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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 3,039Posts
    • 13,552Thanks
    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 - £17,409.18/14,539.71
Page 105
    • White-as-Snow
    • By White-as-Snow 7th Sep 17, 10:34 AM
    • 242 Posts
    • 739 Thanks
    White-as-Snow
    Hi hi!

    all of 68 p today please xx
    Total Debt:
    Dec 2015: £20,090.87
    Dec 2016: £16,320.85
    • sashybo
    • By sashybo 7th Sep 17, 12:02 PM
    • 2,440 Posts
    • 18,627 Thanks
    sashybo
    Hi all, a PAD of £44 to loan no1 today. Got my payment from 0nepoll.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £8850 extra paid off debt. Total Debt paid off £46,208.98
    Loan £3754.39, CC 0% BT £967, Car loans £24,151.20
    • jet9cat
    • By jet9cat 7th Sep 17, 12:13 PM
    • 1,343 Posts
    • 10,061 Thanks
    jet9cat
    paid £16 off balance cc2 today
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • Erme
    • By Erme 7th Sep 17, 4:52 PM
    • 3,595 Posts
    • 21,534 Thanks
    Erme
    September is turning into a mini nightmare mind wise. Not aided by trying to fix mind by spending . So back on the £1 treats budget today for this - still have my 18p Basil plant from my bad mind episode in the summer

    Yes I maybe unwell but that is no excuse not to budget and take responsibility. It's about baby steps - allowing for the whoopsies and doing what I can when I can . Ready meals allowed. Ready meals with grated/chopped up veg even better though!!! I did this yesterday - pre baked (in frozen section) jacket spud with a grated carrot and the last of a lettuce done in the food processor with grated cheese (again food processor), 1/2 can of baked beans and mayo

    So easy yet so healthy! Healthy bod, healthy mind

    E
    Last edited by Erme; 07-09-2017 at 4:54 PM.

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


    • kirtsypoos
    • By kirtsypoos 7th Sep 17, 10:47 PM
    • 3,039 Posts
    • 13,552 Thanks
    kirtsypoos
    Evening all!

    £26 to OH BC CC which takes it under £500....just, but it still counts right?!
    £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 - £17,409.18/14,539.71
    • sashanut
    • By sashanut 7th Sep 17, 11:39 PM
    • 2,588 Posts
    • 24,168 Thanks
    sashanut
    Hi all

    Popping to PAD £12.66 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 8th Sep 17, 3:25 AM
    • 100 Posts
    • 570 Thanks
    dg1019
    Morning all.

    Total for 7th September was £142.45.
    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 8th Sep 17, 3:50 AM
    • 100 Posts
    • 570 Thanks
    dg1019
    today's pad is £2.00 to CC1.
    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 8th Sep 17, 7:47 AM
    • 1,800 Posts
    • 7,518 Thanks
    LittleMissDetermined
    Morning! £5.77 for me today please. I'm away this weekend but will try and still get on and PAD

    LMD xx
    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...
    • Erme
    • By Erme 8th Sep 17, 10:35 AM
    • 3,595 Posts
    • 21,534 Thanks
    Erme
    Have a good weekend LMD. Hugs....

    I have anxiety and nausea - easy day for me today

    Doesn't mean I can't sing - Keep on padding - padding from thy haaaarrt, one fine day you're going to get debt free, cos I know ya will, oh yeah, I know ya will

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


    • erin_transport
    • By erin_transport 8th Sep 17, 12:54 PM
    • 326 Posts
    • 1,557 Thanks
    erin_transport
    Hi
    £12.50 mortgage over payment
    £12.50 pension pot
    £12.50 savings online
    £37.50 total.
    On a mission!
    • Chappie77
    • By Chappie77 8th Sep 17, 1:08 PM
    • 125 Posts
    • 661 Thanks
    Chappie77
    Afternoon all!

    I've been so busy that this is my first update in 2 weeks.

    £200 paid = £1310/£2226.93

    Chappie x
    Last edited by Chappie77; 08-09-2017 at 1:10 PM.
    Payment a Day 2017 £459.70/£459.70 Argos Card
    £1606.17/£1606.17 Barclaycard
    Next £2226.93/£2226.93 Barclaycard £0/£508.74
    Saving for Xmas 2017 #71 £627/£365
    Virtual Sealed Pot 2017 #13 £513.53/£500
    PAYDBX2017 #67 £5500/£5500
    • TheMsTeal
    • By TheMsTeal 8th Sep 17, 3:32 PM
    • 133 Posts
    • 498 Thanks
    TheMsTeal
    Afternoon All! £5.03 to regular payments.
    Debt Free Day Target: November 2018

    £2 Savers Club 2017: no 41
    • jet9cat
    • By jet9cat 8th Sep 17, 3:49 PM
    • 1,343 Posts
    • 10,061 Thanks
    jet9cat
    £8.90 paid off 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 8th Sep 17, 5:13 PM
    • 255 Posts
    • 976 Thanks
    Mummy_bear
    £5 to NEXT account
    £3 to OD
    £3 to Emergency Fund
    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
    • sashybo
    • By sashybo 8th Sep 17, 5:32 PM
    • 2,440 Posts
    • 18,627 Thanks
    sashybo
    Hi all, £16 PAD to loan no1 today as more survey money through.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £8850 extra paid off debt. Total Debt paid off £46,208.98
    Loan £3754.39, CC 0% BT £967, Car loans £24,151.20
    • cufc_mike
    • By cufc_mike 8th Sep 17, 11:07 PM
    • 302 Posts
    • 1,656 Thanks
    cufc_mike
    £2.48 off my cc today
    Credit Card: 1st Aug 2017 --> £1,371.04 NOW --> £222.95 (83% of the way there!)
    Make a Payment a Day: £213.51 in Aug, £167.55 in Sep, £300.00 in Oct, £467.03 in Nov
    Make £400 November Challenge: £424.22 / £400 (£1,964.06 since Aug '17)
    • sashanut
    • By sashanut 8th Sep 17, 11:33 PM
    • 2,588 Posts
    • 24,168 Thanks
    sashanut
    Hi all

    Popping to PAD £12.00 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
    • erin_transport
    • By erin_transport 9th Sep 17, 8:23 AM
    • 326 Posts
    • 1,557 Thanks
    erin_transport
    Morning
    £250 to online savings
    £150 to mortgage over payment
    £400 total today
    On a mission!
    • arc2014
    • By arc2014 9th Sep 17, 10:39 AM
    • 139 Posts
    • 558 Thanks
    arc2014
    I'm going to join if you don't mind!

    Just made a £15 payment! Here's to a day closer to being debt free!
    Logbook Loan 670.42/1000 · DC1 60/1420.32 · DC2 40/321.13 · DC3 11.75/11.75 · DC4 60/635 · Personal Loan 600/4800 · Overdraft 0/1200

    SPC #200

    Lightbulb Moment September 2017 - DFD Christmas 2018!
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