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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 3,092Posts
    • 13,768Thanks
    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
    Last edited by kirtsypoos; 01-12-2017 at 12:15 PM.
    £150/3000 OH BC(95% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £150/31010.23 (99.51% paid)
    Mortgage - £161,000.00 (2017 O/P £3191.73) PAYDBX 17 #006 - £17,935.81/14,539.71
Page 27
    • LittleMissDetermined
    • By LittleMissDetermined 14th Mar 17, 6:21 AM
    • 1,823 Posts
    • 7,621 Thanks
    LittleMissDetermined
    Morning all

    £500 for me pleaseMandz

    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 £1285/£1000 ... 3-6Mth Wages Challenge #4 £4100/£7129...
    24 months of Debt-busting to go...
    • mandz1
    • By mandz1 14th Mar 17, 6:54 AM
    • 2,503 Posts
    • 10,888 Thanks
    mandz1
    Monday 13th March



    £193.01
    PAD Maker
    SPC 570
    • kirtsypoos
    • By kirtsypoos 14th Mar 17, 10:03 AM
    • 3,092 Posts
    • 13,768 Thanks
    kirtsypoos
    Morning all!

    £75.00 to MBNA for me today please mandz
    £150/3000 OH BC(95% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £150/31010.23 (99.51% paid)
    Mortgage - £161,000.00 (2017 O/P £3191.73) PAYDBX 17 #006 - £17,935.81/14,539.71
    • sunshine81
    • By sunshine81 14th Mar 17, 11:39 AM
    • 777 Posts
    • 4,329 Thanks
    sunshine81
    £10.08 for me 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%)
    • sashybo
    • By sashybo 14th Mar 17, 1:10 PM
    • 2,454 Posts
    • 18,685 Thanks
    sashybo
    Hi all, a PAD of £9.50 today as more survey money through.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £9565 extra paid off debt. Total Debt paid off £46,824.32
    Loan £3754.39, CC 0% BT £952, Car loans £24,151.20
    • ahall3519
    • By ahall3519 14th Mar 17, 9:19 PM
    • 189 Posts
    • 671 Thanks
    ahall3519
    Good evening everyone! Please put me down for £35 to debt two. Thanks!
    Barclaycard Debt as of April 2016-£1008.07 As of 30th January 2017=100% paid

    Lloyds CC Debt number 2 as of January 2017-£1757.96 As of December 2017-£55.36=97% paid

    OH's Sainsbury's CC total-£1189.53 debt=£969.55=18% paid
    • erin_transport
    • By erin_transport 14th Mar 17, 9:26 PM
    • 344 Posts
    • 1,624 Thanks
    erin_transport
    Hi
    £8.50 cc
    £9.00 cc
    Total £17.50
    Thanks
    • jet9cat
    • By jet9cat 15th Mar 17, 6:51 AM
    • 1,365 Posts
    • 10,166 Thanks
    jet9cat
    £9.40 to cc for me today please Mandz
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • mandz1
    • By mandz1 15th Mar 17, 6:59 AM
    • 2,503 Posts
    • 10,888 Thanks
    mandz1
    Tuesday 14th March total




    £647.08
    PAD Maker
    SPC 570
    • LittleMissDetermined
    • By LittleMissDetermined 15th Mar 17, 8:28 AM
    • 1,823 Posts
    • 7,621 Thanks
    LittleMissDetermined
    Morning everyone

    Hurrah for mid-week Wednesday My PAD today is £7.32 bank round down to the credit card please Mandz

    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 £1285/£1000 ... 3-6Mth Wages Challenge #4 £4100/£7129...
    24 months of Debt-busting to go...
    • sashybo
    • By sashybo 15th Mar 17, 11:24 AM
    • 2,454 Posts
    • 18,685 Thanks
    sashybo
    Hi all, usual £1 to loan no1.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £9565 extra paid off debt. Total Debt paid off £46,824.32
    Loan £3754.39, CC 0% BT £952, Car loans £24,151.20
    • kirtsypoos
    • By kirtsypoos 15th Mar 17, 11:47 AM
    • 3,092 Posts
    • 13,768 Thanks
    kirtsypoos
    Morning all,

    Mortgage OP of £29.09 for me today please Mandz
    £150/3000 OH BC(95% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £150/31010.23 (99.51% paid)
    Mortgage - £161,000.00 (2017 O/P £3191.73) PAYDBX 17 #006 - £17,935.81/14,539.71
    • sunshine81
    • By sunshine81 15th Mar 17, 1:07 PM
    • 777 Posts
    • 4,329 Thanks
    sunshine81
    Just a quick post to pay £11.23 to Barclaycard..

    Matched betting on Cheltenham this week it'll be a really good PAD once it's over!!!!
    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%)
    • erin_transport
    • By erin_transport 15th Mar 17, 11:35 PM
    • 344 Posts
    • 1,624 Thanks
    erin_transport
    Evening all
    £50 to pension top up today
    • Jo Blogs
    • By Jo Blogs 16th Mar 17, 12:57 AM
    • 751 Posts
    • 2,595 Thanks
    Jo Blogs
    Good morning everyone Well done with all the PADs .
    \Hope you all have a great day
    Saved Nitty Gritty £7440.75 [149%] / £5000-[Sep] £58.44 for the 'Save 12k in 2017' #157
    2017 Womble #35 £3463.27 Sept NSDs 4/15CCCChl 9/12 months
    Sept PPChl#002 Pts 71
    • jet9cat
    • By jet9cat 16th Mar 17, 6:24 AM
    • 1,365 Posts
    • 10,166 Thanks
    jet9cat
    £50 paid to balance cc1 today please
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • LittleMissDetermined
    • By LittleMissDetermined 16th Mar 17, 6:32 AM
    • 1,823 Posts
    • 7,621 Thanks
    LittleMissDetermined
    Morning everyone

    Bank round down for me today of £2.01 to the credit card 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 £1285/£1000 ... 3-6Mth Wages Challenge #4 £4100/£7129...
    24 months of Debt-busting to go...
    • mandz1
    • By mandz1 16th Mar 17, 6:43 AM
    • 2,503 Posts
    • 10,888 Thanks
    mandz1
    Wednesday 15th March total




    £108.04
    PAD Maker
    SPC 570
    • Erme
    • By Erme 16th Mar 17, 7:11 AM
    • 3,596 Posts
    • 21,541 Thanks
    Erme
    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.
    Originally posted by jet9cat

    this Fandabeedozie bargain needs another mention and a llama

    Go you jet So nice to hear some good news from you - tis so rare! Hugs


    E

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


    • kirtsypoos
    • By kirtsypoos 16th Mar 17, 11:34 AM
    • 3,092 Posts
    • 13,768 Thanks
    kirtsypoos
    Morning all,

    £5 for me today please
    £150/3000 OH BC(95% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £150/31010.23 (99.51% paid)
    Mortgage - £161,000.00 (2017 O/P £3191.73) PAYDBX 17 #006 - £17,935.81/14,539.71
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