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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 3,044Posts
    • 13,576Thanks
    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 107
    • TheMsTeal
    • By TheMsTeal 11th Sep 17, 9:33 AM
    • 136 Posts
    • 511 Thanks
    TheMsTeal
    Morning All! £1 to cc please.
    Debt Free Day Target: November 2018

    £2 Savers Club 2017: no 41
    • arc2014
    • By arc2014 11th Sep 17, 11:04 AM
    • 139 Posts
    • 563 Thanks
    arc2014
    Another little round down of 58p for me today! Every penny counts...!!

    Big payments coming next week!
    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!
    • Mummy_bear
    • By Mummy_bear 11th Sep 17, 11:48 AM
    • 255 Posts
    • 977 Thanks
    Mummy_bear
    Morning,

    £66 paid...overdraft cleared
    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
    • Erme
    • By Erme 11th Sep 17, 4:05 PM
    • 3,596 Posts
    • 21,540 Thanks
    Erme
    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!
    Originally posted by arc2014
    Here, here!!! you so can do this!!!

    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
    Originally posted by IWILLgetthere
    Little pads are still little pads. Don't be disheartened (says she whose wondering when she can save between now and New Year! Yes I did need that bargain heater from Amazon - but the downside is - tis mail order - might not arrive in one piece ).

    I haven't said this mantra of mine for a while but Jet knows it and it's true! tis not going down (or getting into debt) that's the crime but staying down (no lightbulb moment)and yes, all of you that are struggling right now can so do this....and yes, one day you will get debt free. I was £8k in debt when I started and on benefits - to which I added another £900 due to paranoia shortly after. Don't be ashamed either to change tactics if you are stalling or adding to debt - no shame in trying something new to get back on the debt busting wagon

    Know we are all here for you even if life is pants and you just need to vent

    E

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


    • IWILLgetthere
    • By IWILLgetthere 11th Sep 17, 6:10 PM
    • 58 Posts
    • 267 Thanks
    IWILLgetthere
    Hello everyone
    Just £1.77 to Next for me today please
    • IWILLgetthere
    • By IWILLgetthere 11th Sep 17, 6:13 PM
    • 58 Posts
    • 267 Thanks
    IWILLgetthere
    Here, here!!! you so can do this!!!



    Little pads are still little pads. Don't be disheartened (says she whose wondering when she can save between now and New Year! Yes I did need that bargain heater from Amazon - but the downside is - tis mail order - might not arrive in one piece ).

    I haven't said this mantra of mine for a while but Jet knows it and it's true! tis not going down (or getting into debt) that's the crime but staying down (no lightbulb moment)and yes, all of you that are struggling right now can so do this....and yes, one day you will get debt free. I was £8k in debt when I started and on benefits - to which I added another £900 due to paranoia shortly after. Don't be ashamed either to change tactics if you are stalling or adding to debt - no shame in trying something new to get back on the debt busting wagon

    Know we are all here for you even if life is pants and you just need to vent

    E
    Originally posted by Erme
    Thank you Erme I've been really struggling to see how I'll ever have any money that isn't owed out! you've just given me a little boost and reminded me that I can do this !
    Last edited by IWILLgetthere; 11-09-2017 at 6:18 PM. Reason: needed to add more to my comment
    • erin_transport
    • By erin_transport 11th Sep 17, 9:41 PM
    • 329 Posts
    • 1,567 Thanks
    erin_transport
    Hi
    £8 to cc
    £8 to mortgage over payment
    £16 total. Thanks
    On a mission!
    • sashanut
    • By sashanut 11th Sep 17, 11:14 PM
    • 2,594 Posts
    • 24,202 Thanks
    sashanut
    Hi all

    Popping to PAD £63.39 payment 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 12th Sep 17, 6:38 AM
    • 100 Posts
    • 570 Thanks
    dg1019
    Morning all.

    Total for 11th September was £178.44.
    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 12th Sep 17, 6:39 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 12th Sep 17, 6:43 AM
    • 1,801 Posts
    • 7,527 Thanks
    LittleMissDetermined
    Small bank round down for me today of £1.29


    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 12th Sep 17, 8:18 AM
    • 136 Posts
    • 511 Thanks
    TheMsTeal
    Just a tiny 0.26 to cc today please.
    Debt Free Day Target: November 2018

    £2 Savers Club 2017: no 41
    • IWILLgetthere
    • By IWILLgetthere 12th Sep 17, 5:22 PM
    • 58 Posts
    • 267 Thanks
    IWILLgetthere
    Hello PADders
    £1.15 to next for me today please
    • kirtsypoos
    • By kirtsypoos 12th Sep 17, 7:55 PM
    • 3,044 Posts
    • 13,576 Thanks
    kirtsypoos
    Evening all!

    £9 to OHs CC 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
    • ahall3519
    • By ahall3519 12th Sep 17, 8:28 PM
    • 181 Posts
    • 646 Thanks
    ahall3519
    Good evening everyone! I've been a bit quiet as been away. So please put me down for £10 to the usual debt two! Having problems trying to set up a new payee on my online banking so had to phone up Lloyds tonight and make a payment.
    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
    • jet9cat
    • By jet9cat 12th Sep 17, 9:36 PM
    • 1,345 Posts
    • 10,073 Thanks
    jet9cat
    Small survey payout means a payment of £5 to balance cc1 today please
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • cufc_mike
    • By cufc_mike 12th Sep 17, 9:54 PM
    • 311 Posts
    • 1,710 Thanks
    cufc_mike
    £2.08 off my cc today
    Credit Card: 1st Aug 2017 --> £1,371.04 NOW --> £167.89 (87% of the way there!)
    Make a Payment a Day: £213.51 in Aug, £167.55 in Sep, £300.00 in Oct, £505.57 in Nov
    Make £400 November Challenge: £469.36 / £400 (£2,009.20 since Aug '17)
    • erin_transport
    • By erin_transport 12th Sep 17, 10:25 PM
    • 329 Posts
    • 1,567 Thanks
    erin_transport
    Hi
    Bank tidy up of
    £5.13 to cc
    On a mission!
    • sashanut
    • By sashanut 12th Sep 17, 11:18 PM
    • 2,594 Posts
    • 24,202 Thanks
    sashanut
    Hi all

    Popping to PAD £8.10 payment 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 13th Sep 17, 6:50 AM
    • 1,801 Posts
    • 7,527 Thanks
    LittleMissDetermined
    Morning!

    A small but mighty 31p for me today

    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...
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