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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 2,839Posts
    • 11,881Thanks
    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 £266.85
Page 43
    • Erme
    • By Erme 17th Apr 17, 8:06 AM
    • 3,576 Posts
    • 21,400 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
    • 190 Posts
    • 939 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
    • 1,195 Posts
    • 9,209 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
    • 2,323 Posts
    • 17,996 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 - £8223 extra paid off debt. Total Debt paid off £41,928.84
    Loans 1 & 2 £6014.79, Car loans £25,815.54
    • ahall3519
    • By ahall3519 17th Apr 17, 7:10 PM
    • 134 Posts
    • 426 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 June 2017 statement-£817.38=53.5% paid
    • kirtsypoos
    • By kirtsypoos 17th Apr 17, 9:00 PM
    • 2,839 Posts
    • 11,881 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
    £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 £266.85
    • kirtsypoos
    • By kirtsypoos 17th Apr 17, 9:18 PM
    • 2,839 Posts
    • 11,881 Thanks
    kirtsypoos
    £25 for me today please
    £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 £266.85
    • sashanut
    • By sashanut 18th Apr 17, 12:02 AM
    • 2,457 Posts
    • 23,238 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
    • 685 Posts
    • 2,223 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 £6585.48 [132%] / £5000-[July] £552.15 for the 'Save 12k in 2017' #157
    2017 Womble #35 £3882.77 June NSDs 26/15CCCChl 34/52 weeks
    June PPChl#002 Pts 225
    • kirtsypoos
    • By kirtsypoos 18th Apr 17, 10:19 AM
    • 2,839 Posts
    • 11,881 Thanks
    kirtsypoos
    Morning PADdingtons!!

    £166.03 was yesterdays wonderful PAD total
    £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 £266.85
    • kirtsypoos
    • By kirtsypoos 18th Apr 17, 10:20 AM
    • 2,839 Posts
    • 11,881 Thanks
    kirtsypoos
    My offering for today is a nice round £50 to MBNA
    £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 £266.85
    • Chappie77
    • By Chappie77 18th Apr 17, 11:08 AM
    • 85 Posts
    • 467 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 £300/£2226.93
    Saving for Xmas 2017 #71 £242/£365
    Virtual Sealed Pot 2017 #13 £286.10/£500
    PAYDBX2017 #67 £3391.55/£5500
    • erin_transport
    • By erin_transport 18th Apr 17, 11:25 AM
    • 190 Posts
    • 939 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
    • 73 Posts
    • 349 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
    • 2,457 Posts
    • 23,238 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
    • 685 Posts
    • 2,223 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 £6585.48 [132%] / £5000-[July] £552.15 for the 'Save 12k in 2017' #157
    2017 Womble #35 £3882.77 June NSDs 26/15CCCChl 34/52 weeks
    June PPChl#002 Pts 225
    • kirtsypoos
    • By kirtsypoos 19th Apr 17, 9:01 AM
    • 2,839 Posts
    • 11,881 Thanks
    kirtsypoos
    Morning PADdingtons!!!

    Our wonderful PADding total for 18th April was £265.27
    £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 £266.85
    • kirtsypoos
    • By kirtsypoos 19th Apr 17, 9:04 AM
    • 2,839 Posts
    • 11,881 Thanks
    kirtsypoos
    My PAD for today is £50 to OH BC
    £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 £266.85
    • erin_transport
    • By erin_transport 19th Apr 17, 7:12 PM
    • 190 Posts
    • 939 Thanks
    erin_transport
    EveninG £10 to cc
    Thanks
    On a mission!
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