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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 3,303Posts
    • 14,642Thanks
    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 - £159,450.00 (2017/2018 O/P £3077.39) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £2045.24/£4000
Page 188
    • ahall3519
    • By ahall3519 6th Feb 18, 9:27 PM
    • 214 Posts
    • 744 Thanks
    ahall3519
    Good evening everyone! Please put me down for £7.50 to the OH's CC. Thanks!
    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=£689.43=42% paid
    • cufc_mike
    • By cufc_mike 6th Feb 18, 10:51 PM
    • 488 Posts
    • 2,609 Thanks
    cufc_mike
    £16.53 mortgage overpayment today.
    Make £1,000 February Challenge: £1,140.62 / £1,000 (£5,236.95 since Aug '17)
    Mortgage Overpayments: £1,609.55 | £905.72 Interest Saved
    Mortgage End Date: Was 01/06/2033 -> Now: 01/07/2032 (reduced by 11 months by PAD'ing)
    • A Random Man
    • By A Random Man 6th Feb 18, 11:24 PM
    • 149 Posts
    • 737 Thanks
    A Random Man
    £10.00 payment to CC2
    Total Debt 1st Jan £13100/£11473.96 (12.41% Paid)
    Payment A Day total: £91.59
    • sashanut
    • By sashanut 6th Feb 18, 11:39 PM
    • 2,693 Posts
    • 25,074 Thanks
    sashanut
    Hi all

    Popping in to PAD £2.00 - 1 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 6th Feb 18, 11:40 PM
    • 1,935 Posts
    • 8,166 Thanks
    LittleMissDetermined
    Hi, newbie here!

    £10 to CC today please

    Thanks
    Originally posted by Brookside88
    Welcome to the thread Brookside88
    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...
    • jet9cat
    • By jet9cat 7th Feb 18, 6:47 AM
    • 1,416 Posts
    • 10,423 Thanks
    jet9cat
    Welcome Brookside88

    £5.72 to the cc for me today please iheart
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • LittleMissDetermined
    • By LittleMissDetermined 7th Feb 18, 7:09 AM
    • 1,935 Posts
    • 8,166 Thanks
    LittleMissDetermined
    Morning!

    Regular payment for me today of £178.20

    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...
    • TheMsTeal
    • By TheMsTeal 7th Feb 18, 7:29 AM
    • 217 Posts
    • 844 Thanks
    TheMsTeal
    £5 to reg payment please
    Debt Free Day Target: November 2018

    £2 Savers Club 2017: no 41
    • Stayathomemum36
    • By Stayathomemum36 7th Feb 18, 8:02 AM
    • 35 Posts
    • 122 Thanks
    Stayathomemum36
    Hi, £3.00 to my next account
    • sunshine81
    • By sunshine81 7th Feb 18, 9:03 AM
    • 877 Posts
    • 4,834 Thanks
    sunshine81
    Welcome Brookside88! Stick around - this really does work.

    Quidco paid out today and I got a refund of some Christmas bits so sent £121.32 to Barclaycard.
    • Brookside88
    • By Brookside88 7th Feb 18, 9:04 AM
    • 4 Posts
    • 15 Thanks
    Brookside88
    Morning all,

    £5 off the CC today please
    • kirtsypoos
    • By kirtsypoos 7th Feb 18, 10:13 AM
    • 3,303 Posts
    • 14,642 Thanks
    kirtsypoos
    Morning all!!

    £70 for me today please

    I am beyond excited to say that the final payment for OHs CC came out this morning, meaning all my original debt is now paid off!!

    We do still have a car loan which I'm making overpayments on regularly, a spendy CC which gets paid off when we spend on it and a CC which paid for our trip to NZ but the money to pay this off is in savings, I'm just trying to keep it there whilst we use the normal household budget to pay it off (amount already in my spreadsheet of course)

    I will continue PADding for the above, and for mortgage overpayments but a huge thank you to all contributors of this thread both old and new for helping me stay on the straight and narrow for the last 32 months!
    PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid)
    Mortgage - £159,450.00 (2017/2018 O/P £3077.39) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £2045.24/£4000
    • taskey
    • By taskey 7th Feb 18, 11:14 AM
    • 149 Posts
    • 405 Thanks
    taskey
    £0.74 bank round down to cc please

    Thanks
    £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
    • AdventureWanted
    • By AdventureWanted 7th Feb 18, 11:30 AM
    • 366 Posts
    • 1,177 Thanks
    AdventureWanted
    £20 paid to CC2 today please.

    Well done Kirtsypoos thats fantastic news
    • Calling14
    • By Calling14 7th Feb 18, 11:46 AM
    • 2,625 Posts
    • 19,228 Thanks
    Calling14
    Morning all!!

    £70 for me today please

    I am beyond excited to say that the final payment for OHs CC came out this morning, meaning all my original debt is now paid off!!

    We do still have a car loan which I'm making overpayments on regularly, a spendy CC which gets paid off when we spend on it and a CC which paid for our trip to NZ but the money to pay this off is in savings, I'm just trying to keep it there whilst we use the normal household budget to pay it off (amount already in my spreadsheet of course)

    I will continue PADding for the above, and for mortgage overpayments but a huge thank you to all contributors of this thread both old and new for helping me stay on the straight and narrow for the last 32 months!
    Originally posted by kirtsypoos
    Well done Kirstypoos all this padding does pay off then
    LBM 13039 1.1.13 Start 2018 £5552 NOW £4088
    EEK house repairs pushed it back up end of last yr

    PAYDBX 2018 #16 1464/£5552 DFD 12/18
    E
    Fund #9 £220/£1,000
    1 x 100 days challenge
    £1299/£2000

    • erin_transport
    • By erin_transport 7th Feb 18, 12:41 PM
    • 431 Posts
    • 1,967 Thanks
    erin_transport
    Hi
    £20 to cc
    Thanks
    On a mission!

    2018 MFW #138
    • mandz1
    • By mandz1 7th Feb 18, 5:32 PM
    • 2,535 Posts
    • 11,030 Thanks
    mandz1
    £10.27 to cc1 today please
    PAD Maker
    • ahall3519
    • By ahall3519 7th Feb 18, 6:11 PM
    • 214 Posts
    • 744 Thanks
    ahall3519
    Well done Kirstypoos!

    Please put me down for £5 to the OH's CC. Thanks!
    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=£689.43=42% paid
    • sashanut
    • By sashanut 7th Feb 18, 11:18 PM
    • 2,693 Posts
    • 25,074 Thanks
    sashanut
    Hi all

    Popping in to PAD £13.62 to cc please iheart - tkyou!!

    Welcome to Brookside888 and

    Huge congratulations Kirstypoos!!!
    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
    • cufc_mike
    • By cufc_mike 7th Feb 18, 11:29 PM
    • 488 Posts
    • 2,609 Thanks
    cufc_mike
    Well done Kirtsypoos!!

    £12.15 mortgage overpayment for me today

    That's another month knocked off the end day. Mortgage term reduced by 10 months now since the beginning of December '17
    Make £1,000 February Challenge: £1,140.62 / £1,000 (£5,236.95 since Aug '17)
    Mortgage Overpayments: £1,609.55 | £905.72 Interest Saved
    Mortgage End Date: Was 01/06/2033 -> Now: 01/07/2032 (reduced by 11 months by PAD'ing)
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