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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 3,088Posts
    • 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 146
    • jet9cat
    • By jet9cat 29th Nov 17, 6:30 PM
    • 1,363 Posts
    • 10,158 Thanks
    jet9cat
    Pay day tomorrow so swept the remaining current account balance of £20 into balance cc2.
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • ahall3519
    • By ahall3519 29th Nov 17, 8:30 PM
    • 189 Posts
    • 671 Thanks
    ahall3519
    Good evening everyone! Hope everyone is well! Please put me down for £75 to the OH's CC. Thanks! A big jump from 8% to 14% paid! Woo hoo!
    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-£55.36=97% paid

    OH's Sainsbury's CC total-£1189.53 debt=£969.55=18% paid
    • cufc_mike
    • By cufc_mike 29th Nov 17, 8:56 PM
    • 363 Posts
    • 1,947 Thanks
    cufc_mike
    The total payments for Tuesday 28th November:
    £532.27



    CURRENT NOVEMBER TOTAL:
    £11,457.18

    Make £300 December Challenge: £258.70 / £300 (£2,410.30 since Aug '17) | PAD'ing since August 2017: £1,674.42
    Mortgage Overpayments: £319.90 | £186.44 Interest Saved
    Mortgage End Date: Was 01/06/2033 -> Now: 01/04/2033 (reduced by 2 months by PAD'ing)
    • AdventureWanted
    • By AdventureWanted 29th Nov 17, 9:30 PM
    • 158 Posts
    • 579 Thanks
    AdventureWanted
    £325 paid to CC1 today.
    • cufc_mike
    • By cufc_mike 29th Nov 17, 10:38 PM
    • 363 Posts
    • 1,947 Thanks
    cufc_mike
    £25.94 today, into my mortgage overpayments pot.
    Make £300 December Challenge: £258.70 / £300 (£2,410.30 since Aug '17) | PAD'ing since August 2017: £1,674.42
    Mortgage Overpayments: £319.90 | £186.44 Interest Saved
    Mortgage End Date: Was 01/06/2033 -> Now: 01/04/2033 (reduced by 2 months by PAD'ing)
    • sashanut
    • By sashanut 29th Nov 17, 11:39 PM
    • 2,619 Posts
    • 24,394 Thanks
    sashanut
    Hi all

    Popping in to PAD - £7.96 pmt to M&S cc - plz cufc_mike - tkyou!!
    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 30th Nov 17, 12:08 AM
    • 363 Posts
    • 1,947 Thanks
    cufc_mike
    The total payments for Wednesday 29th November:
    £734.83



    CURRENT NOVEMBER TOTAL:
    £12,192.01

    Make £300 December Challenge: £258.70 / £300 (£2,410.30 since Aug '17) | PAD'ing since August 2017: £1,674.42
    Mortgage Overpayments: £319.90 | £186.44 Interest Saved
    Mortgage End Date: Was 01/06/2033 -> Now: 01/04/2033 (reduced by 2 months by PAD'ing)
    • LittleMissDetermined
    • By LittleMissDetermined 30th Nov 17, 6:34 AM
    • 1,821 Posts
    • 7,619 Thanks
    LittleMissDetermined
    Urgh... surprise utility bill this morning from readings yesterday £184.74 which kind of wipes out the saving I made yesterday somewhat! Merry Christmas

    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 30th Nov 17, 6:35 AM
    • 2,503 Posts
    • 10,888 Thanks
    mandz1
    £3.17 to Very please
    PAD Maker
    SPC 570
    • Cazzell
    • By Cazzell 30th Nov 17, 7:48 AM
    • 45 Posts
    • 307 Thanks
    Cazzell
    Todays PAD includes a refund from utility company. £670.43 to CC2 please
    Proud to be dealing with my debts
    Snowball amount £25548.54
    PAD Challenge £956.15(Oct - Dec 2017)
    1% Challenge so far 11%(Oct - Dec 2017)
    • TheMsTeal
    • By TheMsTeal 30th Nov 17, 8:23 AM
    • 151 Posts
    • 586 Thanks
    TheMsTeal
    Loose change: 30p to cc.
    Debt Free Day Target: November 2018

    £2 Savers Club 2017: no 41
    • beach-holiday
    • By beach-holiday 30th Nov 17, 9:24 AM
    • 135 Posts
    • 468 Thanks
    beach-holiday
    Hi There

    I've been away from here for a long time, but want to come back pleeeze!

    This morning I've made a start and paid the remaining balance on one of my ccs, so my PAD today is £18.02

    thank you

    beach-holiday
    #014 SPC10 2017 - £500 target
    1% Challenge - 4% paid (start: £3858; now £3698)

    • Picklepot
    • By Picklepot 30th Nov 17, 1:44 PM
    • 288 Posts
    • 4,107 Thanks
    Picklepot
    70p

    round down of account
    • AdventureWanted
    • By AdventureWanted 30th Nov 17, 4:08 PM
    • 158 Posts
    • 579 Thanks
    AdventureWanted
    £130 paid to CC4 today.
    • IWILLgetthere
    • By IWILLgetthere 30th Nov 17, 5:38 PM
    • 61 Posts
    • 278 Thanks
    IWILLgetthere
    Good evening everyone
    Sorry I've not been on here for a while - had things on my mind and taken my eye off the ball recently
    Please put me down for £120 re-paid to a very patient friend who lent me money AGES ago!
    • sashanut
    • By sashanut 30th Nov 17, 11:32 PM
    • 2,619 Posts
    • 24,394 Thanks
    sashanut
    Hi all

    Popping in to PAD - £1639.97 pmt to M&S cc - plz cufc_mike - tkyou!!
    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 30th Nov 17, 11:45 PM
    • 363 Posts
    • 1,947 Thanks
    cufc_mike
    £20.04 mortgage overpayment today
    Make £300 December Challenge: £258.70 / £300 (£2,410.30 since Aug '17) | PAD'ing since August 2017: £1,674.42
    Mortgage Overpayments: £319.90 | £186.44 Interest Saved
    Mortgage End Date: Was 01/06/2033 -> Now: 01/04/2033 (reduced by 2 months by PAD'ing)
    • cufc_mike
    • By cufc_mike 1st Dec 17, 12:11 AM
    • 363 Posts
    • 1,947 Thanks
    cufc_mike
    What an unbelievable end to the month! Seriously impressive!

    The total payments for Thursday 30th November:
    £2,787.37



    NOVEMBER TOTAL:
    £14,979.38


    So very nearly hit the £15,000 mark, but all in all, a fantastic month. Well done everybody.

    Would anybody like to volunteer to tot up the totals for December?
    Make £300 December Challenge: £258.70 / £300 (£2,410.30 since Aug '17) | PAD'ing since August 2017: £1,674.42
    Mortgage Overpayments: £319.90 | £186.44 Interest Saved
    Mortgage End Date: Was 01/06/2033 -> Now: 01/04/2033 (reduced by 2 months by PAD'ing)
    • TheMsTeal
    • By TheMsTeal 1st Dec 17, 6:14 AM
    • 151 Posts
    • 586 Thanks
    TheMsTeal
    Loose change: 30p to cc.
    Debt Free Day Target: November 2018

    £2 Savers Club 2017: no 41
    • LittleMissDetermined
    • By LittleMissDetermined 1st Dec 17, 8:36 AM
    • 1,821 Posts
    • 7,619 Thanks
    LittleMissDetermined
    Morning all!

    I’m away this weekend but as it’s the first of the month I have various payment to make totally a PAD of £154.23

    Many thanks

    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...
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