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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 3,285Posts
    • 14,590Thanks
    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


    January 2018

    £28,031.72
    Last edited by kirtsypoos; 02-02-2018 at 11:46 AM.
    PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid)
    Mortgage - £159,500.00 (2017/2018 O/P £3027.39) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £1865.24/£4000
Page 187
    • Calling14
    • By Calling14 5th Feb 18, 11:22 AM
    • 2,616 Posts
    • 19,151 Thanks
    Calling14
    £8 for me today.

    Happy Monday folks
    LBM 13039 1.1.13 Start 2018 £5552 NOW £4108
    EEK house repairs pushed it back up end of last yr

    PAYDBX 2018 #16 1444/£5552 DFD 12/18
    E
    Fund #9 £220/£1,000
    1 x 100 days challenge
    £1279/£2000

    • kirtsypoos
    • By kirtsypoos 5th Feb 18, 12:36 PM
    • 3,285 Posts
    • 14,590 Thanks
    kirtsypoos
    Afternoon All!

    £75 CC DD for me today please
    PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid)
    Mortgage - £159,500.00 (2017/2018 O/P £3027.39) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £1865.24/£4000
    • sunshine81
    • By sunshine81 5th Feb 18, 1:07 PM
    • 871 Posts
    • 4,808 Thanks
    sunshine81
    £10 for me today!
    • sashanut
    • By sashanut 5th Feb 18, 3:44 PM
    • 2,689 Posts
    • 25,039 Thanks
    sashanut
    Hi all

    Popping in to PAD £4.00 - 2 x £2 coins into VW campervan moneybox please iheart
    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
    • LittleMissDetermined
    • By LittleMissDetermined 5th Feb 18, 7:00 PM
    • 1,935 Posts
    • 8,164 Thanks
    LittleMissDetermined
    A frugal few weeks ahead of me before going away so just a small £1.83 sent 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 £5950/£7129...
    24 months of Debt-busting to go...
    • RhiBi
    • By RhiBi 5th Feb 18, 10:11 PM
    • 317 Posts
    • 1,129 Thanks
    RhiBi
    PADding £12 today x
    Virtual Sealed Pot 2018 #7 £65.80/£250 Bring lunch to work February 10/15 NSD 04/12
    • cufc_mike
    • By cufc_mike 5th Feb 18, 11:48 PM
    • 484 Posts
    • 2,578 Thanks
    cufc_mike
    £15.74 mortgage overpayment today
    Make £1,000 February Challenge: £1,049.68 / £1,000 (£5,146.01 since Aug '17)
    Mortgage Overpayments: £1,579.24 | £889.54 Interest Saved
    Mortgage End Date: Was 01/06/2033 -> Now: 01/07/2032 (reduced by 11 months by PAD'ing)
    • jet9cat
    • By jet9cat 6th Feb 18, 6:22 AM
    • 1,415 Posts
    • 10,418 Thanks
    jet9cat
    Hi folks, £12.30 paid for me today please
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • LittleMissDetermined
    • By LittleMissDetermined 6th Feb 18, 6:30 AM
    • 1,935 Posts
    • 8,164 Thanks
    LittleMissDetermined
    Morning!

    £15.95 for me today please

    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 £5950/£7129...
    24 months of Debt-busting to go...
    • mandz1
    • By mandz1 6th Feb 18, 6:38 AM
    • 2,532 Posts
    • 11,020 Thanks
    mandz1
    £10.04 to cc1 this morning please
    PAD Maker
    • TheMsTeal
    • By TheMsTeal 6th Feb 18, 8:59 AM
    • 213 Posts
    • 825 Thanks
    TheMsTeal
    30.74 to cc please.
    Debt Free Day Target: November 2018

    £2 Savers Club 2017: no 41
    • taskey
    • By taskey 6th Feb 18, 9:38 AM
    • 149 Posts
    • 405 Thanks
    taskey
    4.16 to argos for me please

    Thank you
    £1 a day for Xmas 2018 #9 £40/£365 9/1/18 | £2 savers club #11 £32| £50p's #4 £19 | FEB take lunch to work # 2/13
    FEB 18 £10,917.80 - JAN 18 £11,988.03 - DEC 17 £12,328.25
    • erin_transport
    • By erin_transport 6th Feb 18, 12:37 PM
    • 427 Posts
    • 1,952 Thanks
    erin_transport
    Hi
    £20 to online savings
    £20 to holiday 2018 pot
    £40 total for me today
    On a mission!

    2018 MFW #138
    O/P £1000 total for 2018
    • Brookside88
    • By Brookside88 6th Feb 18, 1:54 PM
    • 4 Posts
    • 12 Thanks
    Brookside88
    Hi, newbie here!

    £10 to CC today please

    Thanks
    • Calling14
    • By Calling14 6th Feb 18, 2:40 PM
    • 2,616 Posts
    • 19,151 Thanks
    Calling14
    Another £8 for me today.
    LBM 13039 1.1.13 Start 2018 £5552 NOW £4108
    EEK house repairs pushed it back up end of last yr

    PAYDBX 2018 #16 1444/£5552 DFD 12/18
    E
    Fund #9 £220/£1,000
    1 x 100 days challenge
    £1279/£2000

    • sunshine81
    • By sunshine81 6th Feb 18, 3:45 PM
    • 871 Posts
    • 4,808 Thanks
    sunshine81
    £35 today.
    • Picklepot
    • By Picklepot 6th Feb 18, 4:27 PM
    • 304 Posts
    • 4,235 Thanks
    Picklepot
    forgive me ..for i have lapsed with my padding.
    22.00 for me today please
    • RhiBi
    • By RhiBi 6th Feb 18, 7:28 PM
    • 317 Posts
    • 1,129 Thanks
    RhiBi
    £2 for me today please!
    Virtual Sealed Pot 2018 #7 £65.80/£250 Bring lunch to work February 10/15 NSD 04/12
    • Iheart
    • By Iheart 6th Feb 18, 8:37 PM
    • 141 Posts
    • 754 Thanks
    Iheart
    Evening everybody.

    Sundays total was a sublime £195.20 and Monday's was a marvellous £624.57

    SPC11 #33
    Time to slay the loan one PAD at a time £851.46/£4947.40
    • Iheart
    • By Iheart 6th Feb 18, 8:38 PM
    • 141 Posts
    • 754 Thanks
    Iheart
    £2.05 for me today
    SPC11 #33
    Time to slay the loan one PAD at a time £851.46/£4947.40
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