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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 7th Jun 16, 10:20 AM
    • 1,713Posts
    • 6,584Thanks
    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 2015:
    £7,661.39
    Last edited by kirtsypoos; 01-12-2016 at 10:01 AM. Reason: New Total
    £2100/3000 OH BC(30.00% PAID) £1600/3851 B/C (58.45% PAID)
    £570/1000 Tesco (43% PAID) MBNA £3400/3795.64 (10.42% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D & MBNA PAID
    LBM 24/07/15 - Debt: £7670/31010.23 (75.26% paid)
    Mortgage - £85,000.00 (O/P £666.48 so far) PAYDBX 16 #006 - £14812.15/£10000
Page 59
    • Erme
    • By Erme 7th Oct 16, 9:42 AM
    • 3,515 Posts
    • 21,107 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
    • 195 Posts
    • 573 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
    July 2016: £17,258.65
    Oct 2016: 16,758.43
    • kirtsypoos
    • By kirtsypoos 7th Oct 16, 10:19 AM
    • 1,713 Posts
    • 6,584 Thanks
    kirtsypoos
    Hope you are feeling better soon Erme

    My PAD for today is £40.00 normal payment to MBNA2 please
    £2100/3000 OH BC(30.00% PAID) £1600/3851 B/C (58.45% PAID)
    £570/1000 Tesco (43% PAID) MBNA £3400/3795.64 (10.42% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D & MBNA PAID
    LBM 24/07/15 - Debt: £7670/31010.23 (75.26% paid)
    Mortgage - £85,000.00 (O/P £666.48 so far) PAYDBX 16 #006 - £14812.15/£10000
    • mandz1
    • By mandz1 7th Oct 16, 8:46 PM
    • 2,290 Posts
    • 9,840 Thanks
    mandz1
    2 payments made today of £30
    • sashanut
    • By sashanut 7th Oct 16, 11:41 PM
    • 2,323 Posts
    • 22,778 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
    • 3,515 Posts
    • 21,107 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
    • 2,290 Posts
    • 9,840 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
    • 233 Posts
    • 1,421 Thanks
    swimminginaseaofdebt
    Morning everyone

    A PAD of £10 to the change jar for me. Merci
    1 debt vs 100 days part 24 - Target: £20/£600
    Pay all debt off by Christmas 2016 #150 - £1113.89/£1264.05 (87%)
    6 month challenge #65 - £0.71/£9000
    SPC10 #564
    • kirtsypoos
    • By kirtsypoos 8th Oct 16, 9:57 AM
    • 1,713 Posts
    • 6,584 Thanks
    kirtsypoos
    Morning all,

    £75 normal payment to OH B/C for me today please Erme
    £2100/3000 OH BC(30.00% PAID) £1600/3851 B/C (58.45% PAID)
    £570/1000 Tesco (43% PAID) MBNA £3400/3795.64 (10.42% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D & MBNA PAID
    LBM 24/07/15 - Debt: £7670/31010.23 (75.26% paid)
    Mortgage - £85,000.00 (O/P £666.48 so far) PAYDBX 16 #006 - £14812.15/£10000
    • LittleMissDetermined
    • By LittleMissDetermined 8th Oct 16, 10:54 AM
    • 1,424 Posts
    • 5,595 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 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 £1450 /£7129...
    24 23 22 21 20 19 18 17 months of Debt-busting to go...
    • Erme
    • By Erme 8th Oct 16, 10:57 AM
    • 3,515 Posts
    • 21,107 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
    • 3,515 Posts
    • 21,107 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
    • 2,290 Posts
    • 9,840 Thanks
    mandz1
    just a little PAD of £5 to cc
    • mcjordi
    • By mcjordi 8th Oct 16, 6:04 PM
    • 4,156 Posts
    • 9,123 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
    • 1,073 Posts
    • 8,629 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
    • 2,323 Posts
    • 22,778 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
    • 233 Posts
    • 1,421 Thanks
    swimminginaseaofdebt
    Morning,

    £1 to the change jar for me today.
    1 debt vs 100 days part 24 - Target: £20/£600
    Pay all debt off by Christmas 2016 #150 - £1113.89/£1264.05 (87%)
    6 month challenge #65 - £0.71/£9000
    SPC10 #564
    • LittleMissDetermined
    • By LittleMissDetermined 9th Oct 16, 9:40 AM
    • 1,424 Posts
    • 5,595 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 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 £1450 /£7129...
    24 23 22 21 20 19 18 17 months of Debt-busting to go...
    • ahall3519
    • By ahall3519 9th Oct 16, 11:47 AM
    • 74 Posts
    • 170 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 November 2016 Statement-£423.07=58% paid
    • mandz1
    • By mandz1 9th Oct 16, 11:48 AM
    • 2,290 Posts
    • 9,840 Thanks
    mandz1
    Small change put into money jar £1.05
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