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
    • 2,690Posts
    • 11,273Thanks
    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 43
    • Erme
    • By Erme 17th Apr 17, 8:06 AM
    • 3,570 Posts
    • 21,365 Thanks
    Erme
    Hi.
    A second PAD for me today... 26
    I'm feeling very happy with myself. Checked my statements from this time last year and happy to report that by shuffling, TTs and PADS I'm well over 5k less unsecured debt & at least 6 full mortgage payments ahead. Thanks everyone.
    Originally posted by erin_transport
    For this huge achievement Erin (and a half sane Erme ) I present thee the ultimate Easter virtual gift LOL


    No it's not virtual tiffin

    tis



    Happy PAD day!!!

    E

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


    • sunshine81
    • By sunshine81 17th Apr 17, 9:35 AM
    • 777 Posts
    • 4,329 Thanks
    sunshine81
    38.63 for me to Tesco Bank - which makes my Tesco Credit Card fully PAID
    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 17th Apr 17, 11:13 AM
    • 157 Posts
    • 777 Thanks
    erin_transport
    Morning!!
    27 to mortgage O/P
    1.20 to cc
    Total 28.20. Thanks everyone for the support. Wouldn't have been inspired or motivated to do it on my own. You guys rock!!!
    Last edited by erin_transport; 17-04-2017 at 11:17 AM.
    On a mission!
    • jet9cat
    • By jet9cat 17th Apr 17, 3:55 PM
    • 1,172 Posts
    • 9,063 Thanks
    jet9cat
    Back after a few days away at my sister's where I deliberately had a online detox, just chilling. talking and catching up etc so back now and straight into sorting out the finances with renewed energy.


    First - erin - just shows how much chipping away at something can make a difference - well done.


    And sunshine - great news on paying off the Tesco debt.


    And now from me a payment of 21.70
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • sashybo
    • By sashybo 17th Apr 17, 3:59 PM
    • 2,294 Posts
    • 17,714 Thanks
    sashybo
    Hi all, 2.50 to loan no1 today. Have been working all weekend but at least got double time for Friday & today.

    Well done to erin. and also to sunshine.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - 8110 extra paid off debt. Total Debt paid off 41,106.12
    Loans 1 & 2 6506.99, Car loans 26,146.06
    • ahall3519
    • By ahall3519 17th Apr 17, 7:10 PM
    • 125 Posts
    • 382 Thanks
    ahall3519
    Good evening everyone! Please put me down for 50 to the usual debt two. Thanks.

    Well done Sunshine81
    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
    • kirtsypoos
    • By kirtsypoos 17th Apr 17, 9:00 PM
    • 2,690 Posts
    • 11,273 Thanks
    kirtsypoos
    Evening PADdingtons!

    Our Easter Sunday total was a wonderful 65.64!

    A late check in with this one but have had a day with my baby niece today and have finally settled on the sofa waiting for Broadchurch and catching up on the thread
    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
    • kirtsypoos
    • By kirtsypoos 17th Apr 17, 9:18 PM
    • 2,690 Posts
    • 11,273 Thanks
    kirtsypoos
    25 for me today please
    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
    • sashanut
    • By sashanut 18th Apr 17, 12:02 AM
    • 2,443 Posts
    • 23,172 Thanks
    sashanut
    Hi all

    My PAD is 13.35- pmt to M&S cc - thanks Kirsty


    Fantastic news on paying off the Tesco cc Sunshine
    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
    • Jo Blogs
    • By Jo Blogs 18th Apr 17, 2:11 AM
    • 647 Posts
    • 2,063 Thanks
    Jo Blogs
    Good morning everyone

    Great going with all the PADs Keep 'um rocking on in

    Wishing you all a blessed PADay
    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
    • kirtsypoos
    • By kirtsypoos 18th Apr 17, 10:19 AM
    • 2,690 Posts
    • 11,273 Thanks
    kirtsypoos
    Morning PADdingtons!!

    166.03 was yesterdays wonderful PAD total
    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
    • kirtsypoos
    • By kirtsypoos 18th Apr 17, 10:20 AM
    • 2,690 Posts
    • 11,273 Thanks
    kirtsypoos
    My offering for today is a nice round 50 to MBNA
    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
    • Chappie77
    • By Chappie77 18th Apr 17, 11:08 AM
    • 76 Posts
    • 428 Thanks
    Chappie77
    Morning all and a belated Happy Easter!

    I have been busy all weekend so I am a bit late putting this in. This is my PAD for week ending 14/4/17:

    100 off Barclaycard = 1055/1606.17

    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
    • erin_transport
    • By erin_transport 18th Apr 17, 11:25 AM
    • 157 Posts
    • 777 Thanks
    erin_transport
    Morning all!
    2.22 to cc
    10.00 to mortgage O/P
    37 to savings. 49.22 total today. Thanks!!
    On a mission!
    • Lau0707
    • By Lau0707 18th Apr 17, 2:45 PM
    • 54 Posts
    • 239 Thanks
    Lau0707
    Im late to the party, but i love this ! I love paying daily xxxx
    • sashanut
    • By sashanut 18th Apr 17, 11:27 PM
    • 2,443 Posts
    • 23,172 Thanks
    sashanut
    Hi all

    My PAD is 52.70- pmt to M&S cc - thanks Kirsty
    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
    • Jo Blogs
    • By Jo Blogs 19th Apr 17, 1:05 AM
    • 647 Posts
    • 2,063 Thanks
    Jo Blogs
    Good morning everyone

    Great going with all the PADs Keep 'um racking on up

    Wishing you all a blessed PADay
    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
    • kirtsypoos
    • By kirtsypoos 19th Apr 17, 9:01 AM
    • 2,690 Posts
    • 11,273 Thanks
    kirtsypoos
    Morning PADdingtons!!!

    Our wonderful PADding total for 18th April was 265.27
    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
    • kirtsypoos
    • By kirtsypoos 19th Apr 17, 9:04 AM
    • 2,690 Posts
    • 11,273 Thanks
    kirtsypoos
    My PAD for today is 50 to OH BC
    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
    • erin_transport
    • By erin_transport 19th Apr 17, 7:12 PM
    • 157 Posts
    • 777 Thanks
    erin_transport
    EveninG 10 to cc
    Thanks
    On a mission!
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

995Posts Today

7,575Users online

Martin's Twitter