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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 3,208Posts
    • 14,238Thanks
    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

    November 2017
    £14,979.38

    December 2017
    £11018.76

    Total for 2017
    £157,522.69
    Last edited by kirtsypoos; 01-01-2018 at 4:20 PM.
    £70/3000 OH BC(97.66% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £70/31010.23 (99.77% paid)
    Mortgage - £159,900.00 (2017/2018 O/P £2877.06) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £991.66/£4000
Page 106
    • mandz1
    • By mandz1 9th Sep 17, 11:44 AM
    • 2,516 Posts
    • 10,943 Thanks
    mandz1
    £4.02 to very today
    PAD Maker
    SPC 570
    • dg1019
    • By dg1019 9th Sep 17, 11:51 AM
    • 100 Posts
    • 570 Thanks
    dg1019
    Morning all.

    Total for 8th September was £300.68.
    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 9th Sep 17, 11:52 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)
    • TheMsTeal
    • By TheMsTeal 9th Sep 17, 1:47 PM
    • 184 Posts
    • 726 Thanks
    TheMsTeal
    £1 to cc.
    Debt Free Day Target: November 2018

    £2 Savers Club 2017: no 41
    • White-as-Snow
    • By White-as-Snow 9th Sep 17, 2:26 PM
    • 242 Posts
    • 739 Thanks
    White-as-Snow
    A mahoosive 60p again please hahah at least its something
    Total Debt:
    Dec 2015: £20,090.87
    Dec 2016: £16,320.85
    • jet9cat
    • By jet9cat 9th Sep 17, 4:32 PM
    • 1,403 Posts
    • 10,363 Thanks
    jet9cat
    Welcome to the thread arc2014


    £10 paid off to balance cc2 for me today please
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • IWILLgetthere
    • By IWILLgetthere 9th Sep 17, 6:12 PM
    • 65 Posts
    • 297 Thanks
    IWILLgetthere
    Hello all
    I haven't done a PAD for ages as my money situation is dire at the moment and hav really struggled just to pay the basics - August was a very expensive month for me
    so today's huge offering is £0.42pto Next please ... every penny does count I guess!
    Have seriously missed making my PAD and seeing how well everyone is doing
    • sashanut
    • By sashanut 9th Sep 17, 11:22 PM
    • 2,653 Posts
    • 24,751 Thanks
    sashanut
    Hi all

    Popping to PAD £8.10 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
    • Florence J
    • By Florence J 9th Sep 17, 11:25 PM
    • 1,857 Posts
    • 11,049 Thanks
    Florence J
    £29 to Mr T CC
    Sealed Pot Challenge 11 #553
    £1000 Emergency Fund Challenge #253
    Wombling free 2017 = £2195.92
    Pay off all your debts by Xmas 2017 #53 (£3168.45/£3000)
    November 2017 Credit Card Debt: £3980
    • dg1019
    • By dg1019 10th Sep 17, 9:04 AM
    • 100 Posts
    • 570 Thanks
    dg1019
    Morning all.

    Total for 9th September was £470.14.
    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 10th Sep 17, 9:05 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)
    • arc2014
    • By arc2014 10th Sep 17, 9:10 AM
    • 179 Posts
    • 827 Thanks
    arc2014
    Little bank round down of £1.70 PAD today!
    Last edited by arc2014; 10-09-2017 at 9:29 AM. Reason: Spelling
    Logbook Loan 970.42/1000 · DC1 90/1420.32 · DC2 10/321.13 · DC3 11.75/11.75 · DC4 60/635 · Personal Loan 1706.96/5000 · Overdraft 0/1200 · Total 2675.76/9388.20
    SPC #200
    PAYDBX18 #014 - £761.74/10,000
    Lightbulb Moment September 2017 - DFD Christmas 2018!
    • TheMsTeal
    • By TheMsTeal 10th Sep 17, 9:16 AM
    • 184 Posts
    • 726 Thanks
    TheMsTeal
    £1 to cc. Thanks.
    Debt Free Day Target: November 2018

    £2 Savers Club 2017: no 41
    • mandz1
    • By mandz1 10th Sep 17, 1:25 PM
    • 2,516 Posts
    • 10,943 Thanks
    mandz1
    £40.00 to cc1 today please
    PAD Maker
    SPC 570
    • cufc_mike
    • By cufc_mike 10th Sep 17, 7:57 PM
    • 432 Posts
    • 2,312 Thanks
    cufc_mike
    £21.52 off my cc today
    Make £775 January Challenge: £655.95 / £775 (£3,632.80 since Aug '17)
    Mortgage Overpayments: £1,122.55 | £639.17 Interest Saved
    Mortgage End Date: Was 01/06/2033 -> Now: 01/10/2032 (reduced by 8 months by PAD'ing)
    • IWILLgetthere
    • By IWILLgetthere 10th Sep 17, 8:19 PM
    • 65 Posts
    • 297 Thanks
    IWILLgetthere
    Evening PADders
    £3.07 to barclaycard for me today please.
    So inspiring to read all your posts and see your figures going down .. I have had a day wondering if I will ever have a spare £1 that isn't needed ! ho hum! reading all your posts is definitely helping me to think I WILL get there ! thanks guys
    • sashanut
    • By sashanut 10th Sep 17, 11:42 PM
    • 2,653 Posts
    • 24,751 Thanks
    sashanut
    Hi all

    Popping to PAD £4.00 2 x £2 coins into VW campervan moneybox 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 11th Sep 17, 2:45 AM
    • 100 Posts
    • 570 Thanks
    dg1019
    Morning all.

    Total for 10th September was £73.29.
    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 11th Sep 17, 2:46 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 11th Sep 17, 5:14 AM
    • 1,894 Posts
    • 7,959 Thanks
    LittleMissDetermined
    Morning everyone

    My PAD today is £27.70 finance payment 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 £1000/£1000 ... 3-6Mth Wages Challenge #4 £5600/£7129...
    24 months of Debt-busting to go...
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