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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 3,086Posts
    • 13,763Thanks
    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
    Last edited by kirtsypoos; 01-12-2017 at 12:15 PM.
    £175/3000 OH BC(94.16% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £175/31010.23 (99.43% paid)
    Mortgage - £161,000.00 (2017 O/P £3191.73) PAYDBX 17 #006 - £17,910.81/14,539.71
Page 118
    • AdventureWanted
    • By AdventureWanted 3rd Oct 17, 4:08 PM
    • 156 Posts
    • 571 Thanks
    AdventureWanted
    £11.14 paid today (£8 to CC1, £3.14 to CC3)
    LBM Aug 2017. DFD - May 2021 / Dec 2021
    CC1 - £982.50 / £5,185 1/8/17. CC2 - £7,020.00 / £13,470 1/8/17. CC3 - £10.940.00 / £11,400 1/8/17
    CC4 - £12,740.00 / £13,000 20/11/17

    1% challenge - 80%. PAD challenge - £2,570.27 (since 13/9/17)
    • Sassers
    • By Sassers 3rd Oct 17, 5:25 PM
    • 1,242 Posts
    • 8,077 Thanks
    Sassers
    Hi everyone - hope you're all well!
    Here's my monthly pad total - £635
    See you soon
    Love Sassers xx
    Current debt and mortgage: £33, 970
    Debt/Mortgage at start: £92,598 (27/09/2010)
    Paid off so far: £57,133
    • IWILLgetthere
    • By IWILLgetthere 3rd Oct 17, 5:42 PM
    • 61 Posts
    • 272 Thanks
    IWILLgetthere
    Hello PADders
    Thank you to everyone who's replied to my message - your support is much appreciated and keeping me going
    I have joined a DMP thread on here and been getting lots of advice and support there too.
    My pad for today is £30 next and £24.80 littlewoods so that's a total of £54.80 for me please x
    • erin_transport
    • By erin_transport 3rd Oct 17, 7:55 PM
    • 342 Posts
    • 1,619 Thanks
    erin_transport
    Iwillgetthere - so much good advice on this forum. The only regret you'll have is not joining sooner
    Today, my contribution is
    Bank tidy up of £8.88 to savings
    Thanks
    On a mission!
    • cufc_mike
    • By cufc_mike 3rd Oct 17, 9:05 PM
    • 361 Posts
    • 1,935 Thanks
    cufc_mike
    £10.56 off my cc today
    Make £300 December Challenge: £212.37 / £300 (£2,363.97 since Aug '17) | PAD'ing since August 2017: £1,628.09
    Mortgage Overpayments: £273.57 | £159.70 Interest Saved
    Mortgage End Date: Was 01/06/2033 -> Now: 01/04/2033 (reduced by 2 months by PAD'ing)
    • mumofthetwins
    • By mumofthetwins 3rd Oct 17, 10:17 PM
    • 880 Posts
    • 3,815 Thanks
    mumofthetwins
    £2.45 for me today ��
    This time I'm sticking with it !!
    Oct /£300 3NSD
    PAD
    June £3362.78 July £1803.88 Aug £1895 Oct £483.77
    • IWILLgetthere
    • By IWILLgetthere 3rd Oct 17, 10:18 PM
    • 61 Posts
    • 272 Thanks
    IWILLgetthere
    Off to bed soon but just done a bank round down to next for £0.86p
    Goodnight all - thanks for keeping me motivated and feeling like I'm doing OK!
    • MoneyEM
    • By MoneyEM 4th Oct 17, 12:59 AM
    • 94 Posts
    • 36 Thanks
    MoneyEM
    I (had) a debt of £1650 this morning but I pushed myself and transferred £100 today. I now have £137 to last me 15 days but as it's just me and I'll be doing my food shopping in Aldi and trying my best to prepare homecooked lunches for work, I'm hoping it will be enough!

    Balance remaining is £1550 with a target to be debt free by Jan 1st, but i'm not sure how achievable that is as December's pay check is going to be hit hard by my travel season ticket subsidy in terms of extra NI and Student Loan contributions. I also have to pay £250 upfront for a year of ground rent to my freeholder. Along with Christmas this may be too tall an order and carry it over into the new year.

    Total paid off this month so far £348.96. Anyone else find it satifying to see the numbers go down and down? In June i was faced with £3700 but have worked hard to get it down to where it is today!
    • LittleMissDetermined
    • By LittleMissDetermined 4th Oct 17, 5:38 AM
    • 1,820 Posts
    • 7,616 Thanks
    LittleMissDetermined
    Morning

    £16.92 for me today 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 £4100/£7129...
    24 months of Debt-busting to go...
    • TheMsTeal
    • By TheMsTeal 4th Oct 17, 6:12 AM
    • 151 Posts
    • 586 Thanks
    TheMsTeal
    89.80 to regular payment. Thanks.
    Debt Free Day Target: November 2018

    £2 Savers Club 2017: no 41
    • ahall3519
    • By ahall3519 4th Oct 17, 10:56 AM
    • 187 Posts
    • 665 Thanks
    ahall3519
    Good morning everyone! Please put me down for a small PAD of £3today 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-£57.86=97% paid

    OH's Sainsbury's CC total-£1189.53 debt=£997.27=16% paid
    • Florence J
    • By Florence J 4th Oct 17, 11:00 AM
    • 1,794 Posts
    • 10,162 Thanks
    Florence J
    £23.02 to Mr L CC
    £100 to Overdraft
    Sealed Pot Challenge 11 #553
    £1000 Emergency Fund Challenge #253
    Wombling free 2017 = £2110.15
    Pay off all your debts by Xmas 2017 #53 (£3133.08/£3000)
    November 2017 Credit Card Debt: £3980
    • AdventureWanted
    • By AdventureWanted 4th Oct 17, 6:30 PM
    • 156 Posts
    • 571 Thanks
    AdventureWanted
    Received refund for cancelled climbing lesson for kids, so £13 to CC1 today.
    LBM Aug 2017. DFD - May 2021 / Dec 2021
    CC1 - £982.50 / £5,185 1/8/17. CC2 - £7,020.00 / £13,470 1/8/17. CC3 - £10.940.00 / £11,400 1/8/17
    CC4 - £12,740.00 / £13,000 20/11/17

    1% challenge - 80%. PAD challenge - £2,570.27 (since 13/9/17)
    • mandz1
    • By mandz1 4th Oct 17, 6:44 PM
    • 2,503 Posts
    • 10,888 Thanks
    mandz1
    £9.13 to Very today please
    PAD Maker
    SPC 570
    • jet9cat
    • By jet9cat 4th Oct 17, 7:17 PM
    • 1,361 Posts
    • 10,149 Thanks
    jet9cat
    wow the padding community really pulled the stops out yesterday with a total of



    £1356.78
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • erin_transport
    • By erin_transport 4th Oct 17, 7:41 PM
    • 342 Posts
    • 1,619 Thanks
    erin_transport
    Hi
    £2 to online savings
    £3 to mortgage over payment
    £5 to pension pot
    £10 to cc
    £20 total today
    On a mission!
    • mumofthetwins
    • By mumofthetwins 4th Oct 17, 9:46 PM
    • 880 Posts
    • 3,815 Thanks
    mumofthetwins
    Pad of £23.39 from cc today
    This time I'm sticking with it !!
    Oct /£300 3NSD
    PAD
    June £3362.78 July £1803.88 Aug £1895 Oct £483.77
    • cufc_mike
    • By cufc_mike 5th Oct 17, 12:47 AM
    • 361 Posts
    • 1,935 Thanks
    cufc_mike
    £3 off my cc today
    Make £300 December Challenge: £212.37 / £300 (£2,363.97 since Aug '17) | PAD'ing since August 2017: £1,628.09
    Mortgage Overpayments: £273.57 | £159.70 Interest Saved
    Mortgage End Date: Was 01/06/2033 -> Now: 01/04/2033 (reduced by 2 months by PAD'ing)
    • LittleMissDetermined
    • By LittleMissDetermined 5th Oct 17, 6:58 AM
    • 1,820 Posts
    • 7,616 Thanks
    LittleMissDetermined
    Morning!
    Bank round down to the credit card for me today of £1.14

    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 £4100/£7129...
    24 months of Debt-busting to go...
    • TheMsTeal
    • By TheMsTeal 5th Oct 17, 7:21 AM
    • 151 Posts
    • 586 Thanks
    TheMsTeal
    Morning! 14.33 to a regular payment which clears that particular one for good!
    Debt Free Day Target: November 2018

    £2 Savers Club 2017: no 41
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