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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 3,200Posts
    • 14,209Thanks
    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 £854.90/£4000
Page 169
    • LittleMissDetermined
    • By LittleMissDetermined 10th Jan 18, 7:35 AM
    • 1,886 Posts
    • 7,917 Thanks
    LittleMissDetermined
    Back with my own PAD of £5.77 today

    Have a good one

    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 10th Jan 18, 8:40 AM
    • 28 Posts
    • 118 Thanks
    trickster76
    £6.32 to Next

    • erin_transport
    • By erin_transport 10th Jan 18, 9:13 AM
    • 392 Posts
    • 1,808 Thanks
    erin_transport
    Morning
    £10 to cc
    £10 to isa
    £33 refund arrived today but I'll have a think about where to allocate that.
    £20 total today
    On a mission!

    2018 MFW #138 O/P £128.50 & £140 & £125 of £6000
    • AdventureWanted
    • By AdventureWanted 10th Jan 18, 9:13 AM
    • 260 Posts
    • 805 Thanks
    AdventureWanted
    £130 dd payment to CC2 today. Thanks.
    • TheMsTeal
    • By TheMsTeal 10th Jan 18, 9:41 AM
    • 182 Posts
    • 711 Thanks
    TheMsTeal
    Token 20p to cc.
    Debt Free Day Target: November 2018

    £2 Savers Club 2017: no 41
    • kirtsypoos
    • By kirtsypoos 10th Jan 18, 9:45 AM
    • 3,200 Posts
    • 14,209 Thanks
    kirtsypoos
    Morning all,

    £125.00 to CC and mortgage OP today thanks to a very welcome but unexpected refund!
    £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 £854.90/£4000
    • LightBulbMoment
    • By LightBulbMoment 10th Jan 18, 12:12 PM
    • 103 Posts
    • 588 Thanks
    LightBulbMoment
    Morning Everybody

    I have paid £1.57 from CC1 this morning.

    Take care

    LBM
    • sunshine81
    • By sunshine81 10th Jan 18, 12:25 PM
    • 816 Posts
    • 4,561 Thanks
    sunshine81
    Money incoming of £172.22 is my PAD today!
    • Picklepot
    • By Picklepot 10th Jan 18, 12:36 PM
    • 300 Posts
    • 4,182 Thanks
    Picklepot
    10.00
    for me today please x
    • Calling14
    • By Calling14 10th Jan 18, 1:06 PM
    • 2,551 Posts
    • 18,814 Thanks
    Calling14
    £40 for me today thanks to medicash claim
    LBM 13039 1.1.13 Start 2018 £5552 NOW £4700 EEK house repairs pushed it back up
    PAYDBX 2018 #16 852/£5552 DFD 12/18
    E
    Fund #9 £220/£1,000
    1 x 100 days challenge
    £687/£2000

    • taskey
    • By taskey 10th Jan 18, 1:29 PM
    • 131 Posts
    • 332 Thanks
    taskey
    £0.45 little payment to Argos for me please
    £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
    • mumofthetwins
    • By mumofthetwins 10th Jan 18, 2:51 PM
    • 891 Posts
    • 3,872 Thanks
    mumofthetwins
    Just had some mileage paid n from work to today's PAD is £10 rounded up the coppers lol

    Lisa x
    This time I'm sticking with it !!
    Jan £3.40/£300 2/10 NSD
    PAD
    Jan £374
    • RhiBi
    • By RhiBi 10th Jan 18, 5:55 PM
    • 282 Posts
    • 1,037 Thanks
    RhiBi
    £2 as usual to Next for me xx
    Virtual Sealed Pot 2018 #7 £31.35/£250 Bring lunch to work 10/18 NSD 05/15
    • Iheart
    • By Iheart 10th Jan 18, 7:02 PM
    • 108 Posts
    • 672 Thanks
    Iheart
    £30.00 for me to the loan today please LMD
    SPC11 #33
    2018 - The year to slay the loan £573.34/£4947.40
    • IWILLgetthere
    • By IWILLgetthere 10th Jan 18, 9:13 PM
    • 65 Posts
    • 297 Thanks
    IWILLgetthere
    Hello Lovely PADers and HAPPY NEW YEAR! x
    Sorry I've been absent for ages (I miss my daily PADs!) been so broke that I've had my head well and truly hidden away
    Pleased to be able to post on here again...
    £20 to long suffering friend (who helped me with rent months ago!)
    £57 to DMP payments
    £32 to next
    £32.88 to littlewoods
    so that's a big fat £141.88 for me please

    can't express how pleased I am to be able to post on here again... hope you are all doing well xxx
    • cufc_mike
    • By cufc_mike 10th Jan 18, 10:45 PM
    • 428 Posts
    • 2,282 Thanks
    cufc_mike
    £15.00 mortgage overpayment today please
    Make £775 January Challenge: £582.50 / £775 (£3,559.35 since Aug '17)
    Mortgage Overpayments: £1,098.07 | £625.85 Interest Saved
    Mortgage End Date: Was 01/06/2033 -> Now: 01/10/2032 (reduced by 8 months by PAD'ing)
    • LittleMissDetermined
    • By LittleMissDetermined 11th Jan 18, 6:06 AM
    • 1,886 Posts
    • 7,917 Thanks
    LittleMissDetermined
    A wonderful day with a total for Wednesday 10th January of

    £710.43

    It’s great to see the thread busy in this traditionally frugal month and fab to see some old ‘faces’ returning to the thread - Well done everyone!
    Last edited by LittleMissDetermined; 11-01-2018 at 6:10 AM.
    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 11th Jan 18, 6:09 AM
    • 1,886 Posts
    • 7,917 Thanks
    LittleMissDetermined
    Back with my own PAD today of £27.70 finance payment

    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...
    • TheMsTeal
    • By TheMsTeal 11th Jan 18, 9:22 AM
    • 182 Posts
    • 711 Thanks
    TheMsTeal
    Loose change: 40p to cc.
    Debt Free Day Target: November 2018

    £2 Savers Club 2017: no 41
    • Calling14
    • By Calling14 11th Jan 18, 9:33 AM
    • 2,551 Posts
    • 18,814 Thanks
    Calling14
    Payday for me so £115 towards cc. Means I have cleared 10% of this years debt already. Happy start to January.
    LBM 13039 1.1.13 Start 2018 £5552 NOW £4700 EEK house repairs pushed it back up
    PAYDBX 2018 #16 852/£5552 DFD 12/18
    E
    Fund #9 £220/£1,000
    1 x 100 days challenge
    £687/£2000

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