Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 3,044Posts
    • 13,559Thanks
    kirtsypoos
    Payment A Day Chapter 18
    • #1
    • 22nd Jan 17, 3:05 PM
    Payment A Day Chapter 18 22nd Jan 17 at 3:05 PM
    *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


    January 2017 - Huge thank you to Keedie for keeping tabs
    £13,746.74

    Feb 2017 - Keedie doing the honours
    £7,930.50

    March 2017 - Huge thanks to Mandz
    £15,192.39

    April 2017
    £18,117.88

    May 2017
    £12,909.60

    June 2017
    £15,548.01

    July 2017
    £10983.76

    August 2017
    £13,640.17

    September 2017
    £12303.59

    October 2017
    £11,151.91
    Last edited by kirtsypoos; 03-11-2017 at 11:51 AM.
    £250/3000 OH BC(91.66% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £250/31010.23 (99.19% paid)
    Mortgage - £161,000.00 (2017 O/P £2221.94) PAYDBX 17 #006 - £17,473.18/14,539.71
Page 104
    • mandz1
    • By mandz1 5th Sep 17, 11:27 AM
    • 2,495 Posts
    • 10,851 Thanks
    mandz1
    morning everyone, so glad its back to school tomorrow so I will hopefully have more spare money to fling at the debt which has increased slightly over the school hols.


    £70 to mum/her argos card.
    PAD Maker
    SPC 570
    • cufc_mike
    • By cufc_mike 5th Sep 17, 11:55 PM
    • 305 Posts
    • 1,676 Thanks
    cufc_mike
    £3.47 off my cc today. Closing in on that 3-figure mark now!!
    Credit Card: 1st Aug 2017 --> £1,371.04 NOW --> £199.14 (85% of the way there!)
    Make a Payment a Day: £213.51 in Aug, £167.55 in Sep, £300.00 in Oct, £490.84 in Nov
    Make £400 November Challenge: £424.22 / £400 (£1,964.06 since Aug '17)
    • sashanut
    • By sashanut 5th Sep 17, 11:59 PM
    • 2,590 Posts
    • 24,179 Thanks
    sashanut
    Hi all

    Popping to PAD £39.47 pmt to M&S cc plz dg1019 - 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
    • dg1019
    • By dg1019 6th Sep 17, 6:03 AM
    • 100 Posts
    • 570 Thanks
    dg1019
    Morning all.

    Total for 5th September was £390.58.
    LBM 24/07/17
    02/10/17: CC1=£1879.68 CC2=£3351.56 CC3=£1849.28 CC4=£2337.38 OD=£0 Total=£9417.90 / £11763.90 (19.94% repaid)
    • dg1019
    • By dg1019 6th Sep 17, 6:05 AM
    • 100 Posts
    • 570 Thanks
    dg1019
    today's pad is £2.00 to CC2.
    LBM 24/07/17
    02/10/17: CC1=£1879.68 CC2=£3351.56 CC3=£1849.28 CC4=£2337.38 OD=£0 Total=£9417.90 / £11763.90 (19.94% repaid)
    • LittleMissDetermined
    • By LittleMissDetermined 6th Sep 17, 6:13 AM
    • 1,800 Posts
    • 7,523 Thanks
    LittleMissDetermined
    Morning!

    Midweek already

    My PAD today is £50 to the credit card

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

    £1000 EF Challenge #142 £1285/£1000 ... 3-6Mth Wages Challenge #4 £3700/£7129...
    24 months of Debt-busting to go...
    • TheMsTeal
    • By TheMsTeal 6th Sep 17, 6:25 AM
    • 134 Posts
    • 503 Thanks
    TheMsTeal
    Morning! £5 to regular payment. Thanks
    Debt Free Day Target: November 2018

    £2 Savers Club 2017: no 41
    • jet9cat
    • By jet9cat 6th Sep 17, 6:52 AM
    • 1,345 Posts
    • 10,069 Thanks
    jet9cat
    Morning all


    £11.90 off my cc today please dg1019
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • Mummy_bear
    • By Mummy_bear 6th Sep 17, 8:00 AM
    • 255 Posts
    • 976 Thanks
    Mummy_bear
    Morning,

    £1 to the Emergency Fund
    £1 to the Overdraft
    £1 to the Next account

    MB
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) £37139.86
    £5932.55/£37139.86 15.97% paid
    Estimated DFD JUNE 2020 (calculated July 2017)
    Debt Free by Christmas Challenge
    Total cleared £3362.89/£9091.72 36.98% paid
    • White-as-Snow
    • By White-as-Snow 6th Sep 17, 10:07 AM
    • 242 Posts
    • 739 Thanks
    White-as-Snow
    Well Wednesday came around quickly! First day in big school for DD today! Growing way too quickly!

    62p for me to CC please x
    Total Debt:
    Dec 2015: £20,090.87
    Dec 2016: £16,320.85
    • kirtsypoos
    • By kirtsypoos 6th Sep 17, 1:04 PM
    • 3,044 Posts
    • 13,559 Thanks
    kirtsypoos
    Afternoon all!

    £75 to OH BC for me today please
    £250/3000 OH BC(91.66% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £250/31010.23 (99.19% paid)
    Mortgage - £161,000.00 (2017 O/P £2221.94) PAYDBX 17 #006 - £17,473.18/14,539.71
    • mandz1
    • By mandz1 6th Sep 17, 8:34 PM
    • 2,495 Posts
    • 10,851 Thanks
    mandz1
    £53.50 payment to my mum pays off the money I owed her. Now onto the credit cards
    PAD Maker
    SPC 570
    • mandz1
    • By mandz1 6th Sep 17, 8:39 PM
    • 2,495 Posts
    • 10,851 Thanks
    mandz1
    Two more payments as well
    £25 to cc2 and £5.66 to very
    PAD Maker
    SPC 570
    • ahall3519
    • By ahall3519 6th Sep 17, 8:57 PM
    • 181 Posts
    • 645 Thanks
    ahall3519
    Good evening everyone! Please put me down for £22.75 to the usual debt two! Thanks!
    Barclaycard Debt as of April 2016-£1008.07 As of 30th January 2017=100% paid

    Lloyds CC Debt number 2 as of January 2017-£1757.96 As of October 2017 statement-£101.86=94% paid

    OH's Sainsbury's CC total-£1189.53 debt=£1111.27=7% paid
    • sashanut
    • By sashanut 6th Sep 17, 11:49 PM
    • 2,590 Posts
    • 24,179 Thanks
    sashanut
    Hi all

    Popping to PAD £20.00 pmt to M&S cc plz dg1019 - 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 7th Sep 17, 5:54 AM
    • 1,800 Posts
    • 7,523 Thanks
    LittleMissDetermined
    Good morning PADdingtons

    My PAD today is £15.95 please

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

    £1000 EF Challenge #142 £1285/£1000 ... 3-6Mth Wages Challenge #4 £3700/£7129...
    24 months of Debt-busting to go...
    • TheMsTeal
    • By TheMsTeal 7th Sep 17, 6:29 AM
    • 134 Posts
    • 503 Thanks
    TheMsTeal
    Morning fellow Padders! £5.16 to regular payments.Thanks.
    Debt Free Day Target: November 2018

    £2 Savers Club 2017: no 41
    • dg1019
    • By dg1019 7th Sep 17, 8:06 AM
    • 100 Posts
    • 570 Thanks
    dg1019
    Morning all.

    Total for 6th September was £274.43.
    LBM 24/07/17
    02/10/17: CC1=£1879.68 CC2=£3351.56 CC3=£1849.28 CC4=£2337.38 OD=£0 Total=£9417.90 / £11763.90 (19.94% repaid)
    • dg1019
    • By dg1019 7th Sep 17, 8:07 AM
    • 100 Posts
    • 570 Thanks
    dg1019
    today's pad is £2.00 to CC2.
    LBM 24/07/17
    02/10/17: CC1=£1879.68 CC2=£3351.56 CC3=£1849.28 CC4=£2337.38 OD=£0 Total=£9417.90 / £11763.90 (19.94% repaid)
    • erin_transport
    • By erin_transport 7th Sep 17, 10:08 AM
    • 327 Posts
    • 1,561 Thanks
    erin_transport
    Morning
    Busy few days here with work and travel.
    £10 to mortgage over payment
    £10 to cc
    £20 total. Thanks
    On a mission!
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

1,915Posts Today

7,732Users online

Martin's Twitter