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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 3,045Posts
    • 13,518Thanks
    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 137
    • mandz1
    • By mandz1 10th Nov 17, 8:42 AM
    • 2,495 Posts
    • 10,850 Thanks
    mandz1
    Morning. £18.66 to cc1 today please
    PAD Maker
    SPC 570
    • TheMsTeal
    • By TheMsTeal 10th Nov 17, 9:29 AM
    • 131 Posts
    • 489 Thanks
    TheMsTeal
    Loose change: 64p to cc please.
    Debt Free Day Target: November 2018

    £2 Savers Club 2017: no 41
    • kirtsypoos
    • By kirtsypoos 10th Nov 17, 4:51 PM
    • 3,045 Posts
    • 13,518 Thanks
    kirtsypoos
    Afternoon all,

    £75 to OH BC for me 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
    • ahall3519
    • By ahall3519 10th Nov 17, 5:18 PM
    • 179 Posts
    • 632 Thanks
    ahall3519
    Good evening everyone! Please put me down for £8.50 to the usual debt two! Thanks!
    Barclaycard Debt as of April 2016-£1008.07 As of 30th January 2017=100% paid

    Lloyds Credit Card Debt number 2 as of January 2017-£1757.96 As of October 2017 statement-£111.86=94% paid

    OH's Sainsbury's CC total-£1189.53-total paid to date=£1116.27=6%
    • ahall3519
    • By ahall3519 10th Nov 17, 5:49 PM
    • 179 Posts
    • 632 Thanks
    ahall3519
    Me again! Please put me down for another £8.50 this time to the OH's Sainsbury's CC.

    Although still paying off my own debt two, I did say starting this month we will tackle the OH's CC also. Roll on when everything is paid!
    Barclaycard Debt as of April 2016-£1008.07 As of 30th January 2017=100% paid

    Lloyds Credit Card Debt number 2 as of January 2017-£1757.96 As of October 2017 statement-£111.86=94% paid

    OH's Sainsbury's CC total-£1189.53-total paid to date=£1116.27=6%
    • erin_transport
    • By erin_transport 10th Nov 17, 7:45 PM
    • 324 Posts
    • 1,535 Thanks
    erin_transport
    Evening padders!
    £10 to cc
    £10 to mortgage over payment
    £10 to savings
    £30 total. Thanks
    On a mission!
    • cufc_mike
    • By cufc_mike 10th Nov 17, 10:20 PM
    • 295 Posts
    • 1,604 Thanks
    cufc_mike
    £175.88 off my cc today
    Credit Card: 1st Aug 2017 --> £1,371.04 NOW --> £252.28 (81% of the way there!)
    Make a Payment a Day: £213.51 in Aug, £167.55 in Sep, £300.00 in Oct, £437.70 in Nov
    Make £400 November Challenge: £365.86 / £400 (£1,905.70 since Aug '17)
    • cufc_mike
    • By cufc_mike 11th Nov 17, 12:38 AM
    • 295 Posts
    • 1,604 Thanks
    cufc_mike
    The total payments for Friday 10th November:
    £325.05



    CURRENT NOVEMBER TOTAL:
    £4,901.67

    Credit Card: 1st Aug 2017 --> £1,371.04 NOW --> £252.28 (81% of the way there!)
    Make a Payment a Day: £213.51 in Aug, £167.55 in Sep, £300.00 in Oct, £437.70 in Nov
    Make £400 November Challenge: £365.86 / £400 (£1,905.70 since Aug '17)
    • TheMsTeal
    • By TheMsTeal 11th Nov 17, 7:46 AM
    • 131 Posts
    • 489 Thanks
    TheMsTeal
    Loose change: 26p to cc please.
    Debt Free Day Target: November 2018

    £2 Savers Club 2017: no 41
    • erin_transport
    • By erin_transport 11th Nov 17, 9:50 AM
    • 324 Posts
    • 1,535 Thanks
    erin_transport
    Morning
    £18 to mortgage over payment
    Thanks
    On a mission!
    • LittleMissDetermined
    • By LittleMissDetermined 11th Nov 17, 1:56 PM
    • 1,795 Posts
    • 7,505 Thanks
    LittleMissDetermined
    Just 30p to the piglet bank 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 £1100/£1000 ... 3-6Mth Wages Challenge #4 £3545.87/£7129...
    24 months of Debt-busting to go...
    • AdventureWanted
    • By AdventureWanted 11th Nov 17, 6:54 PM
    • 119 Posts
    • 454 Thanks
    AdventureWanted
    £3.60 paid to CC1 today.
    • cufc_mike
    • By cufc_mike 11th Nov 17, 10:18 PM
    • 295 Posts
    • 1,604 Thanks
    cufc_mike
    £1.90 bank round down off my cc today
    Credit Card: 1st Aug 2017 --> £1,371.04 NOW --> £252.28 (81% of the way there!)
    Make a Payment a Day: £213.51 in Aug, £167.55 in Sep, £300.00 in Oct, £437.70 in Nov
    Make £400 November Challenge: £365.86 / £400 (£1,905.70 since Aug '17)
    • cufc_mike
    • By cufc_mike 12th Nov 17, 1:08 AM
    • 295 Posts
    • 1,604 Thanks
    cufc_mike
    The total payments for Saturday 11th November:
    £24.06



    CURRENT NOVEMBER TOTAL:
    £4,925.73

    Credit Card: 1st Aug 2017 --> £1,371.04 NOW --> £252.28 (81% of the way there!)
    Make a Payment a Day: £213.51 in Aug, £167.55 in Sep, £300.00 in Oct, £437.70 in Nov
    Make £400 November Challenge: £365.86 / £400 (£1,905.70 since Aug '17)
    • LittleMissDetermined
    • By LittleMissDetermined 12th Nov 17, 7:06 AM
    • 1,795 Posts
    • 7,505 Thanks
    LittleMissDetermined
    Hi everyone...

    My offering today is £350 to 3-6 month fund

    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...
    • TheMsTeal
    • By TheMsTeal 12th Nov 17, 7:28 AM
    • 131 Posts
    • 489 Thanks
    TheMsTeal
    Morning! Token £1 to cc. Thanks.
    Last edited by TheMsTeal; 12-11-2017 at 7:33 AM. Reason: forgot highlight.
    Debt Free Day Target: November 2018

    £2 Savers Club 2017: no 41
    • erin_transport
    • By erin_transport 12th Nov 17, 9:51 AM
    • 324 Posts
    • 1,535 Thanks
    erin_transport
    Morning all
    £4 to cc1
    £6 to cc2
    £10 to online savings
    £20 total for me today
    On a mission!
    • jet9cat
    • By jet9cat 12th Nov 17, 10:03 AM
    • 1,342 Posts
    • 10,055 Thanks
    jet9cat
    Usual weekend review of finances has led to a payment of £200 to balance cc1
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • AdventureWanted
    • By AdventureWanted 12th Nov 17, 10:18 AM
    • 119 Posts
    • 454 Thanks
    AdventureWanted
    £123 paid of CC2 today.
    • JAMIEDODGER
    • By JAMIEDODGER 12th Nov 17, 11:31 AM
    • 4,117 Posts
    • 17,976 Thanks
    JAMIEDODGER
    £4.00 for me today thanks
    #185 12k in 2017 - £5450/£8000
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