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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 2,822Posts
    • 11,811Thanks
    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
    Last edited by kirtsypoos; 01-06-2017 at 9:07 AM.
    £960/3000 OH BC(68% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £960/31010.23 (96.90% paid)
    Mortgage - £163,450.00 (2017 O/P £1213.91) PAYDBX 17 #006 - £14789.69/14,539.71Make £10 Apr £194.58 Make £10 May £159.75 Make £10 June £245.11
Page 25
    • kirtsypoos
    • By kirtsypoos 9th Mar 17, 11:18 PM
    • 2,822 Posts
    • 11,811 Thanks
    kirtsypoos
    Evening all!

    £15 for me today please Mandz
    £960/3000 OH BC(68% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £960/31010.23 (96.90% paid)
    Mortgage - £163,450.00 (2017 O/P £1213.91) PAYDBX 17 #006 - £14789.69/14,539.71Make £10 Apr £194.58 Make £10 May £159.75 Make £10 June £245.11
    • Erme
    • By Erme 10th Mar 17, 6:51 AM
    • 3,576 Posts
    • 21,399 Thanks
    Erme
    Good morning everyone! Apologies for being awol recently. Hope everyone is ok! Please put me down for £20 to debt 2. The total is slowly going down!
    Originally posted by ahall3519
    Go ahall - you so shall get there!!!

    Wednesday 8th March total


    Small but mighty


    £69.34
    Originally posted by mandz1
    There is everything positive and nothing negative about a small and mighty total guys........thanks Mandz for totalling and also being so positive..

    Me? Up at crazy hour and still up - chance to practice my new anxiety coping techniques for when I make another attempt to quit the nicotine

    Again nothing negative - everything positive

    Have a good day folks

    E

    I believe in the power of PAD
    Come and join us on the Payment a Day thread


    • mandz1
    • By mandz1 10th Mar 17, 7:04 AM
    • 2,438 Posts
    • 10,545 Thanks
    mandz1
    Thursday 9th March total



    £165.75


    The total for the month is already looking good, keep it up guys.
    Last edited by mandz1; 10-03-2017 at 7:07 AM.
    PAD Maker
    SPC 570
    • LittleMissDetermined
    • By LittleMissDetermined 10th Mar 17, 7:04 AM
    • 1,637 Posts
    • 6,539 Thanks
    LittleMissDetermined
    Good morning everyone

    My offering today is £16.82 please Mandz

    LMD xx
    Target Debt Free Day 27th Jun 2019
    Life gets in the way...PADding is addictive... Saving's better than spending...

    £1000 EF Challenge #142 £1078.29/£1000 ... 3-6Mth Wages Challenge #4 £1514.14/£7129...
    24 months of Debt-busting to go...
    • Jo Blogs
    • By Jo Blogs 10th Mar 17, 7:15 AM
    • 670 Posts
    • 2,163 Thanks
    Jo Blogs
    Super thread and well done to everyone for their super efforts - Keep up the great work
    Saved Nitty Gritty £6585.48 [132%] / £5000-[July] £255.47 for the 'Save 12k in 2017' #157
    2017 Womble #35 £3882.77 June NSDs 22/15CCCChl 34/52 weeks
    June PPChl#002 Pts 225
    • sunshine81
    • By sunshine81 10th Mar 17, 9:23 AM
    • 777 Posts
    • 4,329 Thanks
    sunshine81
    £11.30 for me to Barclaycard.

    Absolutely kicking myself for straying away from this last year as it really really really works! But onwards and upwards I guess.
    PAD challenge starting over 2 March 2017!
    Barclaycard: 2581.37/5005.28 (51.57%) Tesco CC: 5396.86/5396.86 (100%) Next: 87.98/670.57 (13.12%) Santander CC 0/1515 (0%) Virgin Money 0/4400 (0%)

    PAYDBX2017: £3463.20/£11072.71 (31.28%)
    • Chappie77
    • By Chappie77 10th Mar 17, 2:39 PM
    • 85 Posts
    • 465 Thanks
    Chappie77
    Hi all!

    This week I have paid £125 off the Barclaycard.

    Hope you are having good weeks!!

    Chappie x
    Payment a Day 2017 £459.70/£459.70 Argos Card
    £1606.17/£1606.17 Barclaycard
    Next £300/£2226.93
    Saving for Xmas 2017 #71 £242/£365
    Virtual Sealed Pot 2017 #13 £286.10/£500
    PAYDBX2017 #67 £3391.55/£5500
    • sashybo
    • By sashybo 10th Mar 17, 4:10 PM
    • 2,319 Posts
    • 17,977 Thanks
    sashybo
    Hi all, payday today so £46 split between loans 1 & 2.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £8205 extra paid off debt. Total Debt paid off £41,696.64
    Loans 1 & 2 £6246.99, Car loans £25,815.54
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 10th Mar 17, 4:13 PM
    • 503 Posts
    • 2,667 Thanks
    swimminginaseaofdebt
    Afternoon everyone

    Popping in to declare a PAD of £24.25 to the credit card.
    Pay all debt off by Christmas 2017 #150 - £1868.05/£3729.05
    ,
    SPC10 #564
    • sashanut
    • By sashanut 10th Mar 17, 4:47 PM
    • 2,455 Posts
    • 23,226 Thanks
    sashanut
    Hi all
    My PAD is £22.44 - to M&S cc - thanks Mandz !
    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
    • Debtfreein5yrs
    • By Debtfreein5yrs 10th Mar 17, 6:11 PM
    • 62 Posts
    • 185 Thanks
    Debtfreein5yrs
    My other half gets paid weekly. It goes into the bank overnight on Fri/Sat. I have used what was left from last weeks wage for today's PAD. That's another £13.72 towards a F&F offer.
    Total PAD up to date is £215.56
    Last edited by Debtfreein5yrs; 10-03-2017 at 6:17 PM.
    • ahall3519
    • By ahall3519 10th Mar 17, 8:05 PM
    • 132 Posts
    • 419 Thanks
    ahall3519
    Good evening everyone! Thanks Erme! Are you trying to give up cigs or e-cigs? Hope everyone is ok! Please put me down for £25 to debt 2. Not long to go now Kirstypoos
    Barclaycard Debit as of April 2016-£1008.07
    As of 30th January 2017=100% paid

    Tesco Credit Card Debt number 2 as of January 2017-£1757.96
    As of June 2017 statement-£817.38=53.5% paid
    • erin_transport
    • By erin_transport 10th Mar 17, 10:09 PM
    • 187 Posts
    • 921 Thanks
    erin_transport
    £90.00 O/P
    £28.50 to cc
    £118.50 total! yay!
    • mandz1
    • By mandz1 11th Mar 17, 7:21 AM
    • 2,438 Posts
    • 10,545 Thanks
    mandz1
    Friday 10th March total




    £403.03


    Happy weekend everyone
    PAD Maker
    SPC 570
    • sunshine81
    • By sunshine81 11th Mar 17, 7:30 AM
    • 777 Posts
    • 4,329 Thanks
    sunshine81
    Morning,

    Starting with £9.75 to Barclaycard, have a good weekend everyone x
    PAD challenge starting over 2 March 2017!
    Barclaycard: 2581.37/5005.28 (51.57%) Tesco CC: 5396.86/5396.86 (100%) Next: 87.98/670.57 (13.12%) Santander CC 0/1515 (0%) Virgin Money 0/4400 (0%)

    PAYDBX2017: £3463.20/£11072.71 (31.28%)
    • redkelly
    • By redkelly 11th Mar 17, 9:06 AM
    • 197 Posts
    • 1,452 Thanks
    redkelly
    Hi All

    Not been able to login for a week Payment today £38.00

    Enjoy the weekend all xx
    Payment a Day : Creation £1416.05 to Pay : Paid £1416.50 100% Gone

    Capital One : £2169.37 to pay : Paid £50.63

    M & S : £3207.29 to Pay : Paid £130.00
    • sashybo
    • By sashybo 11th Mar 17, 10:17 AM
    • 2,319 Posts
    • 17,977 Thanks
    sashybo
    Hi all, a pad of £3.50 to loan no1 today as a small amount of survey money arrived.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £8205 extra paid off debt. Total Debt paid off £41,696.64
    Loans 1 & 2 £6246.99, Car loans £25,815.54
    • LittleMissDetermined
    • By LittleMissDetermined 11th Mar 17, 10:23 AM
    • 1,637 Posts
    • 6,539 Thanks
    LittleMissDetermined
    Hi everyone

    My offering today is £200 please Mandz
    And
    After wobbling about in bikinis on holiday I've decided it's time to take action, living on salad and fruit since Monday I've managed to drop 5lb which is great, it's taken its toll on the bank balance though with my weekly shop incereasing by just under £20. I'm hoping it's worth it and I can keep losing the lbs even if not the £'s!!

    Have a cracking Saturday all

    LMD xx
    Target Debt Free Day 27th Jun 2019
    Life gets in the way...PADding is addictive... Saving's better than spending...

    £1000 EF Challenge #142 £1078.29/£1000 ... 3-6Mth Wages Challenge #4 £1514.14/£7129...
    24 months of Debt-busting to go...
    • Debtfreein5yrs
    • By Debtfreein5yrs 11th Mar 17, 1:15 PM
    • 62 Posts
    • 185 Thanks
    Debtfreein5yrs
    Hello everyone.
    Good day here today My other half worked a lot of overtime last week so I've managed to pay a massive £119.32 off an overdraft on one of our accounts!! Really pleased with that.
    Total for March £331.88
    Last edited by Debtfreein5yrs; 11-03-2017 at 2:10 PM.
    • erin_transport
    • By erin_transport 11th Mar 17, 9:47 PM
    • 187 Posts
    • 921 Thanks
    erin_transport
    S&S isa £40.00
    Thanks
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