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A Payment A Day - Part 9
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# 1
clearing_out_my_pockets
Old 28-07-2010, 10:58 AM
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Join Date: Dec 2008
Posts: 2,844
Default A Payment A Day - Part 9

Official MoneySavingExpert.com insert:


What's it about? The Payment a Day (PaD) forum thread started in 2008, based on the idea of making a payment to just one debt every day – even if just a penny.

Two years later, nine forum threads have been filled and half a million pounds of debt paid off, proving it really does work. So we're giving it a special mention in the weekly email to help inspire others, and say congrats to all involved.

Can I join in? Of course - just sign up to the forum (it's free) and click 'reply' to say hi to your fellow PaD-ers!


Back to the original post...

-----------------------------------------------------------------------------------------------------------------------------

*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

*The principles*

Emily Hallett started a fantastic thread called 'a payment a day' which you can find here:

Thread 1

The thread was a huge success and was continued in 'A Payment a Day Parts 2-8'. Those threads can be found here:

Thread 2 Thread 3 Thread 4 Thread 5 Thread 6 Thread 7 Thread 8

The thread is extremely supportive and friendly, with lots of madness and smileys to boot! It is ever increasing, which is why part 9 has now been started.

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

*The numbers*

To show how well we all do, the collective amount paid to each debt, per month, will be logged here. Look how amazing the totals are

January 49,718.31 What a great start to the year!!
February 55,442.48
March 49,726.57
April 41,898.23
May 47,278.84
June 48,604.92
July 41,914.26
August 57,074.96
September 31,421.27
October 40,050.33
November 37,664.42
December


2010 so far : 500,794.59

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Last edited by clearing_out_my_pockets; 10-12-2010 at 2:36 PM. Reason: Re-formatted
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# 2
mooomin
Old 28-07-2010, 12:52 PM
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Join Date: Jun 2008
Location: Mooomin Towers
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Default

Happy birthday to Andy too
Sealed Pot Challenge #272 - 141.43 banked

I never remember to update my challenge signatures
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# 3
Thrifty Pixie
Old 28-07-2010, 1:21 PM
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Join Date: Sep 2009
Posts: 1,009
Default

G'day all!

PADs for me are...

Yesterday:
2 coin into Mad Catter
30.57 rounding down account into online saver
Today:
2 coin into Mad Catter
500 into ISA
7.27 ISA interest
50 into online saver

Grand total = 591.84 please

Happy birthday to everyone who flewped into this world today

I have a cold

*cough*
*sniff*

*meep* x
Mortgage-Free Wannabe #114
Mortgage at start [20/6/12]: 151,800/MFD Jun 2035 (age 65)
Mortgage now [28/8/14]: 140,645.23/MFD Aug 2029 (age 58)
Personal Library 2014
Read: 46 Books In: 76 Books Out: 11 TBR: 841
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# 4
mumofthreemonkies83
Old 28-07-2010, 2:23 PM
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Join Date: Nov 2007
Location: Manchester
Posts: 606
Default

Afternoon all

Just weighed in and have lost 2lb , thats not bad for 4 days work is it
Ive not really excercized excersized exersized worked out either

Hopefully that should spur me on to do better **downs doritos and wipes face**

Mumof4 xx
03/12/2010 9,736.56
15/2/2011 9878.75

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# 5
mumofthreemonkies83
Old 28-07-2010, 2:28 PM
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Join Date: Nov 2007
Location: Manchester
Posts: 606
Default

Oh also, whilst the boys are asleep...

I went overdrawn yesterday on my current account and dont have an overdraft.It was only 20 and simply because a debit was taken yesterday monring.
I had every intention of paying in another 20 so I wouldnt be charged (Lloyds tsb say if you go over and get back in the black by 3/4pm you wont be charged) but when I went to my branch at 1.05pm it was locked with a note on the door saying back at 1.30.

They dont close at dinner as a rule and nothing is mentioned on their opening times so do you think I have some fair argument for asking them to waive it? I did try to pay it in but I have 4 kids, all on half term and its a real trek to the bank, especially if id gone twice considering they normally would have been open

Im thinking if im nice they might let me off

Any opinions?
Mumof4 xx
03/12/2010 9,736.56
15/2/2011 9878.75

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# 6
sashanut
Old 28-07-2010, 2:32 PM
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Join Date: Jan 2006
Location: Beautiful Pennine Yorkshire
Posts: 1,755
Default

Hi all

Many happy returns of the day to all birthday peoples.....hope it's a good one! Popping in to PAD - sorry didn't get on yesterday, but it was only a 2 coin into the VW Campervan moneybox. BUT add it to today's which is 2653.31 to DH's evil eggy one - makes a today total PAD of 2655.31 please Angelic

Had to pay that from my 0% Bt when I checked up & realised that the evil eggies had sneakily put up their IR to nearly 27%
New start JAN14 - DF THIS YEAR!! We are 2 adults/2 cats/3 dogs. Long haul DFW #145 : 2011 DEBTBUSTING : 5500 OD GONE, 2000 OD - GONE 93,610.30 cc & loan debt - GONE 27.6.14 DEBT FREE
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# 7
Eager_Elephant
Old 28-07-2010, 3:14 PM
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Join Date: Sep 2004
Posts: 2,360
Default

Quote:
Originally Posted by mumofthreemonkies83 View Post
Oh also, whilst the boys are asleep...

I went overdrawn yesterday on my current account and dont have an overdraft.It was only 20 and simply because a debit was taken yesterday monring.
I had every intention of paying in another 20 so I wouldnt be charged (Lloyds tsb say if you go over and get back in the black by 3/4pm you wont be charged) but when I went to my branch at 1.05pm it was locked with a note on the door saying back at 1.30.

They dont close at dinner as a rule and nothing is mentioned on their opening times so do you think I have some fair argument for asking them to waive it? I did try to pay it in but I have 4 kids, all on half term and its a real trek to the bank, especially if id gone twice considering they normally would have been open

Im thinking if im nice they might let me off

Any opinions?
Mumof4 xx
If you get a charge ring them up and beg/plead - they normally let you off a few times a year

Hope your appointment on Monday went well

EE
Payment A Day Challenge
2009- Mar 2010 - 3969.62
2014 - 90.02/933.01
My Diary can be found on the Diaries Thread - Eager Elephants Effective Everyday Excursion...
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# 8
saorsie
Old 28-07-2010, 3:46 PM
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Join Date: Nov 2009
Posts: 1,901
Default

EEEEEkkkkkkk how did that happen - when did Part 9 sneak in?! Hope everybody's ok - haven't got time to pop back onto old thread to check up

Anyway a PAD of 6.47 for me today please Angelic split between ebike fund and VSP

-s-
Frugal living challenge 2012 live on 8500 ~ 7725.87 remaining
Make 5/day in 2012 ~ 482.24/1830 ~ 22.52%
Proud Member of PAD since January 2010 ~ Total paid to date 11386.64
Savings Pot for 2012 ~ 772.60/3000 ~ 23.38%
Lose 19lbs / Save 2k by 30/04/12 *5/19lbs* 158.72/2000
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# 9
mumofthreemonkies83
Old 28-07-2010, 4:35 PM
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Join Date: Nov 2007
Location: Manchester
Posts: 606
Default

Quote:
Originally Posted by Eager_Elephant View Post
If you get a charge ring them up and beg/plead - they normally let you off a few times a year

Hope your appointment on Monday went well

EE

Hey EE

Thanks for asking, it went better than expected actually.
I suppose I thought they'd write me off as a bit, well crazy and send me home with anti depressants or something.

Apparently im not crazy **wants that in writing**
The clinician thinks its some previous trauma im suppressing which has been triggered recently causing depression and anxiety so ive been referred for CBT.

Thanks for asking EE, I appreciate it xx
Mumof4 xx
03/12/2010 9,736.56
15/2/2011 9878.75

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# 10
pippo
Old 28-07-2010, 6:20 PM
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Join Date: Jan 2007
Posts: 1,664
Default

OOhh a shiny new thread!

to Andy

Shame I can't have a piece though!!

mum of4 - pleased to hear you are not crazy!! at least not too crazy'cos you need to be a little mad to be on here!

Think you've got a good case to have any overdraft charges refunded!!

Pad today 25.28 please dear angelic one!!
I'm only 1/2 lb down, but that since Friday... lots of meals out this week which will hurt both the pocket & the weight loss!!
Never mind... every little helps!!
Pip
x
Trying again!
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# 11
peedie
Old 28-07-2010, 6:41 PM
MoneySaving Convert
 
Join Date: Jan 2010
Location: the land of rainbows & daisys
Posts: 121
Default

Hiya
I'm hagging my head in shame.

I stole 4 chocolate digestives from the office next door.

Nothing sweet in my office, all of us are trying to loose weight
This morning I brought chopped carrot and grapes to snack on and lunch was a simple salad. So I started with all good intentions, honest I did.

My down fall was going feeling I wanted something sweet and went on the hunt........theres got to be something somewhere.......
there were 5, so on a bogus excuse to be in there timed so no-one was around.....the rest is history.

Have you noticed how stolen biscuits taste soooooo much better that those you bought or even made your self (I hear this IS possible, only a rumorer though please dont be too alarmed )?

The long and the short of this is that I can now declare a PAD of 6.49

Cos I didnt have to buy any biscuits..............................and the whole packet would have gone as well as the BOGOF. Would have sharedhonest




Going to write my lines
I must not steal biscuits
I must not steal biscuits
only 998 to go.
See you later, I might be some time


Peedie
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# 12
mooomin
Old 28-07-2010, 6:45 PM
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Location: Mooomin Towers
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Default

Quote:
Originally Posted by peedie View Post
Going to write my lines
I must not steal biscuits
I must not steal biscuits
only 998 to go.
See you later, I might be some time
Sealed Pot Challenge #272 - 141.43 banked

I never remember to update my challenge signatures
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# 13
jo41
Old 28-07-2010, 7:05 PM
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Join Date: Aug 2008
Location: London
Posts: 934
Default

Evening all on the shiny new thread,
Happy Birthday to the three Padders!
Another 30 to the cc.
Off out for a curry and a glass or two soon!
Hope all well,
Jo x
A payment a day.... Started Friday 8th August 2008

Now 0 DFD 5th December'09 Official DFW Nerd ClubNo 1161 DFW FOR LIFE NOT JUST FOR CHRISTMAS

20p Savers Club #106
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# 14
LondonAndy
Old 28-07-2010, 7:41 PM
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Join Date: Jan 2009
Location: London Town
Posts: 1,326
Default

HAPPY BIRTHDAY TO MY FELLOW BIRTHDAY TWINS!

Had a perfect day, skipped work this afternoon and spent it in the pub and didn't buy any drinks, whoop whoop. MSE Birthday. A little squiffy though, lol.

PAD of 140 today to Barclaycardo....
Debt Free 25th August 2010 with PAD !!

TARGETS :
Save 12k in 2013: #068 : 7,305/12,000
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# 15
Paulgonnabedebtfree
Old 28-07-2010, 9:17 PM
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Join Date: Oct 2008
Location: SE England
Posts: 2,701
Default

No PAD. Going on holiday at the weekend and will have a biggish PAD for my day back as many of my debits go out in the first week. There will be a couple over the next daty or two as well. Just entering the threead really so I can set up thew email notifications.
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# 16
vasseur
Old 28-07-2010, 10:09 PM
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Join Date: Feb 2010
Location: Off the wall
Posts: 2,935
Default

1.34 today to Virgin CC as usual thanks Angelic
It's not how far you fall - it's how high you bounce back....
Happiness is not a destination - it's a journey

DEBT FREE AS OF 23/11/2012
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# 17
Buffythedebtslayer
Old 28-07-2010, 10:09 PM
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Join Date: Aug 2007
Location: UK
Posts: 13,615
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I promised myself when the new thread started I'd come back and join in, hope you don't mind

10 pounds to Tescos

xxx

Sealed Pot Member 008 Debt = 4600 down to 3700
Organiser of the 50p thread - see link in my diary. savings = 1000, plus pots for known expenses
Your life does not get better by chance it gets better by change.
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# 18
sashybo
Old 28-07-2010, 10:32 PM
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Join Date: Feb 2006
Location: Central Scotland
Posts: 1,616
Default

Hi all, yet another 1 to Barclaycard.

Happy Birthday to Gilli, Silaqui and Andy
A man's face is his autobiography. A woman's face is her work of fiction.
Oscar Wilde

PAD started 27/01/09 - 3761 extra paid off debt
Overall debt 1555.37
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# 19
no_problem
Old 28-07-2010, 11:45 PM
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Join Date: May 2010
Posts: 126
Default

Hi total PAD for me today of 13p, but I am stepping it up a notch and as well as my mAdditions I've got a shiny mayonnaise jar for my New Car Fund (NCF). My rule is though to focus on the catalogue rather than saving so the NCF will be limited to 1p per day unless I'm feeling extra generous. So today's payment is made up of;

12p mAdditions tin
1p New Car Fund jar

PS I had 17 in my tin so I have paid 10 into my bank and made a payment of 10 hopefully should shave some interest off for me
FLM 170.00/1430.84, Savings 2.00, PAD Additions PAID

LBM 1/5/2010 DFD 31/12/2015
DFW Nerd No. 1319: Wake Up Call Challenge No. 9
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# 20
Boobylou
Old 29-07-2010, 5:58 AM
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Join Date: Jun 2006
Location: Somewhere hot & exotic (I wish!)
Posts: 461
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Hi all,

My usual 1 please Angelic.

Have a fab day everyone.
DFW Nerd no. 108
LBM: Jan 2010 DFD: June 2014 - 27.1% paid off so far
Weight loss (started 12/05/2012) = 37lbs/109lbs
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