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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 62
    • Erme
    • By Erme 14th Oct 16, 9:35 AM
    • 3,515 Posts
    • 21,107 Thanks
    Erme
    Morning Paddingtons

    There is a scots word I'd like to fill ye lugs with this lovely morning

    Dreich! Tis Dreich, dreich, dreich and I got drenched walking back from town yesterday and then it took me 2 hours to dry LOL

    Praise God for LED lightbulbs (got mine the other day - £10 for two rooms well spent

    So with it well and truly being autumn here (and needing to put my wrist warmers one and wake up) I present ye yesterday's padding total .

    £139.28

    Keep warm paddingtons and keep dry!!!


    E

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


    • kirtsypoos
    • By kirtsypoos 14th Oct 16, 9:39 AM
    • 1,705 Posts
    • 6,569 Thanks
    kirtsypoos
    Morning all,

    I've been MIA as away at an exhibition but I'm back with £10 to MBNA please
    £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
    • Keedie
    • By Keedie 14th Oct 16, 10:31 AM
    • 131 Posts
    • 539 Thanks
    Keedie
    Hi All,

    Hope you all have a good day. A quick PAD of £3 to MBNA please Erme.

    Thanks,

    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
    • jet9cat
    • By jet9cat 14th Oct 16, 8:56 PM
    • 1,072 Posts
    • 8,628 Thanks
    jet9cat
    Managed another £5 to the cc today.
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • sashanut
    • By sashanut 14th Oct 16, 11:33 PM
    • 2,323 Posts
    • 22,778 Thanks
    sashanut
    Hi all
    Popping in with a PAD - £7.75.. 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 15th Oct 16, 6:07 AM
    • 229 Posts
    • 1,403 Thanks
    swimminginaseaofdebt
    Morning everyone,

    Popping in with a PAD of £1.63 to the change jar.
    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 15th Oct 16, 7:06 AM
    • 1,423 Posts
    • 5,592 Thanks
    LittleMissDetermined
    Good morning everyone

    Bank skim to credit card for me today please Erme of £1.03

    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...
    • Keedie
    • By Keedie 15th Oct 16, 7:58 AM
    • 131 Posts
    • 539 Thanks
    Keedie
    Hi All,

    Just a quick PAD of £2 to MBNA please Erme.

    Have a good day all
    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
    • Erme
    • By Erme 15th Oct 16, 10:02 AM
    • 3,515 Posts
    • 21,107 Thanks
    Erme
    Bad head day yesterday....be mindful of friends and family you know who have mental health problems this weekend - the weather,seasonal change and full moon may mean they need a few more cups of tea and cake

    So this morning I present thee lots of little pads and remind folk above the clouds there's sunshine

    and yesterday's total is

    £30.32




    E

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


    • Picklepot
    • By Picklepot 15th Oct 16, 12:20 PM
    • 252 Posts
    • 3,414 Thanks
    Picklepot
    Thank you for the welcome back !


    £80.00 for me today please
    • mandz1
    • By mandz1 15th Oct 16, 2:55 PM
    • 2,289 Posts
    • 9,838 Thanks
    mandz1
    £4.11 to very today please
    • kirtsypoos
    • By kirtsypoos 15th Oct 16, 8:51 PM
    • 1,705 Posts
    • 6,569 Thanks
    kirtsypoos
    Morning all,

    £10 for me today please
    £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
    • sashanut
    • By sashanut 15th Oct 16, 11:27 PM
    • 2,323 Posts
    • 22,778 Thanks
    sashanut
    Hi all
    Popping in with a PAD - £70.00.. 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
    • mandz1
    • By mandz1 16th Oct 16, 6:48 AM
    • 2,289 Posts
    • 9,838 Thanks
    mandz1
    Morning all,

    Quick little £5 to very today
    • LittleMissDetermined
    • By LittleMissDetermined 16th Oct 16, 8:25 AM
    • 1,423 Posts
    • 5,592 Thanks
    LittleMissDetermined
    Morning everyone!

    Busy morning for me so I'm posting on the go...£25 PAD for me 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...
    • mcjordi
    • By mcjordi 16th Oct 16, 9:43 AM
    • 4,156 Posts
    • 9,123 Thanks
    mcjordi
    Internet has been a bit dodgy the last few days..

    made up for it £15 today please
    Sealed pot challenger # 10
    1v100 £15/300
    • bobcat2
    • By bobcat2 16th Oct 16, 1:37 PM
    • 32 Posts
    • 48 Thanks
    bobcat2
    £281.51 paid to today to Halifax CC, pays off the last bit of 0% which expires end of the month
    • Picklepot
    • By Picklepot 16th Oct 16, 3:11 PM
    • 252 Posts
    • 3,414 Thanks
    Picklepot
    38.73


    regular payment for me today please
    • Keedie
    • By Keedie 16th Oct 16, 3:50 PM
    • 131 Posts
    • 539 Thanks
    Keedie
    Hi All,

    I hope you're all having a good weekend and have not been flooded or blown away... I have found this weekend quite tough as I have had a really bad migraine and lying flat, with the windows wide open whilst wearing an eye patch, seems to be the only thing shifting it. But no one else is appreciating my need for breeze without the heating on

    I have a PAD of £10 to MBNA please Erme - and I hope that your mental health is not too affected, mine is okay for now, it's just this migraine that is draining me.

    Take Care,
    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
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 16th Oct 16, 8:37 PM
    • 229 Posts
    • 1,403 Thanks
    swimminginaseaofdebt
    Evening everyone

    A payment of £25.27 to the change jar for me today.

    I'm away on holiday for a week from tomorrow so I've decided to have a break from padding as well Have a great week everyone and I'll be back next Monday!
    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
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