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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 2,689Posts
    • 11,265Thanks
    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.
    1175/3000 OH BC(60.83% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: 1175/31010.23 (96.21% paid)
    Mortgage - 164,000.00 (O/P 718.83 so far) PAYDBX 17 #006 - 13842.19/14,539.71Make 10 Apr 194.58 Make 10 May 159.75
Page 26
    • sashanut
    • By sashanut 11th Mar 17, 11:39 PM
    • 2,441 Posts
    • 23,165 Thanks
    sashanut
    Hi all
    My PAD is 14.59 - 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
    • sunshine81
    • By sunshine81 12th Mar 17, 7:24 AM
    • 777 Posts
    • 4,329 Thanks
    sunshine81
    Morning... 10 sent off to Barclaycard...
    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%)
    • mandz1
    • By mandz1 12th Mar 17, 7:50 AM
    • 2,424 Posts
    • 10,464 Thanks
    mandz1
    Saturday 11th March total



    425.16



    What a great Saturday total.
    PAD Maker
    SPC 570
    • LittleMissDetermined
    • By LittleMissDetermined 12th Mar 17, 9:27 AM
    • 1,572 Posts
    • 6,183 Thanks
    LittleMissDetermined
    Good morning all

    Today's PAD is 12.60 to the credit card please

    Have a good day!

    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...
    • sashybo
    • By sashybo 12th Mar 17, 9:37 AM
    • 2,290 Posts
    • 17,705 Thanks
    sashybo
    Hi all, a bigger pad today of 101 to loan no1 as forgot we have no council tax payment this month.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - 8107 extra paid off debt. Total Debt paid off 41,106.12
    Loans 1 & 2 6506.99, Car loans 26,146.06
    • Debtfreein5yrs
    • By Debtfreein5yrs 12th Mar 17, 11:28 AM
    • 62 Posts
    • 185 Thanks
    Debtfreein5yrs
    Have a house full of groceries so have decided not to do any shopping this week other than for milk. By adding grocery money to personal spending money (there's nothing I need this week and not going anywhere) I have managed to pay 100 as an extra payment off one of our loans.
    Feels so good to be bringing the balance down
    Total now 431.88
    • erin_transport
    • By erin_transport 12th Mar 17, 10:17 PM
    • 154 Posts
    • 768 Thanks
    erin_transport
    Evening!
    2.20 to cc
    Thanks
    • sashanut
    • By sashanut 12th Mar 17, 11:24 PM
    • 2,441 Posts
    • 23,165 Thanks
    sashanut
    Hi all
    My PAD is 7.81 - 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
    • jet9cat
    • By jet9cat 13th Mar 17, 6:20 AM
    • 1,170 Posts
    • 9,058 Thanks
    jet9cat
    Morning all. 11.90 for me today please.




    Not able to do any PADding over the weekend but did pick up an amazing bargain. Went into our local A*gos to buy new sheets (using Nectar points) and they were selling off gift wrap at 1p per roll. I thought it was left over Christmas stuff they couldn't get rid of but it was all sorts, birthday, Christmas and some with just stars or presents on that could be used for anything. Needless to say, I came out with 8 rolls and that's me sorted for wrapping paper for at least a year.
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • LittleMissDetermined
    • By LittleMissDetermined 13th Mar 17, 6:41 AM
    • 1,572 Posts
    • 6,183 Thanks
    LittleMissDetermined
    Happy Monday everyone

    Nice work on the bargain gift wrap Jet9cat

    My pad today is 27.70 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...
    • mandz1
    • By mandz1 13th Mar 17, 7:18 AM
    • 2,424 Posts
    • 10,464 Thanks
    mandz1
    Sunday 12th March total



    233.61
    PAD Maker
    SPC 570
    • sunshine81
    • By sunshine81 13th Mar 17, 8:30 AM
    • 777 Posts
    • 4,329 Thanks
    sunshine81
    Morning, a new week... starts with 16.21 to Barclaycard 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%)
    • kirtsypoos
    • By kirtsypoos 13th Mar 17, 8:56 AM
    • 2,689 Posts
    • 11,265 Thanks
    kirtsypoos
    Morning all!

    I was AWOL over the weekend as sorting bits and pieces round the house but todays return PAD is 5.01 please mandz
    1175/3000 OH BC(60.83% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: 1175/31010.23 (96.21% paid)
    Mortgage - 164,000.00 (O/P 718.83 so far) PAYDBX 17 #006 - 13842.19/14,539.71Make 10 Apr 194.58 Make 10 May 159.75
    • Keedie
    • By Keedie 13th Mar 17, 10:56 AM
    • 233 Posts
    • 995 Thanks
    Keedie
    Morning All,

    Been a bit AWOL as I have been sleeping lots and hanging out with my son, nieces and nephews. My PAD is my direct debit to Santander CC at 25 please Mandz.

    Have a good day everyone,
    xx
    LBM 27/06/16 = 24,140.60 (7 creditors) BUT on 03/05/2017 = 13,695.91/24,140.60 (5 creditors) = 56.73% repaid
    Aiming to be Debt Free = 31/12/2020
    • Erme
    • By Erme 13th Mar 17, 12:21 PM
    • 3,569 Posts
    • 21,360 Thanks
    Erme
    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.
    Originally posted by sunshine81
    Remember sunshine tis not going down (or not padding for months) that's the crime but staying down - not coming back for air! Welcome back and you so can do this!!!

    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
    Originally posted by ahall3519
    e-cigs are no worse than caffeine. Cigs are really bad. Was just trying to go no nicotine because of regulation prohibition looming from Europe and being prepared but have quite a bit of stashed nicotine so am ok for now . After the weekend I've had and how bad my anxiety got a wee while ago friends are saying don't sweat the small stuff (nicotine)

    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
    Originally posted by LittleMissDetermined
    maybe a dumb idea but have you tried a free healthy eating plan like sparkpeople (watch out for the spam)? May save you money in more ways than one. Healthy eating shouldn't bust the budget!!! HUgs

    E

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


    • mandz1
    • By mandz1 13th Mar 17, 12:45 PM
    • 2,424 Posts
    • 10,464 Thanks
    mandz1
    4.42 to cc for me today
    PAD Maker
    SPC 570
    • erin_transport
    • By erin_transport 13th Mar 17, 3:59 PM
    • 154 Posts
    • 768 Thanks
    erin_transport
    Hi
    1.77 to cc
    Thanks
    • sashybo
    • By sashybo 13th Mar 17, 9:10 PM
    • 2,290 Posts
    • 17,705 Thanks
    sashybo
    Hi all, got some survey money through so 51 pad today.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - 8107 extra paid off debt. Total Debt paid off 41,106.12
    Loans 1 & 2 6506.99, Car loans 26,146.06
    • Debtfreein5yrs
    • By Debtfreein5yrs 13th Mar 17, 9:43 PM
    • 62 Posts
    • 185 Thanks
    Debtfreein5yrs
    Good evening all. Long day at work today so just a brief visit to the forums.
    50 paid off one of our unsecured debts today. It was a planned payment so the money was sat waiting in our account but it was an extra payment so I've added to my total here.
    Total now 481.88
    Last edited by Debtfreein5yrs; 13-03-2017 at 9:46 PM.
    • Jo Blogs
    • By Jo Blogs 14th Mar 17, 3:51 AM
    • 647 Posts
    • 2,058 Thanks
    Jo Blogs
    Well done everyone with the PAD's

    Hope you all have great PAD's today
    Saved Nitty Gritty 3895.25 [77.91%] / 5000-[June] 1592.56 for the 'Save 12k in 2017' #157
    2017 Womble #35 3265.97 May NSDs 24/15CCCChl 21/52 weeks
    May PPChl#002 Pts 119
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