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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 147
    • Picklepot
    • By Picklepot 1st Dec 17, 2:17 PM
    • 288 Posts
    • 4,107 Thanks
    Picklepot
    70p
    rounding down accounts
    • erin_transport
    • By erin_transport 1st Dec 17, 5:44 PM
    • 343 Posts
    • 1,621 Thanks
    erin_transport
    Hi
    £50 to cc1
    £50 to cc2
    £60 to pension pot.
    £160 total for me today
    On a mission!
    • cufc_mike
    • By cufc_mike 1st Dec 17, 11:57 PM
    • 363 Posts
    • 1,947 Thanks
    cufc_mike
    £11.02 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)
    • TheMsTeal
    • By TheMsTeal 2nd Dec 17, 7:22 AM
    • 151 Posts
    • 586 Thanks
    TheMsTeal
    Token £1 to cc. Thanks.
    Debt Free Day Target: November 2018

    £2 Savers Club 2017: no 41
    • jet9cat
    • By jet9cat 2nd Dec 17, 8:25 AM
    • 1,363 Posts
    • 10,158 Thanks
    jet9cat
    Great total for November everyone.




    £5 off cc1 for me today please
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • LittleMissDetermined
    • By LittleMissDetermined 2nd Dec 17, 8:33 AM
    • 1,821 Posts
    • 7,619 Thanks
    LittleMissDetermined
    Helllooooo

    £350 from 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 £1285/£1000 ... 3-6Mth Wages Challenge #4 £4100/£7129...
    24 months of Debt-busting to go...
    • mandz1
    • By mandz1 2nd Dec 17, 3:15 PM
    • 2,503 Posts
    • 10,888 Thanks
    mandz1
    Hello everyone quick payment to Very of £3.47
    PAD Maker
    SPC 570
    • erin_transport
    • By erin_transport 2nd Dec 17, 8:27 PM
    • 343 Posts
    • 1,621 Thanks
    erin_transport
    Hi
    £220 to pension pot today.
    Thanks
    On a mission!
    • cufc_mike
    • By cufc_mike 2nd Dec 17, 10:19 PM
    • 363 Posts
    • 1,947 Thanks
    cufc_mike
    £37.28 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)
    • LittleMissDetermined
    • By LittleMissDetermined 3rd Dec 17, 8:59 AM
    • 1,821 Posts
    • 7,619 Thanks
    LittleMissDetermined
    Just a little bank round down to the credit card for me today please £2.87

    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...
    • jet9cat
    • By jet9cat 3rd Dec 17, 9:22 AM
    • 1,363 Posts
    • 10,158 Thanks
    jet9cat
    Just the usual payday £30 to the EF for me.
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • jet9cat
    • By jet9cat 3rd Dec 17, 9:32 AM
    • 1,363 Posts
    • 10,158 Thanks
    jet9cat
    I see we don't have a volunteer for counting up this month so I hope no-one minds but I've totalled the last couple of days and


    1st December total £326.25


    2nd December total £616.75
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • TheMsTeal
    • By TheMsTeal 3rd Dec 17, 10:10 AM
    • 151 Posts
    • 586 Thanks
    TheMsTeal
    Morning All! £101 to regular payment.
    Last edited by TheMsTeal; 03-12-2017 at 6:46 PM. Reason: mistake
    Debt Free Day Target: November 2018

    £2 Savers Club 2017: no 41
    • LittleMissDetermined
    • By LittleMissDetermined 3rd Dec 17, 10:26 AM
    • 1,821 Posts
    • 7,619 Thanks
    LittleMissDetermined
    I see we don't have a volunteer for counting up this month so I hope no-one minds but I've totalled the last couple of days and


    1st December total £326.25


    2nd December total £616.75
    Originally posted by jet9cat
    Thanks jet - Iím away at the moment but was going to do the same when I get back on Monday if we hadnít got a counter-upper 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...
    • erin_transport
    • By erin_transport 3rd Dec 17, 10:57 AM
    • 343 Posts
    • 1,621 Thanks
    erin_transport
    Morning
    £50 to cc
    £10 to mortgage over payment
    £15 to online savings
    £75 total for me today
    Last edited by erin_transport; 04-12-2017 at 2:20 PM.
    On a mission!
    • kirtsypoos
    • By kirtsypoos 3rd Dec 17, 7:45 PM
    • 3,088 Posts
    • 13,766 Thanks
    kirtsypoos
    Evening all!

    £97.79 for me today to mortgage OP please.

    I can't count up this month as am away on and off over the next few weeks but thanks jet
    £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
    • cufc_mike
    • By cufc_mike 3rd Dec 17, 10:35 PM
    • 363 Posts
    • 1,947 Thanks
    cufc_mike
    £30.29 mortgage overpayment today

    Thanks Jet
    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 3rd Dec 17, 11:44 PM
    • 2,619 Posts
    • 24,394 Thanks
    sashanut
    Hi all

    Popping in to PAD - £38.20 pmt to M&S cc - plz Jet - 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
    • Picklepot
    • By Picklepot 4th Dec 17, 8:22 AM
    • 288 Posts
    • 4,107 Thanks
    Picklepot
    88p
    Bank round down for me today please
    • TheMsTeal
    • By TheMsTeal 4th Dec 17, 9:36 AM
    • 151 Posts
    • 586 Thanks
    TheMsTeal
    £28.87 to cc please.
    Debt Free Day Target: November 2018

    £2 Savers Club 2017: no 41
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