300.00 in Oct, £389.98 in Nov
    Make £400 November Challenge: £314.85 / £400 (£1,854.69 since Aug '17)
    • JAMIEDODGER
    • By JAMIEDODGER 15th Nov 17, 4:38 AM
    • 4,117 Posts
    • 17,974 Thanks
    JAMIEDODGER
    £2.02 for me today please
    #185 12k in 2017 - £5450/£8000
    • Cazzell
    • By Cazzell 15th Nov 17, 6:04 AM
    • 35 Posts
    • 266 Thanks
    Cazzell
    PAD £3.51 from bank round down today please.
    Proud to be dealing with my debts
    Snowball amount £25548.54
    PAD Challenge £178.93 (Oct - Nov 2017)
    1% Challenge so far 2% (Oct - Nov 2017)
    • TheMsTeal
    • By TheMsTeal 15th Nov 17, 7:40 AM
    • 130 Posts
    • 482 Thanks
    TheMsTeal
    Token 40p to cc.
    Debt Free Day Target: November 2018

    £2 Savers Club 2017: no 41
    • jacksmummy160712
    • By jacksmummy160712 15th Nov 17, 1:57 PM
    • 10 Posts
    • 51 Thanks
    jacksmummy160712
    hello everyone,
    First PAD of £8.19 made today. happy with that as a start to clearing the debts.
    Last edited by jacksmummy160712; 15-11-2017 at 1:58 PM. Reason: add more
    WANNA BE DEBT FREE BY END OF 2019
    BARCLAYCARD@2.3125%:£1825.56.... CAPITAL ONE: £370.00.... VERY:£455.11
    • AdventureWanted
    • By AdventureWanted 15th Nov 17, 2:21 PM
    • 115 Posts
    • 443 Thanks
    AdventureWanted
    £5 paid to CC1 today.
    • erin_transport
    • By erin_transport 15th Nov 17, 2:49 PM
    • 320 Posts
    • 1,526 Thanks
    erin_transport
    Hi
    £10 to isa today.
    Thanks
    On a mission!
    • ahall3519
    • By ahall3519 15th Nov 17, 5:33 PM
    • 178 Posts
    • 624 Thanks
    ahall3519
    Well done CUFC_Mike!

    Please put me down for £33 to the OH's CC.

    Thanks!
    Barclaycard Debt as of April 2016-£1008.07 As of 30th January 2017=100% paid

    Lloyds Credit Card Debt number 2 as of January 2017-£1757.96 As of October 2017 statement-£111.86=94% paid

    OH's Sainsbury's CC total-£1189.53-total paid to date=£1148.03=3%
    • jet9cat
    • By jet9cat 15th Nov 17, 6:13 PM
    • 1,342 Posts
    • 10,055 Thanks
    jet9cat
    £35 cleared off the balance cc today please
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • cufc_mike
    • By cufc_mike 15th Nov 17, 10:54 PM
    • 285 Posts
    • 1,571 Thanks
    cufc_mike
    £15.00 off my cc today.

    hello everyone,
    First PAD of £8.19 made today. happy with that as a start to clearing the debts.
    Originally posted by jacksmummy160712
    Welcome jacksmummy, I'm Jack's daddy, a different Jack.

    It's lovely to see more people joining in. I don't know about the rest of you, but I find it very addictive, and consider every daily PAD to be an achievement.

    Don't overdo it, and don't feel like every day you MUST make a huge PAD to make a statement. It's got to be right for you, but at the same time, every PAD made is a bonus, no matter how small.

    The token 40p PAD's, or the £1.17 bank round downs are as important as the big £100+ PAD's. Good luck to all, and keep up the fantastic work.

    For any lurkers, it doesn't matter that it's mid-month, come say hello and join in. Don't wait until 1st December, that would be 15 missed potential PAD's.
    Credit Card: 1st Aug 2017 --> £1,371.04 NOW --> £300.00 (78% of the way there!)
    Make a Payment a Day: £213.51 in Aug, £167.55 in Sep, £300.00 in Oct, £389.98 in Nov
    Make £400 November Challenge: £314.85 / £400 (£1,854.69 since Aug '17)
    • cufc_mike
    • By cufc_mike 16th Nov 17, 12:11 AM
    • 285 Posts
    • 1,571 Thanks
    cufc_mike
    The total payments for Wednesday 15th November:
    £112.12



    CURRENT NOVEMBER TOTAL:
    £6,679.30

    Credit Card: 1st Aug 2017 --> £1,371.04 NOW --> £300.00 (78% of the way there!)
    Make a Payment a Day: £213.51 in Aug, £167.55 in Sep, £300.00 in Oct, £389.98 in Nov
    Make £400 November Challenge: £314.85 / £400 (£1,854.69 since Aug '17)
    • TheMsTeal
    • By TheMsTeal 16th Nov 17, 9:22 AM
    • 130 Posts
    • 482 Thanks
    TheMsTeal
    Token 40p to cc.
    Debt Free Day Target: November 2018

    £2 Savers Club 2017: no 41
    • mandz1
    • By mandz1 16th Nov 17, 12:43 PM
    • 2,495 Posts
    • 10,850 Thanks
    mandz1
    £10 to cc1 today please
    PAD Maker
    SPC 570
    • erin_transport
    • By erin_transport 16th Nov 17, 7:11 PM
    • 320 Posts
    • 1,526 Thanks
    erin_transport
    Evening
    15.05 to cc1
    2.05 to cc2
    £17.10 for me today
    On a mission!
    • AdventureWanted
    • By AdventureWanted 16th Nov 17, 9:16 PM
    • 115 Posts
    • 443 Thanks
    AdventureWanted
    57p Bank round down to CC1 today.
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