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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 7th Jun 16, 10:20 AM
    • 1,358Posts
    • 5,678Thanks
    kirtsypoos
    Payment a Day Chapter 17
    • #1
    • 7th Jun 16, 10:20 AM
    Payment a Day Chapter 17 7th Jun 16 at 10:20 AM
    *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
    Last edited by kirtsypoos; 01-09-2016 at 11:45 AM. Reason: New Total
    2300/3000 OH BC(23.33% PAID) 2000/3851 B/C (48.06% PAID)
    800/1000 Tesco (20% PAID) 3700/3795.64 & 200/1785 MBNA (88.79%)
    PAID VERY, Barclaycard, Vanquis, Natwest & O/D PAID
    LBM 24/07/15 - Debt: 9000/31010.23 (70.97% paid)
    Mortgage - 85,800.00 (O/P 425.08 so far) PAYDBX 16 #006 - 12301.66/10000
Page 52
    • sashanut
    • By sashanut 20th Sep 16, 11:43 PM
    • 2,287 Posts
    • 22,666 Thanks
    sashanut
    Hi all
    Popping in with a PAD - 4.00..2 x 2 coins into VW campervan moneybox please LMD - 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 21st Sep 16, 6:27 AM
    • 1,344 Posts
    • 5,305 Thanks
    LittleMissDetermined
    Good morning PADdingtons, It's Wednesday already!

    A total PAD for 20th of September was 232.36 PADded between us.

    Well done everyone, we are doing GREAT!

    LMD xx
    Target Debt Free Day 27th Jan 2018
    Life gets in the way...PADding is addictive... Saving's better than spending...

    1000 EF Challenge #142 1003.67/1000 ... 3-6Mth Wages Challenge #4 820/7129...
    24 23 22 21 20 19 18 17 months of Debt-busting to go...
    • jet9cat
    • By jet9cat 21st Sep 16, 6:28 AM
    • 1,040 Posts
    • 8,514 Thanks
    jet9cat
    PAD of 9.40 for me today plse LMD
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • LittleMissDetermined
    • By LittleMissDetermined 21st Sep 16, 6:41 AM
    • 1,344 Posts
    • 5,305 Thanks
    LittleMissDetermined
    Me again, back with today's PAD of 5.82 bank round down to the credit card

    Have a fab day

    LMD xx
    Target Debt Free Day 27th Jan 2018
    Life gets in the way...PADding is addictive... Saving's better than spending...

    1000 EF Challenge #142 1003.67/1000 ... 3-6Mth Wages Challenge #4 820/7129...
    24 23 22 21 20 19 18 17 months of Debt-busting to go...
    • kirtsypoos
    • By kirtsypoos 21st Sep 16, 9:20 AM
    • 1,358 Posts
    • 5,678 Thanks
    kirtsypoos
    Morning all!

    400 for me today please
    2300/3000 OH BC(23.33% PAID) 2000/3851 B/C (48.06% PAID)
    800/1000 Tesco (20% PAID) 3700/3795.64 & 200/1785 MBNA (88.79%)
    PAID VERY, Barclaycard, Vanquis, Natwest & O/D PAID
    LBM 24/07/15 - Debt: 9000/31010.23 (70.97% paid)
    Mortgage - 85,800.00 (O/P 425.08 so far) PAYDBX 16 #006 - 12301.66/10000
    • Keedie
    • By Keedie 21st Sep 16, 10:26 AM
    • 75 Posts
    • 397 Thanks
    Keedie
    Morning All,

    I'm getting excited to see our grand total next week, I think we'll pass July's total!

    My PAD for today is 37 to MBNA and 120 to my son's savings account, making a total of 157 please LMD.

    I am on holiday again next week, so I will not really be PADding aside from minimum payments until I get back. As I need to get my spending money together for NYC, and I have no intention of borrowing any money for my trip.

    Have a good day everyone,

    Keedie
    xx
    LBM 27/06/16 = 18,130.45 (6 creditors) BUT on 23/09/16 = 8,305.45/18,130.45 (3 creditors) = 45.81% repaid
    Aiming to be Debt Free = 31/12/2018
    • mandz1
    • By mandz1 21st Sep 16, 11:43 AM
    • 2,188 Posts
    • 9,504 Thanks
    mandz1
    36.26 paid to cc1 which clears it and 30 to Christmas savings people, which takes that to paid aswell. Can't wait to get the vouchers and get everything sorted now.

    So total for me today of 66.26
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 21st Sep 16, 4:48 PM
    • 91 Posts
    • 599 Thanks
    swimminginaseaofdebt
    Afternoon,

    A pad of 2.35 for me to the change jar.
    1 debt vs 100 days part 23 #17 - Target 1: 800/800 Target 2: 173.66/200
    Pay all debt off by Christmas 2016 #150 - 973.66/1264.05 (77%)
    1000 emergency fund challenge #193 - 445/1000
    • mcjordi
    • By mcjordi 21st Sep 16, 8:54 PM
    • 4,142 Posts
    • 9,035 Thanks
    mcjordi
    8 today
    Sealed pot challenger # 10
    1v100 15/300
    • sashanut
    • By sashanut 21st Sep 16, 11:45 PM
    • 2,287 Posts
    • 22,666 Thanks
    sashanut
    Hi all
    Popping in with a PAD - 93.35..pmt to cc please LMD - 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 22nd Sep 16, 7:04 AM
    • 1,344 Posts
    • 5,305 Thanks
    LittleMissDetermined
    Good morning PADdingtons, Isn't it dark today?

    A total PAD for 21st of September was 742.18 PADded between us. Great amount well done

    Well done everyone, not long to go before the end of month reveal

    LMD xx
    Target Debt Free Day 27th Jan 2018
    Life gets in the way...PADding is addictive... Saving's better than spending...

    1000 EF Challenge #142 1003.67/1000 ... 3-6Mth Wages Challenge #4 820/7129...
    24 23 22 21 20 19 18 17 months of Debt-busting to go...
    • LittleMissDetermined
    • By LittleMissDetermined 22nd Sep 16, 7:05 AM
    • 1,344 Posts
    • 5,305 Thanks
    LittleMissDetermined
    Me again

    Back with a small bank skim of 1.27 to credit card

    LMD xx
    Target Debt Free Day 27th Jan 2018
    Life gets in the way...PADding is addictive... Saving's better than spending...

    1000 EF Challenge #142 1003.67/1000 ... 3-6Mth Wages Challenge #4 820/7129...
    24 23 22 21 20 19 18 17 months of Debt-busting to go...
    • mandz1
    • By mandz1 22nd Sep 16, 8:18 AM
    • 2,188 Posts
    • 9,504 Thanks
    mandz1
    40.00 to very today
    May be back later for more payments depending on how much I spend on dd first shoes
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 22nd Sep 16, 3:13 PM
    • 91 Posts
    • 599 Thanks
    swimminginaseaofdebt
    Afternoon,

    Checking in with a pad of 88p to the change jar.
    1 debt vs 100 days part 23 #17 - Target 1: 800/800 Target 2: 173.66/200
    Pay all debt off by Christmas 2016 #150 - 973.66/1264.05 (77%)
    1000 emergency fund challenge #193 - 445/1000
    • jet9cat
    • By jet9cat 22nd Sep 16, 6:21 PM
    • 1,040 Posts
    • 8,514 Thanks
    jet9cat
    Paid 30 off OH's cc today


    Congrats Mandz1 on clearing your cc
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • sashanut
    • By sashanut 22nd Sep 16, 11:15 PM
    • 2,287 Posts
    • 22,666 Thanks
    sashanut
    Hi all
    Popping in with a PAD - 30.60..pmt to cc please LMD - 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
    • jet9cat
    • By jet9cat 23rd Sep 16, 6:26 AM
    • 1,040 Posts
    • 8,514 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
    • LittleMissDetermined
    • By LittleMissDetermined 23rd Sep 16, 9:08 AM
    • 1,344 Posts
    • 5,305 Thanks
    LittleMissDetermined
    Good morning PADdingtons, it's been quite quiet, I hope everyone's ok in real life

    The total PAD for 22nd of September was 102.75 PADded between us.

    Well done everyone, let's keep padding!

    LMD xx
    Target Debt Free Day 27th Jan 2018
    Life gets in the way...PADding is addictive... Saving's better than spending...

    1000 EF Challenge #142 1003.67/1000 ... 3-6Mth Wages Challenge #4 820/7129...
    24 23 22 21 20 19 18 17 months of Debt-busting to go...
    • LittleMissDetermined
    • By LittleMissDetermined 23rd Sep 16, 9:33 AM
    • 1,344 Posts
    • 5,305 Thanks
    LittleMissDetermined
    Me again

    Back with my own PAD of 7.40 to credit card

    LMD xx
    Target Debt Free Day 27th Jan 2018
    Life gets in the way...PADding is addictive... Saving's better than spending...

    1000 EF Challenge #142 1003.67/1000 ... 3-6Mth Wages Challenge #4 820/7129...
    24 23 22 21 20 19 18 17 months of Debt-busting to go...
    • Keedie
    • By Keedie 23rd Sep 16, 12:47 PM
    • 75 Posts
    • 397 Thanks
    Keedie
    Hey Everyone,

    I hope you're all well? My PAD for today is 25 to MBNA please LMD.

    Thanks,

    Keedie
    xx
    LBM 27/06/16 = 18,130.45 (6 creditors) BUT on 23/09/16 = 8,305.45/18,130.45 (3 creditors) = 45.81% repaid
    Aiming to be Debt Free = 31/12/2018
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