Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 2,653Posts
    • 11,047Thanks
    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
    Last edited by kirtsypoos; 02-05-2017 at 10:28 AM.
    1235/3000 OH BC(58.83% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: 1235/31010.23 (96.01% paid)
    Mortgage - 164,000.00 (O/P 718.83 so far) PAYDBX 17 #006 - 13708.08/10000 Make 10 Apr 194.58 Make 10 May 148.17
Page 25
    • kirtsypoos
    • By kirtsypoos 9th Mar 17, 11:18 PM
    • 2,653 Posts
    • 11,047 Thanks
    kirtsypoos
    Evening all!

    15 for me today please Mandz
    1235/3000 OH BC(58.83% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: 1235/31010.23 (96.01% paid)
    Mortgage - 164,000.00 (O/P 718.83 so far) PAYDBX 17 #006 - 13708.08/10000 Make 10 Apr 194.58 Make 10 May 148.17
    • Erme
    • By Erme 10th Mar 17, 6:51 AM
    • 3,568 Posts
    • 21,357 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
    • 2,419 Posts
    • 10,444 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
    • 1,570 Posts
    • 6,178 Thanks
    LittleMissDetermined
    Good morning everyone

    My offering today is 16.82 please Mandz

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

    1000 EF Challenge #142 1008.80/1000 ... 3-6Mth Wages Challenge #4 650/7129...
    24 23 22 21 months of Debt-busting to go...
    • Jo Blogs
    • By Jo Blogs 10th Mar 17, 7:15 AM
    • 643 Posts
    • 2,046 Thanks
    Jo Blogs
    Super thread and well done to everyone for their super efforts - Keep up the great work
    Saved Nitty Gritty 3895.25 [77.91%] / 5000-[June] 246.78 for the 'Save 12k in 2017' #157
    2017 Womble #35 3265.97 May NSDs 18/15CCCChl 20/52 weeks
    May PPChl#002 Pts 119
    • 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
    • 76 Posts
    • 428 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 0/2226.93
    Saving for Xmas 2017 #71 189/365
    Virtual Sealed Pot 2017 #13 233.44/500
    PAYDBX2017 #67 3041.55./5500
    • sashybo
    • By sashybo 10th Mar 17, 4:10 PM
    • 2,281 Posts
    • 17,670 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 - 8101.50 extra paid off debt. Total Debt paid off 41,106.12
    Loans 1 & 2 6506.99, Car loans 26,146.06
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 10th Mar 17, 4:13 PM
    • 490 Posts
    • 2,615 Thanks
    swimminginaseaofdebt
    Afternoon everyone

    Popping in to declare a PAD of 24.25 to the credit card.
    NSD May - 3/16
    ,
    Pay all debt off by Christmas 2017 #150 - 1111.84/3729.05
    ,
    SPC10 #564
    • sashanut
    • By sashanut 10th Mar 17, 4:47 PM
    • 2,440 Posts
    • 23,164 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
    • 124 Posts
    • 377 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 May 2017 statement-1010.38=43% paid
    • erin_transport
    • By erin_transport 10th Mar 17, 10:09 PM
    • 150 Posts
    • 746 Thanks
    erin_transport
    90.00 O/P
    28.50 to cc
    118.50 total! yay!
    • mandz1
    • By mandz1 11th Mar 17, 7:21 AM
    • 2,419 Posts
    • 10,444 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
    • 195 Posts
    • 1,439 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
    • sashybo
    • By sashybo 11th Mar 17, 10:17 AM
    • 2,281 Posts
    • 17,670 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 - 8101.50 extra paid off debt. Total Debt paid off 41,106.12
    Loans 1 & 2 6506.99, Car loans 26,146.06
    • LittleMissDetermined
    • By LittleMissDetermined 11th Mar 17, 10:23 AM
    • 1,570 Posts
    • 6,178 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 Jan 2019
    Life gets in the way...PADding is addictive... Saving's better than spending...

    1000 EF Challenge #142 1008.80/1000 ... 3-6Mth Wages Challenge #4 650/7129...
    24 23 22 21 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
    • 150 Posts
    • 746 Thanks
    erin_transport
    S&S isa 40.00
    Thanks
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

219Posts Today

1,192Users online

Martin's Twitter
  • Just a quick ta-ta for now. I'm taking the week off for family time with mini and Mrs MSE. So I won't be here much. Back after the bank hol

  • Ugh another one trying it! Beware https://t.co/Ab9fCRA76F

  • Just looking at the final(ish) Premier League table. The gap between the top seven and the rest is huge. Has it ever been more lopsided?

  • Follow Martin