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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 7th Jun 16, 10:20 AM
    • 2,543Posts
    • 10,394Thanks
    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

    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
    Last edited by kirtsypoos; 03-01-2017 at 11:50 AM. Reason: New Total
    £1470/3000 OH BC(51% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £1470/31010.23 (95.25% paid)
    Mortgage - £164,500.00 (O/P £469.96 so far) PAYDBX 17 #006 - £13089.71/£10000 Make£10 £194.58
Page 59
    • Erme
    • By Erme 7th Oct 16, 9:42 AM
    • 3,565 Posts
    • 21,344 Thanks
    Erme
    Morning paddingtons


    Need tea though as late up and head is mince!!! Doesn't help I have 101 medics on my case but psych unit no go zone as can't charge my lithium batteries for e-cig on ward never mind vape!!! If I can't vape I get worse (even though am on homeopathic dose of nicotine)

    Killed a couple of laptops as well yesterday - one kind of dried out by the afternoon so here's hoping and one is in for repair (payment by edibles)

    I need cake folks LOL amongst other drugs known to woman LOL

    Sorry for moaning (just forgot about pad total for yesterday LOL)


    PAD total - it 'aint bad

    £192.60


    I likey that...I likey a lot!!!

    E

    I believe in the power of PAD
    Come and join us on the Payment a Day thread


    • White-as-Snow
    • By White-as-Snow 7th Oct 16, 10:06 AM
    • 214 Posts
    • 632 Thanks
    White-as-Snow
    Big hugs Erme. ( this one always makes me laugh as its a bit rude haha)

    My Pad towards the Christmas fund please is £148.60
    Total Debt:
    Dec 2015: £20,090.87
    Dec 2016: £16,320.85
    • kirtsypoos
    • By kirtsypoos 7th Oct 16, 10:19 AM
    • 2,543 Posts
    • 10,394 Thanks
    kirtsypoos
    Hope you are feeling better soon Erme

    My PAD for today is £40.00 normal payment to MBNA2 please
    £1470/3000 OH BC(51% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £1470/31010.23 (95.25% paid)
    Mortgage - £164,500.00 (O/P £469.96 so far) PAYDBX 17 #006 - £13089.71/£10000 Make£10 £194.58
    • mandz1
    • By mandz1 7th Oct 16, 8:46 PM
    • 2,395 Posts
    • 10,309 Thanks
    mandz1
    2 payments made today of £30
    • sashanut
    • By sashanut 7th Oct 16, 11:41 PM
    • 2,420 Posts
    • 23,077 Thanks
    sashanut
    Hi all
    Popping in with a PAD - £10.00.. pmt to cc please ERME - 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
    • Erme
    • By Erme 8th Oct 16, 4:35 AM
    • 3,565 Posts
    • 21,344 Thanks
    Erme
    2 payments made today of £30
    Originally posted by mandz1
    Sorry to bother you mandz but is your total £30 or £60? Up at crazy hour (will need good quality naps laters) cos am feeling better

    You know who you are who helped with this

    So life is still a little nutz for a few days and boy it's cold in my house yet it's october - am resisting putting the heating on LOL

    Have a good day

    E

    I believe in the power of PAD
    Come and join us on the Payment a Day thread


    • mandz1
    • By mandz1 8th Oct 16, 7:28 AM
    • 2,395 Posts
    • 10,309 Thanks
    mandz1
    Sorry to bother you mandz but is your total £30 or £60? Up at crazy hour (will need good quality naps laters) cos am feeling better

    You know who you are who helped with this

    So life is still a little nutz for a few days and boy it's cold in my house yet it's october - am resisting putting the heating on LOL

    Have a good day

    E
    Originally posted by Erme
    Sorry erme my fault, total was £30 all together
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 8th Oct 16, 8:21 AM
    • 465 Posts
    • 2,513 Thanks
    swimminginaseaofdebt
    Morning everyone

    A PAD of £10 to the change jar for me. Merci
    NSD Apr - 4/12
    ,
    Pay all debt off by Christmas 2017 #150 - £1111.84/£3729.05
    ,
    6 month challenge #65 - £35.41/£9000
    ,
    SPC10 #564
    • kirtsypoos
    • By kirtsypoos 8th Oct 16, 9:57 AM
    • 2,543 Posts
    • 10,394 Thanks
    kirtsypoos
    Morning all,

    £75 normal payment to OH B/C for me today please Erme
    £1470/3000 OH BC(51% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £1470/31010.23 (95.25% paid)
    Mortgage - £164,500.00 (O/P £469.96 so far) PAYDBX 17 #006 - £13089.71/£10000 Make£10 £194.58
    • LittleMissDetermined
    • By LittleMissDetermined 8th Oct 16, 10:54 AM
    • 1,548 Posts
    • 6,064 Thanks
    LittleMissDetermined
    Good morning all

    My normal MBNA payment today of £100 please Erme

    Have a great day!

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

    £1000 EF Challenge #142 £1008.80/£1000 ... 3-6Mth Wages Challenge #4 £650/£7129...
    24 23 22 21 months of Debt-busting to go...
    • Erme
    • By Erme 8th Oct 16, 10:57 AM
    • 3,565 Posts
    • 21,344 Thanks
    Erme
    Sorry erme my fault, total was £30 all together
    Originally posted by mandz1

    6 of 1 and half a dozen mandz1 Should have really sent a private pm rather than mention publically


    E
    Last edited by Erme; 08-10-2016 at 11:02 AM.

    I believe in the power of PAD
    Come and join us on the Payment a Day thread


    • Erme
    • By Erme 8th Oct 16, 11:00 AM
    • 3,565 Posts
    • 21,344 Thanks
    Erme
    Thank Crunchie it was friday

    We have a lovely total from yesterday of

    £263.83


    Now to wake up after 5 am over sleep LOL (like to be up early and bed early - it just 'aint happening right now but will so get there )

    Have a great saturday folks!!!

    E

    I believe in the power of PAD
    Come and join us on the Payment a Day thread


    • mandz1
    • By mandz1 8th Oct 16, 3:34 PM
    • 2,395 Posts
    • 10,309 Thanks
    mandz1
    just a little PAD of £5 to cc
    • mcjordi
    • By mcjordi 8th Oct 16, 6:04 PM
    • 4,154 Posts
    • 9,124 Thanks
    mcjordi
    £5 today probably it now till i get paid on friday
    Sealed pot challenger # 10
    1v100 £15/300
    • jet9cat
    • By jet9cat 8th Oct 16, 7:57 PM
    • 1,152 Posts
    • 8,962 Thanks
    jet9cat
    £5 to cc for me today please Erme - feel better soon
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • sashanut
    • By sashanut 8th Oct 16, 11:42 PM
    • 2,420 Posts
    • 23,077 Thanks
    sashanut
    Hi all
    Popping in with a PAD - £6.11.. pmt to cc please ERME - 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
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 9th Oct 16, 9:04 AM
    • 465 Posts
    • 2,513 Thanks
    swimminginaseaofdebt
    Morning,

    £1 to the change jar for me today.
    NSD Apr - 4/12
    ,
    Pay all debt off by Christmas 2017 #150 - £1111.84/£3729.05
    ,
    6 month challenge #65 - £35.41/£9000
    ,
    SPC10 #564
    • LittleMissDetermined
    • By LittleMissDetermined 9th Oct 16, 9:40 AM
    • 1,548 Posts
    • 6,064 Thanks
    LittleMissDetermined
    Morning!

    Just a small bank round down for me today of £3.40 to credit card

    Have a lovely Sunday

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

    £1000 EF Challenge #142 £1008.80/£1000 ... 3-6Mth Wages Challenge #4 £650/£7129...
    24 23 22 21 months of Debt-busting to go...
    • ahall3519
    • By ahall3519 9th Oct 16, 11:47 AM
    • 117 Posts
    • 339 Thanks
    ahall3519
    Good morning everyone! Hope everyone is well! Please put me down for £15 to my Barclaycard CC thanks.
    Barclaycard Debit as of April 2016-£1008.07
    As of 30th January 2017=100% paid

    Tesco Credit Card Debt number 2 as of January 2017-£1757.96
    As of April 2017 statement-£1223.38=30% paid
    • mandz1
    • By mandz1 9th Oct 16, 11:48 AM
    • 2,395 Posts
    • 10,309 Thanks
    mandz1
    Small change put into money jar £1.05
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