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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 3,208Posts
    • 14,229Thanks
    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 167
    • erin_transport
    • By erin_transport 7th Jan 18, 7:31 PM
    • 394 Posts
    • 1,821 Thanks
    erin_transport
    Hi
    £40 to isa this evening
    On a mission!

    2018 MFW #138 O/P £128.50 & £140 & £125 of £6000
    • cufc_mike
    • By cufc_mike 7th Jan 18, 8:44 PM
    • 432 Posts
    • 2,311 Thanks
    cufc_mike
    £36.72 mortgage overpayment for me today please
    Make £775 January Challenge: £655.95 / £775 (£3,632.80 since Aug '17)
    Mortgage Overpayments: £1,122.55 | £639.17 Interest Saved
    Mortgage End Date: Was 01/06/2033 -> Now: 01/10/2032 (reduced by 8 months by PAD'ing)
    • kirtsypoos
    • By kirtsypoos 7th Jan 18, 10:23 PM
    • 3,208 Posts
    • 14,229 Thanks
    kirtsypoos
    Evening all!

    £25 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 - £159,900.00 (2017/2018 O/P £2877.06) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £991.66/£4000
    • sashanut
    • By sashanut 8th Jan 18, 12:02 AM
    • 2,651 Posts
    • 24,747 Thanks
    sashanut
    Hi all

    Popping in to PAD £6.50 - pmt to cc - tks LMD PS PAD is for 7th 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
    • A Random Man
    • By A Random Man 8th Jan 18, 12:16 AM
    • 129 Posts
    • 643 Thanks
    A Random Man
    £16.60 payment to credit card 1 yesterday
    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
    • LittleMissDetermined
    • By LittleMissDetermined 8th Jan 18, 7:24 AM
    • 1,892 Posts
    • 7,953 Thanks
    LittleMissDetermined
    A fabulous day with a total for Sunday 7th January of

    £761.77

    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 8th Jan 18, 7:26 AM
    • 1,892 Posts
    • 7,953 Thanks
    LittleMissDetermined
    Back with my own PAD of £138.86 to various places

    Have a happy Monday

    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...
    • trickster76
    • By trickster76 8th Jan 18, 7:50 AM
    • 30 Posts
    • 126 Thanks
    trickster76
    £9.25 to CC3

    • AdventureWanted
    • By AdventureWanted 8th Jan 18, 8:06 AM
    • 265 Posts
    • 817 Thanks
    AdventureWanted
    £137 paid today (£130 to cc4 & £7 to CC2)
    • TheMsTeal
    • By TheMsTeal 8th Jan 18, 8:54 AM
    • 184 Posts
    • 722 Thanks
    TheMsTeal
    Morning All! £5 to regular payment.
    Debt Free Day Target: November 2018

    £2 Savers Club 2017: no 41
    • sunshine81
    • By sunshine81 8th Jan 18, 12:46 PM
    • 820 Posts
    • 4,585 Thanks
    sunshine81
    Afternoon! Being a bit more precarious now, £20 today x
    • kirtsypoos
    • By kirtsypoos 8th Jan 18, 12:58 PM
    • 3,208 Posts
    • 14,229 Thanks
    kirtsypoos
    Afternoon all!

    £75 thanks to OHs CC DD coming out this morning
    Last edited by kirtsypoos; 08-01-2018 at 12:59 PM. Reason: Wrong thread!!!
    £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
    • taskey
    • By taskey 8th Jan 18, 1:29 PM
    • 132 Posts
    • 339 Thanks
    taskey
    Sorry. Couldn’t post yesterday

    £2.50 argos
    £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
    • Picklepot
    • By Picklepot 8th Jan 18, 3:03 PM
    • 302 Posts
    • 4,192 Thanks
    Picklepot
    45p
    bank round down for me today please
    • RhiBi
    • By RhiBi 8th Jan 18, 4:32 PM
    • 283 Posts
    • 1,046 Thanks
    RhiBi
    My usual £2 to Next again!
    Virtual Sealed Pot 2018 #7 £31.35/£250 Bring lunch to work 10/18 NSD 05/15
    • mumofthetwins
    • By mumofthetwins 8th Jan 18, 7:38 PM
    • 891 Posts
    • 3,872 Thanks
    mumofthetwins
    Hi guys .. is it ok if I join the challenge again ? .. last year I was flying with this thread and I really need to get a grip on it again 😉

    Thanks a million
    Lisa
    This time I'm sticking with it !!
    Jan £3.40/£300 2/10 NSD
    PAD
    Jan £374
    • _MrsB
    • By _MrsB 8th Jan 18, 9:05 PM
    • 7 Posts
    • 27 Thanks
    _MrsB
    PAD of £7.25 today - new balance is £7,146.75.
    Original Debt =£7392.41 on 1 cc

    #Goals #DebtFree #FinancialFreedom
    • erin_transport
    • By erin_transport 8th Jan 18, 9:22 PM
    • 394 Posts
    • 1,821 Thanks
    erin_transport
    Evening
    £8 to cc
    £8 to online savings
    £16 total for me today
    On a mission!

    2018 MFW #138 O/P £128.50 & £140 & £125 of £6000
    • A Random Man
    • By A Random Man 8th Jan 18, 10:30 PM
    • 129 Posts
    • 643 Thanks
    A Random Man
    Hi everyone made a pad today of £563.81 to clear my first credit card
    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
    • TheMsTeal
    • By TheMsTeal 9th Jan 18, 7:45 AM
    • 184 Posts
    • 722 Thanks
    TheMsTeal
    Morning All! £5 to regular payment.
    Debt Free Day Target: November 2018

    £2 Savers Club 2017: no 41
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