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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 3,087Posts
    • 13,766Thanks
    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 119
    • AdventureWanted
    • By AdventureWanted 5th Oct 17, 7:23 AM
    • 158 Posts
    • 575 Thanks
    AdventureWanted
    Morning, have managed a £60 overpayment 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)
    • jet9cat
    • By jet9cat 5th Oct 17, 6:13 PM
    • 1,361 Posts
    • 10,152 Thanks
    jet9cat
    Total PADded on 4th October was




    £398.26
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • erin_transport
    • By erin_transport 5th Oct 17, 10:26 PM
    • 342 Posts
    • 1,620 Thanks
    erin_transport
    Hi
    £27 to cc
    £8 to mortgage over payment
    £35 total for me today
    On a mission!
    • cufc_mike
    • By cufc_mike 6th Oct 17, 12:18 AM
    • 361 Posts
    • 1,943 Thanks
    cufc_mike
    £10.00 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 6th Oct 17, 7:28 AM
    • 1,820 Posts
    • 7,616 Thanks
    LittleMissDetermined
    Morning and hap-hap-happy Friiiidaaaaay

    Regular payment for me today of £15.95 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...
    • mandz1
    • By mandz1 6th Oct 17, 7:33 AM
    • 2,503 Posts
    • 10,888 Thanks
    mandz1
    Morning £1.47 to very today please
    PAD Maker
    SPC 570
    • mumofthetwins
    • By mumofthetwins 6th Oct 17, 9:09 AM
    • 880 Posts
    • 3,815 Thanks
    mumofthetwins
    Forgot yesterdays PAD £43.73 yay
    hopefully another later today as ive got ebay finishing tonight .. whoop !
    This time I'm sticking with it !!
    Oct /£300 3NSD
    PAD
    June £3362.78 July £1803.88 Aug £1895 Oct £483.77
    • TheMsTeal
    • By TheMsTeal 6th Oct 17, 9:21 AM
    • 151 Posts
    • 586 Thanks
    TheMsTeal
    £32.06 to cc please.
    Debt Free Day Target: November 2018

    £2 Savers Club 2017: no 41
    • erin_transport
    • By erin_transport 6th Oct 17, 2:27 PM
    • 342 Posts
    • 1,620 Thanks
    erin_transport
    Hi
    £22 to pension pot
    Thanks
    On a mission!
    • AdventureWanted
    • By AdventureWanted 6th Oct 17, 6:49 PM
    • 158 Posts
    • 575 Thanks
    AdventureWanted
    £3.86 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)
    • jet9cat
    • By jet9cat 6th Oct 17, 6:56 PM
    • 1,361 Posts
    • 10,152 Thanks
    jet9cat
    Well done to TheMsTeal on clearing a debt.


    Total cleared yesterday was £113.47
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • cufc_mike
    • By cufc_mike 6th Oct 17, 10:11 PM
    • 361 Posts
    • 1,943 Thanks
    cufc_mike
    £2 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 7th Oct 17, 6:01 AM
    • 1,820 Posts
    • 7,616 Thanks
    LittleMissDetermined
    Morning PADdingtons!

    My offering today is £50 regular payment 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 £4100/£7129...
    24 months of Debt-busting to go...
    • mandz1
    • By mandz1 7th Oct 17, 8:08 AM
    • 2,503 Posts
    • 10,888 Thanks
    mandz1
    £1.69 to cc1 please
    PAD Maker
    SPC 570
    • TheMsTeal
    • By TheMsTeal 7th Oct 17, 8:47 AM
    • 151 Posts
    • 586 Thanks
    TheMsTeal
    £6.20 to regular payment. Which clears that one completely!
    Debt Free Day Target: November 2018

    £2 Savers Club 2017: no 41
    • AdventureWanted
    • By AdventureWanted 7th Oct 17, 9:23 AM
    • 158 Posts
    • 575 Thanks
    AdventureWanted
    £4.40 PAD today. (£3.14 to CC1 & £1.26 mortgage overpayment).
    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)
    • ahall3519
    • By ahall3519 7th Oct 17, 9:39 AM
    • 188 Posts
    • 667 Thanks
    ahall3519
    Good morning everyone! Please put me down for £10 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 December 2017-£57.86=97% paid

    OH's Sainsbury's CC total-£1189.53 debt=£972.05=18% paid
    • jet9cat
    • By jet9cat 7th Oct 17, 5:04 PM
    • 1,361 Posts
    • 10,152 Thanks
    jet9cat
    Total paid off for 6 October was a solid




    £131.07
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • jet9cat
    • By jet9cat 7th Oct 17, 5:05 PM
    • 1,361 Posts
    • 10,152 Thanks
    jet9cat
    Budget going OK for me so far this month so I've paid £10 off one of the balance cc
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • sashanut
    • By sashanut 7th Oct 17, 11:21 PM
    • 2,619 Posts
    • 24,394 Thanks
    sashanut
    Hi all

    Popping in to PAD - £279.75 to M&S cc please Jet - thankyou!!
    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
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