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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 3,289Posts
    • 14,592Thanks
    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 £1895.24/£4000
Page 191
    • AdventureWanted
    • By AdventureWanted 11th Feb 18, 7:50 AM
    • 356 Posts
    • 1,154 Thanks
    AdventureWanted
    £11 to CC2 today.
    • Stayathomemum36
    • By Stayathomemum36 11th Feb 18, 9:19 AM
    • 34 Posts
    • 119 Thanks
    Stayathomemum36
    £2.50 to my next account today
    Payment a day challenge 2018 £400.24
    £1000 emergency fund challenge £410.81 / £1000.Started my Debt Free Diary: "Making the changes and sticking to it" Feb 2018.
    O/D £550/£0 Next £636 £435.00 CC Debt: £29031£28182.10
    • LittleMissDetermined
    • By LittleMissDetermined 11th Feb 18, 10:05 AM
    • 1,935 Posts
    • 8,164 Thanks
    LittleMissDetermined
    Morning

    54p purse change to piglet bank

    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...
    • ahall3519
    • By ahall3519 11th Feb 18, 1:05 PM
    • 214 Posts
    • 742 Thanks
    ahall3519
    Good afternoon everyone! Hope everyone is well! Please put me down for £25 to the OH's CC. My aim is to be 50% paid by the end of March!
    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
    • erin_transport
    • By erin_transport 11th Feb 18, 1:07 PM
    • 427 Posts
    • 1,953 Thanks
    erin_transport
    Hi
    Well done AHall - you're flying through that cc!
    Today, my contributions are
    £10 to isa
    £10 to p2p savings
    £20 total.
    On a mission!

    2018 MFW #138
    O/P £1000 total for 2018
    • MrsPorridge
    • By MrsPorridge 11th Feb 18, 1:53 PM
    • 1,641 Posts
    • 2,615 Thanks
    MrsPorridge
    £11 to RBS for me today please.
    Getting back on Track
    • kirtsypoos
    • By kirtsypoos 11th Feb 18, 4:18 PM
    • 3,289 Posts
    • 14,592 Thanks
    kirtsypoos
    Afternoon all!

    £47.39 OP to car loan 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 £1895.24/£4000
    • sunshine81
    • By sunshine81 11th Feb 18, 9:36 PM
    • 873 Posts
    • 4,810 Thanks
    sunshine81
    Just £3 for me today.
    • cufc_mike
    • By cufc_mike 11th Feb 18, 10:36 PM
    • 484 Posts
    • 2,581 Thanks
    cufc_mike
    £23.91 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)
    • sashanut
    • By sashanut 11th Feb 18, 11:59 PM
    • 2,689 Posts
    • 25,048 Thanks
    sashanut
    Hi all

    Popping in to PAD £12.00 to cc please iheart - tkyou!!
    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
    • mandz1
    • By mandz1 12th Feb 18, 5:07 AM
    • 2,532 Posts
    • 11,021 Thanks
    mandz1
    Early morning £9.08 to cc1 please
    PAD Maker
    • sunshine81
    • By sunshine81 12th Feb 18, 7:28 AM
    • 873 Posts
    • 4,810 Thanks
    sunshine81
    Morning - £93 today to Barclaycard.
    • Stayathomemum36
    • By Stayathomemum36 12th Feb 18, 8:20 AM
    • 34 Posts
    • 119 Thanks
    Stayathomemum36
    Morning, £2.50 to my next account - This is addictive!
    Payment a day challenge 2018 £400.24
    £1000 emergency fund challenge £410.81 / £1000.Started my Debt Free Diary: "Making the changes and sticking to it" Feb 2018.
    O/D £550/£0 Next £636 £435.00 CC Debt: £29031£28182.10
    • LittleMissDetermined
    • By LittleMissDetermined 12th Feb 18, 8:40 AM
    • 1,935 Posts
    • 8,164 Thanks
    LittleMissDetermined
    Morning all

    My PAD is £27.70 regular 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 £5950/£7129...
    24 months of Debt-busting to go...
    • TheMsTeal
    • By TheMsTeal 12th Feb 18, 9:24 AM
    • 214 Posts
    • 826 Thanks
    TheMsTeal
    Loose change: 40p to cc.
    Debt Free Day Target: November 2018

    £2 Savers Club 2017: no 41
    • erin_transport
    • By erin_transport 12th Feb 18, 9:57 AM
    • 427 Posts
    • 1,953 Thanks
    erin_transport
    Morning
    £18 to mortgage over payment
    £58 to cc
    Total for me today £76
    On a mission!

    2018 MFW #138
    O/P £1000 total for 2018
    • kirtsypoos
    • By kirtsypoos 12th Feb 18, 10:23 AM
    • 3,289 Posts
    • 14,592 Thanks
    kirtsypoos
    Morning all,

    £63.94 to spendy CC 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 £1895.24/£4000
    • Calling14
    • By Calling14 12th Feb 18, 2:16 PM
    • 2,617 Posts
    • 19,153 Thanks
    Calling14
    £6 to cc today. Thanks
    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

    • AdventureWanted
    • By AdventureWanted 12th Feb 18, 3:10 PM
    • 356 Posts
    • 1,154 Thanks
    AdventureWanted
    £180 dd payment to CC2.
    • cufc_mike
    • By cufc_mike 12th Feb 18, 11:17 PM
    • 484 Posts
    • 2,581 Thanks
    cufc_mike
    £15.76 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)
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