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  • FIRST POST
    • clearing_out_my_pockets
    • By clearing_out_my_pockets 28th Jul 10, 10:58 AM
    • 2,841Posts
    • 17,901Thanks
    clearing_out_my_pockets
    A Payment A Day - Part 9
    • #1
    • 28th Jul 10, 10:58 AM
    A Payment A Day - Part 9 28th Jul 10 at 10:58 AM
    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

    This Forum Tip was included in MoneySavingExpert's weekly email

    Don't miss out on new deals, loopholes, and vouchers

    Last edited by clearing_out_my_pockets; 10-12-2010 at 2:36 PM. Reason: Re-formatted
    Don't worry about typing out my username - Call me COMP

    (Unless you know my real name - in which case, feel free to use that just to confuse people!)
Page 1
    • mooomin
    • By mooomin 28th Jul 10, 12:52 PM
    • 13,652 Posts
    • 134,366 Thanks
    mooomin
    • #2
    • 28th Jul 10, 12:52 PM
    • #2
    • 28th Jul 10, 12:52 PM
    Happy birthday to Andy too
    Comping again


    Wins this year: - two night trip to Belgium, £100 Gett taxi credit, tickets to Newcastle game, FIFA 2016 for PS4, stitch markers, Cumberstitching book
  • Thrifty Pixie
    • #3
    • 28th Jul 10, 1:21 PM
    • #3
    • 28th Jul 10, 1:21 PM
    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
    Mortgage at start [20/6/12]: £151,800/MFD Jun 2035 (age 65)
    Mortgage now [5/11/14]: £139,212.14/MFD Oct 2029 (age 59)
    Personal Library 2014
    Read in 2014: 57/60 In Progress: 2 Books In: 94 Books Out: 12 TBR: 847
  • mumofthreemonkies83
    • #4
    • 28th Jul 10, 2:23 PM
    • #4
    • 28th Jul 10, 2:23 PM
    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

  • mumofthreemonkies83
    • #5
    • 28th Jul 10, 2:28 PM
    • #5
    • 28th Jul 10, 2:28 PM
    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

    • sashanut
    • By sashanut 28th Jul 10, 2:32 PM
    • 2,205 Posts
    • 22,344 Thanks
    sashanut
    • #6
    • 28th Jul 10, 2:32 PM
    • #6
    • 28th Jul 10, 2:32 PM
    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 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
    • Eager_Elephant
    • By Eager_Elephant 28th Jul 10, 3:14 PM
    • 3,359 Posts
    • 16,007 Thanks
    Eager_Elephant
    • #7
    • 28th Jul 10, 3:14 PM
    • #7
    • 28th Jul 10, 3:14 PM
    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
    Originally posted by mumofthreemonkies83
    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
    Ninja Saving Turtle No. 24 for May
    NSD - 1/20
    (updated to 01/05/16)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
  • saorsie
    • #8
    • 28th Jul 10, 3:46 PM
    • #8
    • 28th Jul 10, 3:46 PM
    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
  • mumofthreemonkies83
    • #9
    • 28th Jul 10, 4:35 PM
    • #9
    • 28th Jul 10, 4:35 PM
    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
    Originally posted by Eager_Elephant

    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

    • pippo
    • By pippo 28th Jul 10, 6:20 PM
    • 2,006 Posts
    • 20,171 Thanks
    pippo
    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!
  • peedie
    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
    • mooomin
    • By mooomin 28th Jul 10, 6:45 PM
    • 13,652 Posts
    • 134,366 Thanks
    mooomin
    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
    Originally posted by peedie
    Comping again


    Wins this year: - two night trip to Belgium, £100 Gett taxi credit, tickets to Newcastle game, FIFA 2016 for PS4, stitch markers, Cumberstitching book
    • jo41
    • By jo41 28th Jul 10, 7:05 PM
    • 936 Posts
    • 14,544 Thanks
    jo41
    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
  • LondonAndy
    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
    • Paulgonnabedebtfree
    • By Paulgonnabedebtfree 28th Jul 10, 9:17 PM
    • 2,703 Posts
    • 28,940 Thanks
    Paulgonnabedebtfree
    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.
    • vasseur
    • By vasseur 28th Jul 10, 10:09 PM
    • 3,067 Posts
    • 9,858 Thanks
    vasseur
    £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
    • Buffythedebtslayer
    • By Buffythedebtslayer 28th Jul 10, 10:09 PM
    • 14,593 Posts
    • 46,074 Thanks
    Buffythedebtslayer
    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
    Save 1200 in 2016 Number 99
    DEBT FREE as of 1/3/15
    • sashybo
    • By sashybo 28th Jul 10, 10:32 PM
    • 1,918 Posts
    • 16,270 Thanks
    sashybo
    Hi all, yet another £1 to Barclaycard.

    Happy Birthday to Gilli, Silaqui and Andy
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £7102 extra paid off debt.
    Current debt £12605.46, Debt paid off £34677.77
  • no_problem
    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
    • Boobylou
    • By Boobylou 29th Jul 10, 5:58 AM
    • 461 Posts
    • 4,919 Thanks
    Boobylou
    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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