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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 3,033Posts
    • 13,527Thanks
    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 - £17,309.18/14,539.71
Page 109
    • sashanut
    • By sashanut 14th Sep 17, 11:26 PM
    • 2,586 Posts
    • 24,156 Thanks
    sashanut
    Hi all

    Popping to PAD £60.99 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
    • AdventureWanted
    • By AdventureWanted 15th Sep 17, 7:37 AM
    • 122 Posts
    • 468 Thanks
    AdventureWanted
    Payment of £5.68 to CC1 today. Thanks
    LBM Aug 2017. DFD - Dec 2021
    CC1 - £1,795.00 / £5,185 1/8/17. CC2 - £7,150.00 / £13,470 1/8/17. CC3 - £10.940.00 / £11,400 1/8/17
    CC4 - £13,000.00 / £13,000 20/11/17

    1% challenge - 65%. PAD challenge - £1,367.77 (since 13/9/17)
    • TheMsTeal
    • By TheMsTeal 15th Sep 17, 7:58 AM
    • 131 Posts
    • 492 Thanks
    TheMsTeal
    0.50 to cc. I'm away from internet for a few days so will catch up with my PADS next week!
    Debt Free Day Target: November 2018

    £2 Savers Club 2017: no 41
    • Mummy_bear
    • By Mummy_bear 15th Sep 17, 9:10 AM
    • 255 Posts
    • 976 Thanks
    Mummy_bear
    Morning

    £109.8Next account finally cleared

    £25 to the Emergency Fund

    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
    • kirtsypoos
    • By kirtsypoos 15th Sep 17, 10:31 AM
    • 3,033 Posts
    • 13,527 Thanks
    kirtsypoos
    Morning all,

    £15 to OH BC 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 - £17,309.18/14,539.71
    • dg1019
    • By dg1019 15th Sep 17, 8:14 PM
    • 100 Posts
    • 570 Thanks
    dg1019
    Total for 14 September was £204.43
    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 15th Sep 17, 8:26 PM
    • 100 Posts
    • 570 Thanks
    dg1019
    Today's payment is £2 to card 1.
    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 15th Sep 17, 11:34 PM
    • 325 Posts
    • 1,547 Thanks
    erin_transport
    Hi
    £8.54 to cc today
    Thanks
    On a mission!
    • sashanut
    • By sashanut 15th Sep 17, 11:36 PM
    • 2,586 Posts
    • 24,156 Thanks
    sashanut
    Hi all

    Popping to PAD £12.03 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
    • Mummy_bear
    • By Mummy_bear 16th Sep 17, 8:57 AM
    • 255 Posts
    • 976 Thanks
    Mummy_bear
    Good morning.

    £300 to Emergency Fund
    £100 off the BC

    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
    • AdventureWanted
    • By AdventureWanted 16th Sep 17, 9:31 AM
    • 122 Posts
    • 468 Thanks
    AdventureWanted
    Hi all,
    £4.05 off CC1 today. Thanks.
    LBM Aug 2017. DFD - Dec 2021
    CC1 - £1,795.00 / £5,185 1/8/17. CC2 - £7,150.00 / £13,470 1/8/17. CC3 - £10.940.00 / £11,400 1/8/17
    CC4 - £13,000.00 / £13,000 20/11/17

    1% challenge - 65%. PAD challenge - £1,367.77 (since 13/9/17)
    • dg1019
    • By dg1019 16th Sep 17, 12:29 PM
    • 100 Posts
    • 570 Thanks
    dg1019
    Total for Friday 15th September was 178.55.
    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 16th Sep 17, 12:29 PM
    • 100 Posts
    • 570 Thanks
    dg1019
    My payment today is £2 to card 1
    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)
    • jet9cat
    • By jet9cat 16th Sep 17, 2:32 PM
    • 1,343 Posts
    • 10,059 Thanks
    jet9cat
    Paid £43 to balance cc today please dg1019
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • Lancashirelass1
    • By Lancashirelass1 16th Sep 17, 4:24 PM
    • 83 Posts
    • 220 Thanks
    Lancashirelass1
    Hi all not paid for couple of weeks, my Second snowball this month for September.
    £1650.00
    Thank you
    Aim to be debt free by 43 realistic is by the time I have finished being 43!!!
    Snowballing starting in August 2017
    Debt total
    23'570.92
    • IWILLgetthere
    • By IWILLgetthere 16th Sep 17, 8:53 PM
    • 58 Posts
    • 267 Thanks
    IWILLgetthere
    oh gosh 0.04p in my account - so i'll send that to Next
    • erin_transport
    • By erin_transport 17th Sep 17, 8:13 AM
    • 325 Posts
    • 1,547 Thanks
    erin_transport
    Hi
    £18 to cc
    £17 to savings
    £35 total for me
    On a mission!
    • LittleMissDetermined
    • By LittleMissDetermined 17th Sep 17, 8:27 AM
    • 1,798 Posts
    • 7,508 Thanks
    LittleMissDetermined
    Morning all

    Apologies for being absent, I've been under the weather and had a few days feeling very sorry for myself! Feeling brighter today (just in time for work tomorrow) so back with a PAD of £25 to the credit card 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...
    • dg1019
    • By dg1019 17th Sep 17, 9:11 AM
    • 100 Posts
    • 570 Thanks
    dg1019
    Total for 16th September was a massive £2099.09
    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 17th Sep 17, 11:59 AM
    • 100 Posts
    • 570 Thanks
    dg1019
    £2 to card 1 for me today.
    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)
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