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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 2,982Posts
    • 13,286Thanks
    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
    Last edited by kirtsypoos; 02-10-2017 at 12:41 PM.
    £450/3000 OH BC(85% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £450/31010.23 (98.54% paid)
    Mortgage - £161,950.00 (2017 O/P £1774.74) PAYDBX 17 #006 - £16241.98/14,539.71
Page 122
    • jet9cat
    • By jet9cat 12th Oct 17, 6:24 PM
    • 1,310 Posts
    • 9,825 Thanks
    jet9cat
    Total for Wednesday 11th October was




    £100.23
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • jet9cat
    • By jet9cat 12th Oct 17, 6:25 PM
    • 1,310 Posts
    • 9,825 Thanks
    jet9cat
    and my own payment today is £17
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • sashanut
    • By sashanut 12th Oct 17, 11:58 PM
    • 2,529 Posts
    • 23,670 Thanks
    sashanut
    Hi all

    Popping in to PAD - £61.37 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
    • Cazzell
    • By Cazzell 13th Oct 17, 6:14 AM
    • 24 Posts
    • 197 Thanks
    Cazzell
    Happy Friday. Today's PAD £5.00 to CC2
    Proud to be dealing with my debts
    Snowball amount £25548.54
    PAD Challenge £58.43 (Oct 2017)
    • LittleMissDetermined
    • By LittleMissDetermined 13th Oct 17, 6:33 AM
    • 1,769 Posts
    • 7,331 Thanks
    LittleMissDetermined
    Morning!

    Bank round down to the credit card for me today of £4.10
    Target Debt Free Day 27th Jun 2019
    Life gets in the way...PADding is addictive... Saving's better than spending...

    £1000 EF Challenge #142 £1100/£1000 ... 3-6Mth Wages Challenge #4 £3545.87/£7129...
    24 months of Debt-busting to go...
    • AdventureWanted
    • By AdventureWanted 13th Oct 17, 6:49 AM
    • 59 Posts
    • 239 Thanks
    AdventureWanted
    Morning all,
    £5 paid today (£3 to CC1 & £2 to EF).
    Hope you all have a great Friday.
    LBM Aug 2017.
    CC1 - £4,125.00 / £5,185 1/8/17. CC2 - £12,403.00 / £13,470 1/8/17. CC3 - £11.170.00 / £11,400 1/8/17

    1% challenge - 20%. PAD challenge - £496.70 (since 13/9/17)
    • TheMsTeal
    • By TheMsTeal 13th Oct 17, 8:19 AM
    • 94 Posts
    • 307 Thanks
    TheMsTeal
    1.74 to cc. Thanks.
    Debt Free Day Target: November 2018

    £2 Savers Club 2017: no 41
    • sashanut
    • By sashanut 13th Oct 17, 9:18 AM
    • 2,529 Posts
    • 23,670 Thanks
    sashanut
    Hi all

    Popping in to PAD - £12.80 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
    • jet9cat
    • By jet9cat 13th Oct 17, 9:40 PM
    • 1,310 Posts
    • 9,825 Thanks
    jet9cat
    Sorry for the late check in, nearly forgot!!


    Total for 12th October was £98.07
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • erin_transport
    • By erin_transport 13th Oct 17, 10:10 PM
    • 285 Posts
    • 1,358 Thanks
    erin_transport
    Evening
    £5.00 to mortgage over payment
    £5.00 to cc
    £5.00 to EF
    £5.00 to online savings
    £20 total. Thanks
    On a mission!
    • cufc_mike
    • By cufc_mike 13th Oct 17, 10:35 PM
    • 200 Posts
    • 1,039 Thanks
    cufc_mike
    £2.82 off my cc today
    Credit Card: 1st Aug 2017 --> £1,371.04 NOW --> £879.98
    Make a Payment a Day: £213.51 in Aug, £167.55 in Sep, £110.00 in Oct
    Make £300 October Challenge: £304.34 / £500 (£1,108.79 since Aug '17)
    • LittleMissDetermined
    • By LittleMissDetermined 14th Oct 17, 4:54 AM
    • 1,769 Posts
    • 7,331 Thanks
    LittleMissDetermined
    Just a £1.02 bank round down to the credit card 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 £1100/£1000 ... 3-6Mth Wages Challenge #4 £3545.87/£7129...
    24 months of Debt-busting to go...
    • Mummy_bear
    • By Mummy_bear 14th Oct 17, 7:33 AM
    • 234 Posts
    • 912 Thanks
    Mummy_bear
    Morning

    Been quiet. But still debt busting

    Yesterday I paid £171.13 towards the BC

    Will try another pad later
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) £37139.86
    £5400.86/£37139.86 14.54% paid
    Estimated DFD JUNE 2020 (calculated July 2017)
    Debt Free by Christmas Challenge
    Total cleared £3073.82/£9091.72 33.8% paid
    • Cazzell
    • By Cazzell 14th Oct 17, 7:52 AM
    • 24 Posts
    • 197 Thanks
    Cazzell
    Good morning Pad of 79p to CC2 please.
    Proud to be dealing with my debts
    Snowball amount £25548.54
    PAD Challenge £58.43 (Oct 2017)
    • TheMsTeal
    • By TheMsTeal 14th Oct 17, 8:12 AM
    • 94 Posts
    • 307 Thanks
    TheMsTeal
    Morning! Token 20p to cc please.
    Debt Free Day Target: November 2018

    £2 Savers Club 2017: no 41
    • AdventureWanted
    • By AdventureWanted 14th Oct 17, 4:32 PM
    • 59 Posts
    • 239 Thanks
    AdventureWanted
    £59.95 to CC1 today. Thanks.
    LBM Aug 2017.
    CC1 - £4,125.00 / £5,185 1/8/17. CC2 - £12,403.00 / £13,470 1/8/17. CC3 - £11.170.00 / £11,400 1/8/17

    1% challenge - 20%. PAD challenge - £496.70 (since 13/9/17)
    • cufc_mike
    • By cufc_mike 14th Oct 17, 8:01 PM
    • 200 Posts
    • 1,039 Thanks
    cufc_mike
    £2.18 bank round-down off my cc today
    Credit Card: 1st Aug 2017 --> £1,371.04 NOW --> £879.98
    Make a Payment a Day: £213.51 in Aug, £167.55 in Sep, £110.00 in Oct
    Make £300 October Challenge: £304.34 / £500 (£1,108.79 since Aug '17)
    • sashanut
    • By sashanut 14th Oct 17, 11:52 PM
    • 2,529 Posts
    • 23,670 Thanks
    sashanut
    Hi all

    Popping in to PAD - £500.00 to loan 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
    • Mummy_bear
    • By Mummy_bear 15th Oct 17, 9:11 AM
    • 234 Posts
    • 912 Thanks
    Mummy_bear
    Morning

    £6.16 to the BC today

    MB
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) £37139.86
    £5400.86/£37139.86 14.54% paid
    Estimated DFD JUNE 2020 (calculated July 2017)
    Debt Free by Christmas Challenge
    Total cleared £3073.82/£9091.72 33.8% paid
    • LittleMissDetermined
    • By LittleMissDetermined 15th Oct 17, 9:14 AM
    • 1,769 Posts
    • 7,331 Thanks
    LittleMissDetermined
    99p purse change to the piglet bank 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 £1100/£1000 ... 3-6Mth Wages Challenge #4 £3545.87/£7129...
    24 months of Debt-busting to go...
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