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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 29
    • erin_transport
    • By erin_transport 18th Mar 17, 9:38 PM
    • 187 Posts
    • 924 Thanks
    erin_transport
    Evening
    £45 to S&S isa
    £20 to investment
    £65 total. Thanks.
    On a mission!
    • kirtsypoos
    • By kirtsypoos 18th Mar 17, 9:54 PM
    • 2,822 Posts
    • 11,811 Thanks
    kirtsypoos
    Evening all!

    £5 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
    • sunshine81
    • By sunshine81 19th Mar 17, 7:29 AM
    • 777 Posts
    • 4,329 Thanks
    sunshine81
    Morning!

    Some of my transfers of money into my current account are starting to clear, but not enough yet to PAD my winnings. So for today I'm PADding the extra amount I withdrew - £150 - sent 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 19th Mar 17, 7:41 AM
    • 2,438 Posts
    • 10,546 Thanks
    mandz1
    Saturday 18th March total




    £127.65
    PAD Maker
    SPC 570
    • LittleMissDetermined
    • By LittleMissDetermined 19th Mar 17, 9:55 AM
    • 1,637 Posts
    • 6,546 Thanks
    LittleMissDetermined
    Good morning!

    £28.50 for me today please

    Have a relaxing Sunday

    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...
    • jet9cat
    • By jet9cat 19th Mar 17, 10:23 AM
    • 1,193 Posts
    • 9,198 Thanks
    jet9cat
    £89.99 to the cc please Mandz
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • sashybo
    • By sashybo 19th Mar 17, 10:34 AM
    • 2,319 Posts
    • 17,978 Thanks
    sashybo
    Hi all, £2 to loan no1 today.
    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
    • ahall3519
    • By ahall3519 19th Mar 17, 8:07 PM
    • 133 Posts
    • 420 Thanks
    ahall3519
    Good evening everyone! Please put me down for £10 to debt two. A survey paid out i'd forgot about!
    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 19th Mar 17, 9:48 PM
    • 187 Posts
    • 924 Thanks
    erin_transport
    Hi
    £2.50 to cc
    £10.00 mortgage O/P
    £5.00 savings
    £17.50 total. Thanks.
    On a mission!
    • sashanut
    • By sashanut 19th Mar 17, 10:44 PM
    • 2,455 Posts
    • 23,228 Thanks
    sashanut
    Hi all Back again after a spell of norovirus - yak yak never had it before & don't ever want it again....anyhow....
    my PAD is £24.44 - 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
    • LittleMissDetermined
    • By LittleMissDetermined 20th Mar 17, 6:15 AM
    • 1,637 Posts
    • 6,546 Thanks
    LittleMissDetermined
    Morning all

    A bank round down for me today send £1.57 to the credit card.

    Have a good Monday peeps

    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...
    • jet9cat
    • By jet9cat 20th Mar 17, 6:22 AM
    • 1,193 Posts
    • 9,198 Thanks
    jet9cat
    Sounds awful Sashanut, hope you're feeling better.


    £10.30 for me today please.
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • mandz1
    • By mandz1 20th Mar 17, 6:48 AM
    • 2,438 Posts
    • 10,546 Thanks
    mandz1
    Sunday 19th March total




    £322.43
    PAD Maker
    SPC 570
    • erin_transport
    • By erin_transport 20th Mar 17, 8:28 AM
    • 187 Posts
    • 924 Thanks
    erin_transport
    Morning. Early check in for me today.
    £15.00 to cc
    Thanks
    On a mission!
    • kirtsypoos
    • By kirtsypoos 20th Mar 17, 12:20 PM
    • 2,822 Posts
    • 11,811 Thanks
    kirtsypoos
    Afternoon PADdingtons!

    £40 for me today please - clearing the account before payday tomorrow
    £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
    • sashybo
    • By sashybo 20th Mar 17, 12:49 PM
    • 2,319 Posts
    • 17,978 Thanks
    sashybo
    Hi all, usual £1 to loan no1 today.

    Glad you're feeling better Sashanut, doesn't sound pleasant.
    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
    • sunshine81
    • By sunshine81 20th Mar 17, 7:48 PM
    • 777 Posts
    • 4,329 Thanks
    sunshine81
    £11.45 for me today 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%)
    • ahall3519
    • By ahall3519 20th Mar 17, 8:56 PM
    • 133 Posts
    • 420 Thanks
    ahall3519
    Good evening everyone! Another PAD today for me of £10 to debt two! Hope everyone is ok and sashanutyou're feeling better!
    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
    • sashanut
    • By sashanut 20th Mar 17, 10:57 PM
    • 2,455 Posts
    • 23,228 Thanks
    sashanut
    Hi all


    Yes thanks for the well wishes all, much better now....I'm rarely ill & for me to have to take to my bed in the daytime is almost unheard of...hopefully on the plus side I will have shed a few lbs ...but probably not LOL
    my PAD is £6.00 - 3 x £2 coins into vw campervan moneybox - 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
    • mandz1
    • By mandz1 21st Mar 17, 6:31 AM
    • 2,438 Posts
    • 10,546 Thanks
    mandz1
    Monday 20th March total



    £95.32
    PAD Maker
    SPC 570
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