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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 3,208Posts
    • 14,231Thanks
    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 - £159,900.00 (2017/2018 O/P £2877.06) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £991.66/£4000
Page 166
    • LittleMissDetermined
    • By LittleMissDetermined 6th Jan 18, 8:56 AM
    • 1,892 Posts
    • 7,953 Thanks
    LittleMissDetermined
    Back with a bank round down to the credit card of £1.59

    Have a good day everyone!

    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...
    • sunshine81
    • By sunshine81 6th Jan 18, 10:19 AM
    • 820 Posts
    • 4,587 Thanks
    sunshine81
    £45 for me today x
    • erin_transport
    • By erin_transport 6th Jan 18, 10:37 AM
    • 394 Posts
    • 1,821 Thanks
    erin_transport
    Morning
    £18 to mortgage over payment
    £58 to cc
    £125 to mortgage over payment (MFW2018)
    £201 total today
    On a mission!

    2018 MFW #138 O/P £128.50 & £140 & £125 of £6000
    • taskey
    • By taskey 6th Jan 18, 11:01 AM
    • 132 Posts
    • 339 Thanks
    taskey
    £1.30 bank round down to argos

    Chippin’ away
    £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 14/15
    JAN 18 £12,063.03
    DEC 17 £12,390.56
    • RhiBi
    • By RhiBi 6th Jan 18, 11:03 AM
    • 283 Posts
    • 1,046 Thanks
    RhiBi
    Another £2 to Next for me.

    I was disappointed when I logged in to my account this morning as the interest had been added so I’m back over £1800 owing . Normally, I’d have thrown in the towel and wondered what the point was, but I’m plodding on and even paying £2 a day (plus my usual monthly payment) will take an extra £60 a month off and that’s got to help! I’m not beaten!!!
    Virtual Sealed Pot 2018 #7 £31.35/£250 Bring lunch to work 10/18 NSD 05/15
    • jet9cat
    • By jet9cat 6th Jan 18, 11:12 AM
    • 1,402 Posts
    • 10,361 Thanks
    jet9cat
    On a bit of a roll at the moment with another £5 paid off the balance cc today.
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • trickster76
    • By trickster76 6th Jan 18, 12:33 PM
    • 30 Posts
    • 126 Thanks
    trickster76
    £3.14 to CC2

    • dreamingofmoney
    • By dreamingofmoney 6th Jan 18, 4:30 PM
    • 377 Posts
    • 4,600 Thanks
    dreamingofmoney
    97p for me today. A little purse tidy into my tub
    Xx
    Paying back 1% at a time 47.3%of total debt paid off.
    No. 82 PAYDBX18 £988.68/£9547of debt paid from this years goal this equals 10.4%
    1st debt padding towards B'card £492/£615.18. Padding total £1181.77. 1 debt v 100 days 28 £633.11/£1680.28
    5 debts to tackle, doing it one at a time. Original debt free date Jan 2020. New date Jan 2021 boohoo
    • A Random Man
    • By A Random Man 6th Jan 18, 10:13 PM
    • 129 Posts
    • 643 Thanks
    A Random Man
    Evening everyone i made a payment of £8.33 towards credit card 2, hope everyone had a lovely Saturday
    Credit card 1 £600/0 (100% Paid)|Credit Card 2 £4500/£1284.25 (71.46% Paid)|Loan £7500/7223.53(3.68% Paid)
    Payment A Day total: £20.00
    • sashanut
    • By sashanut 7th Jan 18, 12:03 AM
    • 2,651 Posts
    • 24,747 Thanks
    sashanut
    Hi all

    Popping in to PAD £270.00 - refund to cc - tks LMD PS PAD is for 6th Jan..
    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
    • sunshine81
    • By sunshine81 7th Jan 18, 6:35 AM
    • 820 Posts
    • 4,587 Thanks
    sunshine81
    Early morning £40 PAD!
    • TheMsTeal
    • By TheMsTeal 7th Jan 18, 8:13 AM
    • 184 Posts
    • 723 Thanks
    TheMsTeal
    Morning! £5 to reg payment.
    Debt Free Day Target: November 2018

    £2 Savers Club 2017: no 41
    • AdventureWanted
    • By AdventureWanted 7th Jan 18, 8:22 AM
    • 265 Posts
    • 817 Thanks
    AdventureWanted
    £8 paid to CC2 today
    • LittleMissDetermined
    • By LittleMissDetermined 7th Jan 18, 8:40 AM
    • 1,892 Posts
    • 7,953 Thanks
    LittleMissDetermined
    Another great day with a total for Saturday 6th January of

    £498.27

    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 7th Jan 18, 9:11 AM
    • 1,892 Posts
    • 7,953 Thanks
    LittleMissDetermined
    Back with my own PAD of £1.82 purse change to the piglet bank

    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...
    • jet9cat
    • By jet9cat 7th Jan 18, 9:33 AM
    • 1,402 Posts
    • 10,361 Thanks
    jet9cat
    Payment of £460.80 today please
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • RhiBi
    • By RhiBi 7th Jan 18, 11:55 AM
    • 283 Posts
    • 1,046 Thanks
    RhiBi
    Another £2 for me please
    Virtual Sealed Pot 2018 #7 £31.35/£250 Bring lunch to work 10/18 NSD 05/15
    • Chappie77
    • By Chappie77 7th Jan 18, 3:25 PM
    • 136 Posts
    • 694 Thanks
    Chappie77
    Afternoon!

    I have managed to pay off £127.17 from my Very account this week. Here's to more like that!

    Chappie x
    Payment a Day 2018 Very £227.17/£1234.09 Saving for Xmas 2018 £55/£500 Virtual Sealed Pot 2018 £60/£700 PAYDBX2018 £450.48/£7268.47 £2 Savers Club 2018 £68
    • Mum.Wife.Me
    • By Mum.Wife.Me 7th Jan 18, 4:34 PM
    • 17 Posts
    • 46 Thanks
    Mum.Wife.Me
    £4.99 off Very today xx
    VERY 54.87/1124.88
    CC1 0/5698.96
    CC2 0/4000(TBC)
    LOAN 0/14240.00
    • trickster76
    • By trickster76 7th Jan 18, 7:00 PM
    • 30 Posts
    • 126 Thanks
    trickster76
    £2.57 to CC2

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