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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 3,186Posts
    • 14,158Thanks
    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

    December 2017
    £11018.76

    Total for 2017
    £157,522.69
    Last edited by kirtsypoos; 01-01-2018 at 4:20 PM.
    £70/3000 OH BC(97.66% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £70/31010.23 (99.77% paid)
    Mortgage - £159,999.99 (2017/2018 O/P £2777.07) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £684.91/£4000
Page 164
    • A Random Man
    • By A Random Man 3rd Jan 18, 9:48 PM
    • 125 Posts
    • 630 Thanks
    A Random Man
    Hi everyone i have made a payment of £5 towards my second credit card
    Credit card 1 £600/0 (100% Paid)|Credit Card 2 £4500/£1289.25 (71.35% Paid)|Loan £7500/7228.53(3.61% Paid)
    Payment A Day total: £10.00
    • Keedie
    • By Keedie 3rd Jan 18, 10:30 PM
    • 240 Posts
    • 1,000 Thanks
    Keedie
    Hi All,

    I fell down the rabbit hole of bad financial decisions in the last year, but I am back on track now. I don't have any spare cash whatsoever to PAD, but I'll keep reading posts to check in and keep me focussed until I am in a position to do so.

    Keep up the good work everyone,
    xx
    LBM 27/06/16 = £31,400.57 (7 creditors) BUT on 03/01/2018 = £15,969.52/£31,400.57 (6 creditors) = 50.86% repaid
    Aiming to be Debt Free = 31/12/2020
    • sashanut
    • By sashanut 3rd Jan 18, 11:41 PM
    • 2,643 Posts
    • 24,669 Thanks
    sashanut
    Hi all

    Popping in to PAD a rather more modest pad of £10.00 5 x £2 coins into VW campervan moneybox tks LMD
    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 4th Jan 18, 5:52 AM
    • 1,402 Posts
    • 10,358 Thanks
    jet9cat
    Won £5 on freepostcodelottery.com so paid off the balance cc
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • LittleMissDetermined
    • By LittleMissDetermined 4th Jan 18, 6:16 AM
    • 1,877 Posts
    • 7,876 Thanks
    LittleMissDetermined
    A not too shabby day with a total for Wedesday 3rd January of

    £570.13

    Well done everyone!
    Target Debt Free Day 27th Jun 2019
    Life gets in the way...PADding is addictive... Saving's better than spending...

    £1000 EF Challenge #142 £1000/£1000 ... 3-6Mth Wages Challenge #4 £4900/£7129...
    24 months of Debt-busting to go...
    • LittleMissDetermined
    • By LittleMissDetermined 4th Jan 18, 6:17 AM
    • 1,877 Posts
    • 7,876 Thanks
    LittleMissDetermined
    Back with my own PAD of £39.27

    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 £1000/£1000 ... 3-6Mth Wages Challenge #4 £4900/£7129...
    24 months of Debt-busting to go...
    • dreamingofmoney
    • By dreamingofmoney 4th Jan 18, 8:11 AM
    • 374 Posts
    • 4,587 Thanks
    dreamingofmoney
    Morning all
    Just a little bank tidy of £1.82 to the savings. That may be all for a couple of days.
    Take care xx
    Paying back 1% at a time 44.4%of total debt paid off.
    No. 82 PAYDBX18 £592.60/£9547of debt paid from this years goal this equals 6.2%
    1st debt padding towards B'card £492/£615.18. Padding total £804.82. 1 debt v 100 days 28 £342/£1680.28
    5 debts to tackle, doing it one at a time. Original debt free date Jan 2020. New date Jan 2021 boohoo
    • erin_transport
    • By erin_transport 4th Jan 18, 9:35 AM
    • 387 Posts
    • 1,788 Thanks
    erin_transport
    Morning
    £5 to savings
    £10 to cc
    £5 to ctf
    £20 total for me today
    On a mission!

    2018 MFW #138 O/P £128.50 & £140 & £125 of £6000
    • mandz1
    • By mandz1 4th Jan 18, 9:38 AM
    • 2,514 Posts
    • 10,933 Thanks
    mandz1
    £4.97 to cc1 please
    PAD Maker
    SPC 570
    • trickster76
    • By trickster76 4th Jan 18, 10:03 AM
    • 27 Posts
    • 116 Thanks
    trickster76
    £3.47 to CC2

    • RhiBi
    • By RhiBi 4th Jan 18, 10:31 AM
    • 277 Posts
    • 1,014 Thanks
    RhiBi
    Another £2 to Next for me, plus I returned an item (Christmas pjs that arrived after Christmas!!) crediting my account with another £16
    Virtual Sealed Pot 2018 #7 £21.90/£250 Bring lunch to work 05/18 NSD 05/15
    • taskey
    • By taskey 4th Jan 18, 10:31 AM
    • 129 Posts
    • 327 Thanks
    taskey
    £2.09 to argos please


    am also doing £1 a day towards xmas 2018 so building that up nicely too
    £1 a day for Xmas 2018 #9 £40/£365 9/1/18 | £2 savers club #11 £24| £50p's #4 £13.50 | Jan take lunch to work #18 6/15
    JAN 18 £12,063.03
    DEC 17 £12,390.56
    • TheMsTeal
    • By TheMsTeal 4th Jan 18, 12:01 PM
    • 178 Posts
    • 695 Thanks
    TheMsTeal
    Afternoon All! Just returned from an internet free zone hence no posts for a while! Here's a regular payment of £101 to make up for it.
    Happy New Year!
    Debt Free Day Target: November 2018

    £2 Savers Club 2017: no 41
    • kirtsypoos
    • By kirtsypoos 4th Jan 18, 2:02 PM
    • 3,186 Posts
    • 14,158 Thanks
    kirtsypoos
    Afternoon all!

    £92 to our NZ CC for me today please
    £70/3000 OH BC(97.66% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £70/31010.23 (99.77% paid)
    Mortgage - £159,999.99 (2017/2018 O/P £2777.07) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £684.91/£4000
    • sunshine81
    • By sunshine81 4th Jan 18, 2:03 PM
    • 809 Posts
    • 4,539 Thanks
    sunshine81
    This probably won't happen again, but been able to pay off £1115.46 today!
    • Iheart
    • By Iheart 4th Jan 18, 7:20 PM
    • 103 Posts
    • 662 Thanks
    Iheart
    That's a great PAD Sunshine

    £5.44 courtesy of TCB for me today please
    SPC11 #33
    2018 - The year to slay the loan £487.56/£4947.40
    • ahall3519
    • By ahall3519 4th Jan 18, 8:12 PM
    • 200 Posts
    • 704 Thanks
    ahall3519
    Thanks Kirstypoos for the advice.

    Good evening everyone! Please put me down for £10 to the OH's CC. Hope everyone is well!
    CC Debt 1 as of Apr 2016-£1008.07 As of 30th January 2017=100% paid

    CC Debt 2 as of Jan 2017-£1757.96 As of 2nd Jan 2018-100% paid

    OH's Sainsbury's CC total-£1189.53 debt=£868.43=27% paid
    • A Random Man
    • By A Random Man 4th Jan 18, 10:12 PM
    • 125 Posts
    • 630 Thanks
    A Random Man
    £7.76 overpayment towards credit card 2, mine was cashback from quidco
    Credit card 1 £600/0 (100% Paid)|Credit Card 2 £4500/£1289.25 (71.35% Paid)|Loan £7500/7228.53(3.61% Paid)
    Payment A Day total: £10.00
    • Mum.Wife.Me
    • By Mum.Wife.Me 4th Jan 18, 10:16 PM
    • 17 Posts
    • 46 Thanks
    Mum.Wife.Me
    £46.89 off Very tonight
    VERY 54.87/1124.88
    CC1 0/5698.96
    CC2 0/4000(TBC)
    LOAN 0/14240.00
    • sashanut
    • By sashanut 4th Jan 18, 11:30 PM
    • 2,643 Posts
    • 24,669 Thanks
    sashanut
    Hi all

    Popping in to PAD £49.00 - refund to cc - tks LMD
    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
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