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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 3,102Posts
    • 13,800Thanks
    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.
    150/3000 OH BC(95% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: 150/31010.23 (99.51% paid)
    Mortgage - 160,500.00 (2017 O/P 2475.46) PAYDBX 17 #006 - 18,079.25/14,539.71
Page 121
    • TheMsTeal
    • By TheMsTeal 10th Oct 17, 7:54 AM
    • 157 Posts
    • 610 Thanks
    TheMsTeal
    Morning! Token 20p to cc.
    Debt Free Day Target: November 2018

    2 Savers Club 2017: no 41
    • AdventureWanted
    • By AdventureWanted 10th Oct 17, 9:16 AM
    • 171 Posts
    • 600 Thanks
    AdventureWanted
    1.66 to CC1 today. Thanks.
    • erin_transport
    • By erin_transport 10th Oct 17, 1:46 PM
    • 349 Posts
    • 1,636 Thanks
    erin_transport
    Hi
    Welcome Cazzell

    Just a bank tidy up of 5 to online savings for me today.
    Thanks
    On a mission!
    • Cazzell
    • By Cazzell 10th Oct 17, 4:59 PM
    • 47 Posts
    • 313 Thanks
    Cazzell
    Todays PAD 45.00 to CC2.
    Proud to be dealing with my debts
    Snowball amount 25548.54
    PAD Challenge 959.84 (Oct - Dec 2017)
    1% Challenge so far 11%(Oct - Dec 2017)
    • Sassers
    • By Sassers 10th Oct 17, 5:10 PM
    • 1,242 Posts
    • 8,077 Thanks
    Sassers
    Hi all - hope you're well :-)
    100 for me today please
    I have flu and feeling really sorry for myself, just updated my total and thinking 'when will it b***y end?'.
    I'm about to launch an ad campaign for my company which has lots of beaches, festivals, new tattoos, new cars etc - all I keep thinking about was I want to sit on that beach.But I have to save up an emeregency fund first and savings to pay for my roof.
    Don't mind me, I'm just having a moan. I'm sure I'll feel better when this lurgy shifts...

    Have a lovely day and thanks for hearing me whine!
    love Sassers xx :-)
    Last edited by Sassers; 10-10-2017 at 5:15 PM.
    Current debt and mortgage: 33, 970
    Debt/Mortgage at start: 92,598 (27/09/2010)
    Paid off so far: 57,133
    • cufc_mike
    • By cufc_mike 10th Oct 17, 10:00 PM
    • 378 Posts
    • 1,985 Thanks
    cufc_mike
    12.18 off my cc today

    I'm going to be rich once my debts are paid off! Won't know what to do with my money haha!
    Make 300 December Challenge: 375.66 / 300 (2,526.99 since Aug '17) | PAD'ing since August 2017: 1,791.11
    Mortgage Overpayments: 436.59 | 253.62 Interest Saved
    Mortgage End Date: Was 01/06/2033 -> Now: 01/03/2033 (reduced by 3 months by PAD'ing)
    • sashanut
    • By sashanut 10th Oct 17, 11:49 PM
    • 2,619 Posts
    • 24,394 Thanks
    sashanut
    Hi all

    Popping in to PAD - 16.15 to M&S cc please Jet - thankyou!

    Sassers just look at your debt reduction in your signature...hope you feel better soon!
    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 11th Oct 17, 6:02 AM
    • 1,824 Posts
    • 7,634 Thanks
    LittleMissDetermined
    Good morning all

    Mid-week already . 27.70 regular payment 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 11th Oct 17, 9:17 AM
    • 157 Posts
    • 610 Thanks
    TheMsTeal
    Morning! Just a little 20p to cc. Thanks.
    Debt Free Day Target: November 2018

    2 Savers Club 2017: no 41
    • AdventureWanted
    • By AdventureWanted 11th Oct 17, 10:44 AM
    • 171 Posts
    • 600 Thanks
    AdventureWanted
    3.34 paid to CC1 today.
    LBM Aug 2017. DFD - May 2021 / Dec 2021
    CC1 - 955.00 / 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 - 2,597.77 (since 13/9/17)
    • Cazzell
    • By Cazzell 11th Oct 17, 4:02 PM
    • 47 Posts
    • 313 Thanks
    Cazzell
    PAD today 49p to CC2.
    Proud to be dealing with my debts
    Snowball amount 25548.54
    PAD Challenge 959.84 (Oct - Dec 2017)
    1% Challenge so far 11%(Oct - Dec 2017)
    • jet9cat
    • By jet9cat 11th Oct 17, 7:12 PM
    • 1,371 Posts
    • 10,196 Thanks
    jet9cat
    Sorry you're feeling a bit fed up with things Sassers, especially if you're not well it can feel like you're getting nowhere but you have made so much progress already. Keep your chin up and feel better soon.


    Total for Tuesday 10th October was a move in the right direction of 205.19 so even though it feels hard sometimes and like walking through treacle, we are getting there and at least we're trying to take positive action rather than head in sand. And I think progress towards our goals doesn't come in a steady upward curve but in fits in starts - I had a good month in September with several survey payouts etc making me feel like I'd made real progress but then it's all slowed up again this month. At least when I come on here I feel I'm with like-minded people all trying their best.
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • jet9cat
    • By jet9cat 11th Oct 17, 7:14 PM
    • 1,371 Posts
    • 10,196 Thanks
    jet9cat
    And my own little contribution today is 10.30 off the cc
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • erin_transport
    • By erin_transport 11th Oct 17, 7:49 PM
    • 349 Posts
    • 1,636 Thanks
    erin_transport
    Evening all
    My contribution is 20 to mortgage over payment today
    Thanks
    On a mission!
    • sashanut
    • By sashanut 11th Oct 17, 11:51 PM
    • 2,619 Posts
    • 24,394 Thanks
    sashanut
    Hi all

    Popping in to PAD - 38.20 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
    • cufc_mike
    • By cufc_mike 12th Oct 17, 12:00 AM
    • 378 Posts
    • 1,985 Thanks
    cufc_mike
    5 off my cc today
    Make 300 December Challenge: 375.66 / 300 (2,526.99 since Aug '17) | PAD'ing since August 2017: 1,791.11
    Mortgage Overpayments: 436.59 | 253.62 Interest Saved
    Mortgage End Date: Was 01/06/2033 -> Now: 01/03/2033 (reduced by 3 months by PAD'ing)
    • LittleMissDetermined
    • By LittleMissDetermined 12th Oct 17, 5:55 AM
    • 1,824 Posts
    • 7,634 Thanks
    LittleMissDetermined
    Bank round down to the credit card for me today please 2.42

    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...
    • AdventureWanted
    • By AdventureWanted 12th Oct 17, 7:44 AM
    • 171 Posts
    • 600 Thanks
    AdventureWanted
    3.67 paid today. (1.67 to CC2 & 2 to CC1).
    LBM Aug 2017. DFD - May 2021 / Dec 2021
    CC1 - 955.00 / 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 - 2,597.77 (since 13/9/17)
    • TheMsTeal
    • By TheMsTeal 12th Oct 17, 7:55 AM
    • 157 Posts
    • 610 Thanks
    TheMsTeal
    Morning All!
    61p to cc please.
    Debt Free Day Target: November 2018

    2 Savers Club 2017: no 41
    • erin_transport
    • By erin_transport 12th Oct 17, 2:55 PM
    • 349 Posts
    • 1,636 Thanks
    erin_transport
    Hi
    8.00 to cc
    On a mission!
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