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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 3,192Posts
    • 14,174Thanks
    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 £734.91/£4000
Page 165
    • TheMsTeal
    • By TheMsTeal 5th Jan 18, 6:34 AM
    • 179 Posts
    • 699 Thanks
    TheMsTeal
    2.60 to cc please.
    Debt Free Day Target: November 2018

    £2 Savers Club 2017: no 41
    • mandz1
    • By mandz1 5th Jan 18, 6:47 AM
    • 2,514 Posts
    • 10,934 Thanks
    mandz1
    £20 to cc1 this morning please LMD
    PAD Maker
    SPC 570
    • LittleMissDetermined
    • By LittleMissDetermined 5th Jan 18, 7:57 AM
    • 1,879 Posts
    • 7,888 Thanks
    LittleMissDetermined
    A fantastic day with a total for Thursday 4th January of

    £1511.17

    Great PAD from Sunshine and 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 £5600/£7129...
    24 months of Debt-busting to go...
    • LittleMissDetermined
    • By LittleMissDetermined 5th Jan 18, 8:20 AM
    • 1,879 Posts
    • 7,888 Thanks
    LittleMissDetermined
    Back again with my own PAD - today it's just £2.06 bank round down to the credit card


    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 £5600/£7129...
    24 months of Debt-busting to go...
    • taskey
    • By taskey 5th Jan 18, 9:05 AM
    • 129 Posts
    • 327 Thanks
    taskey
    £1.51 to argos for me please


    thanks
    £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
    • erin_transport
    • By erin_transport 5th Jan 18, 10:12 AM
    • 387 Posts
    • 1,794 Thanks
    erin_transport
    Morning
    £10 to cc
    £10 to mortgage over payment
    £10 to online savings
    £18 to pension pot
    £48 total for me today
    On a mission!

    2018 MFW #138 O/P £128.50 & £140 & £125 of £6000
    • RhiBi
    • By RhiBi 5th Jan 18, 10:38 AM
    • 278 Posts
    • 1,020 Thanks
    RhiBi
    Another £2 to Next for me again!
    Virtual Sealed Pot 2018 #7 £21.90/£250 Bring lunch to work 05/18 NSD 05/15
    • sunshine81
    • By sunshine81 5th Jan 18, 10:52 AM
    • 809 Posts
    • 4,542 Thanks
    sunshine81
    Morning - £26.99 gone off the debt today.
    • dreamingofmoney
    • By dreamingofmoney 5th Jan 18, 12:38 PM
    • 374 Posts
    • 4,587 Thanks
    dreamingofmoney
    Afternoon all


    Today I have padded £78.77 to various little pots. apart from odd pence into my money tin cant imagine much being done over the weekend
    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
    • Picklepot
    • By Picklepot 5th Jan 18, 2:50 PM
    • 298 Posts
    • 4,174 Thanks
    Picklepot
    £1.00

    For me today please
    • squanderscouse
    • By squanderscouse 5th Jan 18, 4:01 PM
    • 74 Posts
    • 282 Thanks
    squanderscouse
    Hi all,

    £50 to cc today please
    Bank Loan 5000/PAID Barclaycard 2500/1841.34
    Overdraft 2000/Cleared MBNA Closed
    Littlewoods 1200/181.65

    Long time lurker - so grateful to MSE for helping me reduce my debt. January NSD 6/15
    Sealed pot challenge 11 #568
    • kirtsypoos
    • By kirtsypoos 5th Jan 18, 4:02 PM
    • 3,192 Posts
    • 14,174 Thanks
    kirtsypoos
    Afternoon all!

    £15 to 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 £734.91/£4000
    • Iheart
    • By Iheart 5th Jan 18, 5:11 PM
    • 104 Posts
    • 665 Thanks
    Iheart
    £96.03 to the loan please LMD.
    SPC11 #33
    2018 - The year to slay the loan £487.56/£4947.40
    • AdventureWanted
    • By AdventureWanted 5th Jan 18, 7:16 PM
    • 252 Posts
    • 778 Thanks
    AdventureWanted
    £25 paid to CC2 today. Thanks.
    • Mum.Wife.Me
    • By Mum.Wife.Me 5th Jan 18, 9:22 PM
    • 17 Posts
    • 46 Thanks
    Mum.Wife.Me
    £2,99 off Very today! xx
    VERY 54.87/1124.88
    CC1 0/5698.96
    CC2 0/4000(TBC)
    LOAN 0/14240.00
    • jet9cat
    • By jet9cat 5th Jan 18, 9:52 PM
    • 1,402 Posts
    • 10,361 Thanks
    jet9cat
    Another £15 to the cc today for me courtesy of a payout from Prolific
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • A Random Man
    • By A Random Man 5th Jan 18, 10:00 PM
    • 125 Posts
    • 631 Thanks
    A Random Man
    £9.95 payment to credit card 2 courtesy of 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
    • sashanut
    • By sashanut 5th Jan 18, 11:45 PM
    • 2,646 Posts
    • 24,693 Thanks
    sashanut
    Hi all

    Popping in to PAD £95.00 - 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
    • TheMsTeal
    • By TheMsTeal 6th Jan 18, 7:56 AM
    • 179 Posts
    • 699 Thanks
    TheMsTeal
    30.92 to cc.
    Debt Free Day Target: November 2018

    £2 Savers Club 2017: no 41
    • LittleMissDetermined
    • By LittleMissDetermined 6th Jan 18, 8:54 AM
    • 1,879 Posts
    • 7,888 Thanks
    LittleMissDetermined
    Another great day with a total for Friday 5th January of

    £491.90

    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 £5600/£7129...
    24 months of Debt-busting to go...
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