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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 7th Jun 16, 10:20 AM
    • 1,705Posts
    • 6,569Thanks
    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)
    £575/1000 Tesco (42.5% PAID) MBNA £3400/3795.64 (10.42% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D & MBNA PAID
    LBM 24/07/15 - Debt: £7675/31010.23 (75.25% paid)
    Mortgage - £85,000.00 (O/P £666.48 so far) PAYDBX 16 #006 - £14807.15/£10000
Page 61
    • sashanut
    • By sashanut 11th Oct 16, 11:31 PM
    • 2,323 Posts
    • 22,778 Thanks
    sashanut
    Hi all
    Popping in with a PAD - £9.98.. 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
    • LittleMissDetermined
    • By LittleMissDetermined 12th Oct 16, 6:15 AM
    • 1,423 Posts
    • 5,592 Thanks
    LittleMissDetermined
    Good morning

    Another bank round down for me today (due to not winning the Euro Millions lotto last night...again! What are the chances?). Just £1.50 to the credit card please Erme

    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...
    • jet9cat
    • By jet9cat 12th Oct 16, 6:24 AM
    • 1,072 Posts
    • 8,628 Thanks
    jet9cat
    Scraped £5 to the cc today please Erme
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 12th Oct 16, 7:35 AM
    • 229 Posts
    • 1,403 Thanks
    swimminginaseaofdebt
    Morning everyone,

    A wee pad of £1.40 to the credit card for me courtesy of Quidco cashback.
    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
    • Erme
    • By Erme 12th Oct 16, 9:19 AM
    • 3,515 Posts
    • 21,107 Thanks
    Erme
    Morning everyone

    Completely forgot to post yesterday so declaring it today £600 to three places, plus my usual sofa payment of £41.08 - so £641.08 please Erme x

    Well done peeps!
    Originally posted by Dizzy Imp
    £0.37 to credit card, today, this is just to see if the payment actually goes through ok from my bank app as its a new payment. I may be here some time at this rate
    Originally posted by bobcat2
    Guys two really great pads for different reasons and I know you both like llamas

    So special overdose required (I ODed on cake yesterday and then did a shopping trolley dance LOL)



    So are we sitting comfortably. You may need to get a brew of tea but please don't spill on keyboard yesterday's total

    £747.21



    E

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


    • Bobarella
    • By Bobarella 12th Oct 16, 10:03 AM
    • 7,953 Posts
    • 51,076 Thanks
    Bobarella
    Hello PADdingtons!

    £26 to the debt for me today please.

    Bob
    £800 to pay =70% repaid
    RR 2016 #2 December £0.11 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,217 2015 £1027.20
    NST December
    PAYDBX #7 £1890.53/£2,700 (70%)
    • Dizzy Imp
    • By Dizzy Imp 12th Oct 16, 2:16 PM
    • 1,810 Posts
    • 15,545 Thanks
    Dizzy Imp
    Afternoon fellow bears - loving the llamas Erme

    After checking on an account that quietly accrues small amounts, as part of a long-held savings plan, I decided to use a chunk to pay some debt, so £200 to my BC and £150 to DH's Tesco CC (although I'm not telling him, as he thinks he's up to his limit on that card)

    £350 total PADded today for me please x
    DFBXmas2016 #27 £3606.60/£34,027.17 = 10% as at 28/6/2016/2016
    Wombling total 2016 = £5649.63 as at 14/11/2016
    Sealed pot challenge 2017 (#501)1/6/2016 = 10.12.2
    • mandz1
    • By mandz1 12th Oct 16, 7:10 PM
    • 2,289 Posts
    • 9,838 Thanks
    mandz1
    Cc payment of £4.30
    • bobcat2
    • By bobcat2 12th Oct 16, 9:14 PM
    • 32 Posts
    • 48 Thanks
    bobcat2
    Great the app payment worked so paying £37.31 to Lloyds credit card, this a refund from an earlier overpayment on another CC that is now clear
    • sashanut
    • By sashanut 12th Oct 16, 11:46 PM
    • 2,323 Posts
    • 22,778 Thanks
    sashanut
    Hi all
    Popping in with a PAD - £10.50.. 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 13th Oct 16, 6:14 AM
    • 229 Posts
    • 1,403 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 13th Oct 16, 6:18 AM
    • 1,423 Posts
    • 5,592 Thanks
    LittleMissDetermined
    Morning everyone!

    Just a bank round down for me today of £1.84 to credit card please Erme. This month is looking tight and it's still 2 weeks until pay day.

    Car MOT due too, thank goodness for my EF!

    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...
    • Dizzy Imp
    • By Dizzy Imp 13th Oct 16, 7:14 AM
    • 1,810 Posts
    • 15,545 Thanks
    Dizzy Imp
    Skimming my bank today, so £3.69 for me please Erme x
    DFBXmas2016 #27 £3606.60/£34,027.17 = 10% as at 28/6/2016/2016
    Wombling total 2016 = £5649.63 as at 14/11/2016
    Sealed pot challenge 2017 (#501)1/6/2016 = 10.12.2
    • Erme
    • By Erme 13th Oct 16, 8:50 AM
    • 3,515 Posts
    • 21,107 Thanks
    Erme
    Great pads paddingtons from yesterday

    My mind is slowly improving for now and I'm up on time and which is good - just need it not to rain too much here today LOL

    Anyhow wee total from yesterday


    £436.01


    Go PADDERS!!!



    e

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


    • mandz1
    • By mandz1 13th Oct 16, 11:38 AM
    • 2,289 Posts
    • 9,838 Thanks
    mandz1
    Cc payment again of £5
    • Keedie
    • By Keedie 13th Oct 16, 9:20 PM
    • 131 Posts
    • 539 Thanks
    Keedie
    Hi All,

    Hope you've had a good day. Just sneaking in before the day ends with a PAD of £50 to the Bank of Mum from earlier this month, which I forgot to declare but at least I made the actual payment .

    Plus £5.25 to MBNA, so a total PAD of £55.25 please Erme.

    Take Care,

    Keedie,
    xx
    LBM 27/06/16 = £20,251.45 (7 creditors) BUT on 28/11/16 = £11,655.45/£20,251.45 (4 creditors) = 57.55% repaid
    Aiming to be Debt Free = 31/12/2018
    • sashanut
    • By sashanut 13th Oct 16, 11:47 PM
    • 2,323 Posts
    • 22,778 Thanks
    sashanut
    Hi all
    Popping in with a PAD - £72.50.. 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 14th Oct 16, 6:10 AM
    • 229 Posts
    • 1,403 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 14th Oct 16, 6:39 AM
    • 1,423 Posts
    • 5,592 Thanks
    LittleMissDetermined
    Good morning and happy friiiiiiiiday!

    Bank skim to credit card of £1.15 today please Erme

    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...
    • mandz1
    • By mandz1 14th Oct 16, 6:47 AM
    • 2,289 Posts
    • 9,838 Thanks
    mandz1
    £2.42 straight to cc
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