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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 7th Jun 16, 10:20 AM
    • 1,758Posts
    • 6,667Thanks
    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
    £2025/3000 OH BC(32.50% PAID) £1600/3851 B/C (58.45% PAID)
    £540/1000 Tesco (46% PAID) MBNA £3400/3795.64 (10.42% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D & MBNA PAID
    LBM 24/07/15 - Debt: £7565/31010.23 (75.60% paid)
    Mortgage - £85,000.00 (O/P £666.48 so far) PAYDBX 16 #006 - £14947.15/£10000
Page 63
    • sashanut
    • By sashanut 16th Oct 16, 11:00 PM
    • 2,323 Posts
    • 22,778 Thanks
    sashanut
    Hi all
    Popping in with a PAD - £29.65.. 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 17th Oct 16, 6:04 AM
    • 1,428 Posts
    • 5,612 Thanks
    LittleMissDetermined
    Morning!

    Bank skim for me today please Erme of £3.60 to credit card

    Have a happy Monday

    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 17th Oct 16, 6:30 AM
    • 3,515 Posts
    • 21,108 Thanks
    Erme
    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
    Originally posted by Keedie
    My sleep pattern is froot loop. I only need 7-8 hours sleep but somehow am getting 10? half the day goes before I emerge!!! Argh!!!

    And my cheap hair dresser is off sick and my locks have needed trimming for over a month - so youtube and amazon become my friends (did this before years ago when debt busting)

    So I was wading through leaves yesterday (in the middle of town) trying not to slip

    Hence I thought you all needed totals and then leaves

    Saturday's lovely total was


    £168.77

    and sabbath's

    £420.16


    and now ya leaves!!!


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


    • Keedie
    • By Keedie 17th Oct 16, 12:12 PM
    • 131 Posts
    • 539 Thanks
    Keedie
    Hi All,

    Hope you all have a good day. I am having a lazy one today (procrastination about doing my CV!)

    My PAD for today is £5 to MBNA please Erme. I hope your sleep pattern settles down soon. I need about 8/9 hours but I'm surviving on about4/5 hence the migraines lol.

    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
    • mandz1
    • By mandz1 17th Oct 16, 1:42 PM
    • 2,292 Posts
    • 9,854 Thanks
    mandz1
    £4.98 payment today please
    • sashanut
    • By sashanut 17th Oct 16, 11:13 PM
    • 2,323 Posts
    • 22,778 Thanks
    sashanut
    Hi all
    Popping in with a PAD - £47.44.. 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 18th Oct 16, 5:59 AM
    • 1,428 Posts
    • 5,612 Thanks
    LittleMissDetermined
    Good morning! The weather sounds awful outside, wish I could go back to bed today...

    Bank round down for me today again please Erme of £7.63 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 £1450 /£7129...
    24 23 22 21 20 19 18 17 months of Debt-busting to go...
    • mandz1
    • By mandz1 18th Oct 16, 7:31 AM
    • 2,292 Posts
    • 9,854 Thanks
    mandz1
    Morning all

    Another payment to very of £5
    • Erme
    • By Erme 18th Oct 16, 8:54 AM
    • 3,515 Posts
    • 21,108 Thanks
    Erme
    I slept better but the radio is spying on me and I didn't make choir....

    If I can play my birthday present from a few weeks ago it'll be a miracle! All I know is it's ready meals and veggies for a few days and Medics end of week (so hate going to see medics but I know I need to go and I trust this chappie) and after stabbing my fingers a couple of times trying to refill a cheap all in one printer I've order a samsung laser jet that's on offer everywhere cos it's last year's model (£40 ) but I've ordered from PC rip off - not best for customer service :P

    So enough of me ranting P

    Yesterday's total

    It's peachy -

    £61.02


    Lurkers, those down in the dumps, this gif below is for you. You so can do this!!! Don't stay down for long - come up for air!!!

    Last edited by Erme; 18-10-2016 at 8:57 AM.

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


    • kirtsypoos
    • By kirtsypoos 18th Oct 16, 9:29 AM
    • 1,758 Posts
    • 6,667 Thanks
    kirtsypoos
    Morning all!

    £20 for me today please
    £2025/3000 OH BC(32.50% PAID) £1600/3851 B/C (58.45% PAID)
    £540/1000 Tesco (46% PAID) MBNA £3400/3795.64 (10.42% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D & MBNA PAID
    LBM 24/07/15 - Debt: £7565/31010.23 (75.60% paid)
    Mortgage - £85,000.00 (O/P £666.48 so far) PAYDBX 16 #006 - £14947.15/£10000
    • Keedie
    • By Keedie 18th Oct 16, 2:13 PM
    • 131 Posts
    • 539 Thanks
    Keedie
    Hi All,

    Quick PAD of £5 to MBNA please Erme.

    Thanks,
    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 18th Oct 16, 11:42 PM
    • 2,323 Posts
    • 22,778 Thanks
    sashanut
    Hi all
    Popping in with a PAD - £85.00.. 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 19th Oct 16, 4:17 AM
    • 3,515 Posts
    • 21,108 Thanks
    Erme
    Just realised at 2am or so this morning. Poor sleep is causing paranoia and muddle. Got a few options I can try from reducing stimulants (including screen time) to warm milk

    Just so need to get this sorted as paranoia and muddle is not fun!!!!

    Will check back later with totals ....this is getting too close to psych unit for my liking:P


    e

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


    • LittleMissDetermined
    • By LittleMissDetermined 19th Oct 16, 6:26 AM
    • 1,428 Posts
    • 5,612 Thanks
    LittleMissDetermined
    Morning all

    Trouble sleeping here too Erme but it's down to stress levels from work at the moment looking forward to pay day next week followed by a long weekend to myself.

    As we are awaiting pay day, today is a small but mighty 70p to savings

    Have a good day all

    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 19th Oct 16, 6:46 AM
    • 1,074 Posts
    • 8,637 Thanks
    jet9cat
    £13.60 to the cc for me today please
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • Erme
    • By Erme 19th Oct 16, 9:08 AM
    • 3,515 Posts
    • 21,108 Thanks
    Erme
    Loving your regular fivers Mandz - wouldn't notice them but being counter upper I am

    So yesterday's total

    £122.63



    I'm good with that

    Have a good day folks

    E

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


    • mandz1
    • By mandz1 19th Oct 16, 9:39 AM
    • 2,292 Posts
    • 9,854 Thanks
    mandz1
    Morning, very quiet recently hope everyone's ok.
    £5.32 to cc for me today please
    • ahall3519
    • By ahall3519 19th Oct 16, 10:19 AM
    • 74 Posts
    • 171 Thanks
    ahall3519
    Good morning everyone! Sorry i've been a bit awol recently. Hope everyone is well! Please put me down for £10 to the usual Barclaycard CC!
    Barclaycard Debit as of April 2016-£1008.07
    As of November 2016 Statement-£423.07=58% paid
    • kirtsypoos
    • By kirtsypoos 19th Oct 16, 10:24 AM
    • 1,758 Posts
    • 6,667 Thanks
    kirtsypoos
    Morning all!

    £240 for me today please Erme Really hope you get your sleep pattern a bit more sorted Erme - thinking of you!
    £2025/3000 OH BC(32.50% PAID) £1600/3851 B/C (58.45% PAID)
    £540/1000 Tesco (46% PAID) MBNA £3400/3795.64 (10.42% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D & MBNA PAID
    LBM 24/07/15 - Debt: £7565/31010.23 (75.60% paid)
    Mortgage - £85,000.00 (O/P £666.48 so far) PAYDBX 16 #006 - £14947.15/£10000
    • Keedie
    • By Keedie 19th Oct 16, 2:46 PM
    • 131 Posts
    • 539 Thanks
    Keedie
    Hi All,

    A PAD of £25 to MBNA please.

    Erme - I hope that you start to settle with your sleep pattern very soon . That hyper jittery paranoid state can escalate very quickly, so please take care and concentrate on getting some sleep even if you're not experiencing your ideal/full sleep and rest pattern. As you can slowly work towards a better balance...? When I'm escalating, I try to avoid emotionally draining situations/people or events that are too emotionally charged, even if they're happy, like birthdays etc. Don't go cold turkey with reducing the stimulants if you can help it, as the anxiety/paranoia can sometimes fill the void (well in my case anyways) .

    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
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