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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 3,037Posts
    • 13,540Thanks
    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 - £17,409.18/14,539.71
Page 108
    • TheMsTeal
    • By TheMsTeal 13th Sep 17, 8:35 AM
    • 132 Posts
    • 496 Thanks
    TheMsTeal
    Morning All! 0.50 to cc. Thanks.
    Debt Free Day Target: November 2018

    £2 Savers Club 2017: no 41
    • Mummy_bear
    • By Mummy_bear 13th Sep 17, 9:26 AM
    • 255 Posts
    • 976 Thanks
    Mummy_bear
    Morning,

    £10 towards Next account
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) £37139.86
    £5932.55/£37139.86 15.97% paid
    Estimated DFD JUNE 2020 (calculated July 2017)
    Debt Free by Christmas Challenge
    Total cleared £3362.89/£9091.72 36.98% paid
    • AdventureWanted
    • By AdventureWanted 13th Sep 17, 10:07 AM
    • 123 Posts
    • 479 Thanks
    AdventureWanted
    Hi, I'd like to join please. 75p to CC1.
    LBM Aug 2017. DFD - Dec 2021
    CC1 - £1,793.61 / £5,185 1/8/17. CC2 - £7,150.00 / £13,470 1/8/17. CC3 - £10.940.00 / £11,400 1/8/17
    CC4 - £13,000.00 / £13,000 20/11/17

    1% challenge - 65%. PAD challenge - £1,369.16 (since 13/9/17)
    • dg1019
    • By dg1019 13th Sep 17, 6:26 PM
    • 100 Posts
    • 570 Thanks
    dg1019
    It was a day of tiny pads yesterday. 10 people made a pad and none over £10. It all adds up!

    Total for 12 September was £44.01
    LBM 24/07/17
    02/10/17: CC1=£1879.68 CC2=£3351.56 CC3=£1849.28 CC4=£2337.38 OD=£0 Total=£9417.90 / £11763.90 (19.94% repaid)
    • jet9cat
    • By jet9cat 13th Sep 17, 7:11 PM
    • 1,343 Posts
    • 10,060 Thanks
    jet9cat
    A bigger PAD today of £449.50 please dg1019
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • Mummy_bear
    • By Mummy_bear 13th Sep 17, 8:38 PM
    • 255 Posts
    • 976 Thanks
    Mummy_bear
    Second pad for today

    £8.45 onto the NEXT account
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) £37139.86
    £5932.55/£37139.86 15.97% paid
    Estimated DFD JUNE 2020 (calculated July 2017)
    Debt Free by Christmas Challenge
    Total cleared £3362.89/£9091.72 36.98% paid
    • dg1019
    • By dg1019 13th Sep 17, 10:00 PM
    • 100 Posts
    • 570 Thanks
    dg1019
    £2 eventually to card 1. Technology not cooperating and laptop in intensive care
    LBM 24/07/17
    02/10/17: CC1=£1879.68 CC2=£3351.56 CC3=£1849.28 CC4=£2337.38 OD=£0 Total=£9417.90 / £11763.90 (19.94% repaid)
    • sashanut
    • By sashanut 13th Sep 17, 10:43 PM
    • 2,586 Posts
    • 24,158 Thanks
    sashanut
    Hi all

    Popping to PAD £12.03 payment to M&S cc plz dg1019 - tkyou!
    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
    • LittleMissDetermined
    • By LittleMissDetermined 14th Sep 17, 8:45 AM
    • 1,799 Posts
    • 7,514 Thanks
    LittleMissDetermined
    Morning

    A bank skim to barclaycard tody of £1.06

    LMD x
    Target Debt Free Day 27th Jun 2019
    Life gets in the way...PADding is addictive... Saving's better than spending...

    £1000 EF Challenge #142 £1285/£1000 ... 3-6Mth Wages Challenge #4 £3700/£7129...
    24 months of Debt-busting to go...
    • TheMsTeal
    • By TheMsTeal 14th Sep 17, 8:59 AM
    • 132 Posts
    • 496 Thanks
    TheMsTeal
    0.50 to cc.
    Debt Free Day Target: November 2018

    £2 Savers Club 2017: no 41
    • AdventureWanted
    • By AdventureWanted 14th Sep 17, 9:31 AM
    • 123 Posts
    • 479 Thanks
    AdventureWanted
    Account rounds down of £1.69 (£1.05 to CC1, 64p to Mortgage)
    LBM Aug 2017. DFD - Dec 2021
    CC1 - £1,793.61 / £5,185 1/8/17. CC2 - £7,150.00 / £13,470 1/8/17. CC3 - £10.940.00 / £11,400 1/8/17
    CC4 - £13,000.00 / £13,000 20/11/17

    1% challenge - 65%. PAD challenge - £1,369.16 (since 13/9/17)
    • kirtsypoos
    • By kirtsypoos 14th Sep 17, 10:17 AM
    • 3,037 Posts
    • 13,540 Thanks
    kirtsypoos
    Morning all,

    £108.13 mortgage OP for me today
    £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 - £17,409.18/14,539.71
    • Mummy_bear
    • By Mummy_bear 14th Sep 17, 12:12 PM
    • 255 Posts
    • 976 Thanks
    Mummy_bear
    Hi,

    £6 to the Emergency Fund
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) £37139.86
    £5932.55/£37139.86 15.97% paid
    Estimated DFD JUNE 2020 (calculated July 2017)
    Debt Free by Christmas Challenge
    Total cleared £3362.89/£9091.72 36.98% paid
    • mandz1
    • By mandz1 14th Sep 17, 6:25 PM
    • 2,495 Posts
    • 10,851 Thanks
    mandz1
    £8.36 to cc1 please
    PAD Maker
    SPC 570
    • dg1019
    • By dg1019 14th Sep 17, 8:04 PM
    • 100 Posts
    • 570 Thanks
    dg1019
    Total for 13 September is £483.54
    LBM 24/07/17
    02/10/17: CC1=£1879.68 CC2=£3351.56 CC3=£1849.28 CC4=£2337.38 OD=£0 Total=£9417.90 / £11763.90 (19.94% repaid)
    • dg1019
    • By dg1019 14th Sep 17, 8:05 PM
    • 100 Posts
    • 570 Thanks
    dg1019
    Today's pad is £2 to card 1.
    LBM 24/07/17
    02/10/17: CC1=£1879.68 CC2=£3351.56 CC3=£1849.28 CC4=£2337.38 OD=£0 Total=£9417.90 / £11763.90 (19.94% repaid)
    • IWILLgetthere
    • By IWILLgetthere 14th Sep 17, 8:32 PM
    • 58 Posts
    • 267 Thanks
    IWILLgetthere
    Evening everyone
    a teeny £0.28p to Next for me today please
    • Mummy_bear
    • By Mummy_bear 14th Sep 17, 9:19 PM
    • 255 Posts
    • 976 Thanks
    Mummy_bear
    Evening, another pad today

    £1.51 to my Barclaycard

    MB
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) £37139.86
    £5932.55/£37139.86 15.97% paid
    Estimated DFD JUNE 2020 (calculated July 2017)
    Debt Free by Christmas Challenge
    Total cleared £3362.89/£9091.72 36.98% paid
    • jet9cat
    • By jet9cat 14th Sep 17, 9:51 PM
    • 1,343 Posts
    • 10,060 Thanks
    jet9cat
    £10.30 for me 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 14th Sep 17, 11:02 PM
    • 300 Posts
    • 1,643 Thanks
    cufc_mike
    Just a bank round down for me today. £3.61 off my cc.

    Gutted to see my cc balance somewhat higher than what I had calculated myself. So I've been back through my cc statement, my bank statement and what I've posted on here to find that on 4-5 occasions I've posted on here, and not followed it up with an actual payment. Means I'm £40 lower than I thought I was.
    Credit Card: 1st Aug 2017 --> £1,371.04 NOW --> £222.95 (83% of the way there!)
    Make a Payment a Day: £213.51 in Aug, £167.55 in Sep, £300.00 in Oct, £467.03 in Nov
    Make £400 November Challenge: £424.22 / £400 (£1,964.06 since Aug '17)
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