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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 3,211Posts
    • 14,243Thanks
    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 £1031.66/£4000
Page 168
    • LittleMissDetermined
    • By LittleMissDetermined 9th Jan 18, 8:06 AM
    • 1,895 Posts
    • 7,967 Thanks
    LittleMissDetermined
    A brilliant day with a total for Monday 8th January of

    £993.82

    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 9th Jan 18, 8:09 AM
    • 1,895 Posts
    • 7,967 Thanks
    LittleMissDetermined
    Back with my own pad of £1.10 bank round down to the credit card

    Good to see you back on the thread mumofthetwins - 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...
    • trickster76
    • By trickster76 9th Jan 18, 8:18 AM
    • 30 Posts
    • 128 Thanks
    trickster76
    £1.90 to CC2

    • AdventureWanted
    • By AdventureWanted 9th Jan 18, 8:24 AM
    • 271 Posts
    • 823 Thanks
    AdventureWanted
    £9 bank round down to CC2 today.
    • kirtsypoos
    • By kirtsypoos 9th Jan 18, 9:03 AM
    • 3,211 Posts
    • 14,243 Thanks
    kirtsypoos
    Morning all!

    £25 to CC 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 £1031.66/£4000
    • taskey
    • By taskey 9th Jan 18, 9:58 AM
    • 133 Posts
    • 343 Thanks
    taskey
    £2.80 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 14/15
    JAN 18 £12,063.03
    DEC 17 £12,390.56
    • Calling14
    • By Calling14 9th Jan 18, 12:09 PM
    • 2,558 Posts
    • 18,838 Thanks
    Calling14
    I will join in with this again as did nearly kill off my debts last year.

    £200 for me today £100each to 2 different cc.

    Now one cc less now Yeah
    3 more to go
    LBM 13039 1.1.13 Start 2018 £5552 NOW £4678 EEK house repairs pushed it back up
    PAYDBX 2018 #16 874/£5552 DFD 12/18
    E
    Fund #9 £220/£1,000
    1 x 100 days challenge
    £709/£2000

    • Florence J
    • By Florence J 9th Jan 18, 12:11 PM
    • 1,857 Posts
    • 11,050 Thanks
    Florence J
    £3.15 to ISA

    £14 to OH Debt
    Sealed Pot Challenge 11 #553
    £1000 Emergency Fund Challenge #253
    Wombling free 2017 = £2195.92
    Pay off all your debts by Xmas 2017 #53 (£3168.45/£3000)
    November 2017 Credit Card Debt: £3980
    • erin_transport
    • By erin_transport 9th Jan 18, 12:40 PM
    • 396 Posts
    • 1,826 Thanks
    erin_transport
    Morning
    £10 to cc
    £10 to online savings
    £20 total
    Thanks
    On a mission!

    2018 MFW #138 O/P £128.50 & £140 & £125 of £6000
    • LightBulbMoment
    • By LightBulbMoment 9th Jan 18, 12:52 PM
    • 103 Posts
    • 589 Thanks
    LightBulbMoment
    Hi Everybody, I am new to this challenge but have decided to join as I really need to get my cc paid off.

    I have rounded my bank account down today and have paid £1.50 off CC1.

    I hope I have done this right.

    Take care LBM
    • sunshine81
    • By sunshine81 9th Jan 18, 12:55 PM
    • 820 Posts
    • 4,594 Thanks
    sunshine81
    £25 today!!!!
    • dreamingofmoney
    • By dreamingofmoney 9th Jan 18, 1:04 PM
    • 377 Posts
    • 4,600 Thanks
    dreamingofmoney
    Hiya
    I have put £100 towards Christmas savings
    Thanks
    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
    • Picklepot
    • By Picklepot 9th Jan 18, 1:58 PM
    • 303 Posts
    • 4,216 Thanks
    Picklepot
    73p
    bank round down today please x.
    I am having to do tiddly payments until i can get another job. For anyone lurking who is overwhelmed and believing small amounts dont help, in just a couple of weeks i have eleven pounds overpayment towards CC number 1. At the moment i am just concentrating on this one its 0% and the smallest balance then i will start snowballing
    • ahall3519
    • By ahall3519 9th Jan 18, 9:05 PM
    • 205 Posts
    • 722 Thanks
    ahall3519
    Good evening everyone! Hope everyone is well!
    Please put me down for £6 to the OH's CC.

    Every extra payment made makes all the difference big or small! I fully agree. It just starts with making the effort!
    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=£826.43=31% paid
    • takingcontrolatlast
    • By takingcontrolatlast 9th Jan 18, 9:21 PM
    • 553 Posts
    • 2,117 Thanks
    takingcontrolatlast
    I think I may have been a previous padder but have not been posting for a while. I would like to join in again please?

    I am padding each day in a jar:

    1st Jan = 1p
    2nd Jan = 2p + 1p= 3p
    3rd Jan = 3p + 3p = 6p
    4th Jan = 4p + 6p = 10p
    5th Jan = 5p + 10p = 15p
    6th Jan = 6p + 15p = 21p
    7th Jan = 7p + 21p = 28p
    8th Jan = 8p + 28p = 36p
    9th Jan = 9p = 36p = 45p

    so that's my plan each day at the moment until pay day. I won't post each day but will do so each payday.

    Total = 45p

    Thank you.
    Freedom - you've got to give for what you take
    • mumofthetwins
    • By mumofthetwins 9th Jan 18, 9:33 PM
    • 891 Posts
    • 3,872 Thanks
    mumofthetwins
    £6 paid for me today ��
    This time I'm sticking with it !!
    Jan £3.40/£300 2/10 NSD
    PAD
    Jan £374
    • cufc_mike
    • By cufc_mike 9th Jan 18, 9:47 PM
    • 432 Posts
    • 2,313 Thanks
    cufc_mike
    £3.51 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)
    • A Random Man
    • By A Random Man 9th Jan 18, 9:50 PM
    • 129 Posts
    • 647 Thanks
    A Random Man
    £3.27 pad to credit card 2
    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
    • RhiBi
    • By RhiBi 9th Jan 18, 10:46 PM
    • 284 Posts
    • 1,049 Thanks
    RhiBi
    £2 PAD to Next again!
    Virtual Sealed Pot 2018 #7 £31.35/£250 Bring lunch to work 10/18 NSD 05/15
    • LittleMissDetermined
    • By LittleMissDetermined 10th Jan 18, 7:34 AM
    • 1,895 Posts
    • 7,967 Thanks
    LittleMissDetermined
    A tremendous day with a total for Tuesday 9th January of

    £430.41

    Welcome back takingcontrolatlast 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...
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