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
    • 2,550Posts
    • 10,432Thanks
    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
    Last edited by kirtsypoos; 02-04-2017 at 11:20 AM.
    £1470/3000 OH BC(51% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £1470/31010.23 (95.25% paid)
    Mortgage - £164,500.00 (O/P £469.96 so far) PAYDBX 17 #006 - £13089.71/£10000 Make£10 £194.58
Page 44
    • sashanut
    • By sashanut 19th Apr 17, 11:36 PM
    • 2,421 Posts
    • 23,090 Thanks
    sashanut
    Hi all

    My PAD is £20.95- 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 20th Apr 17, 1:13 AM
    • 572 Posts
    • 1,740 Thanks
    Jo Blogs
    Good morning everyone

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

    Wishing you all a very blessed PADay
    Saved Nitty Gritty £3167.67 [63.36%] / £5000-[May] £348.00 for the 'Save 12k in 2017' #157
    2017 Womble #35 £2548.97 April NSDs 25/25CCCChl 19/52 weeks
    Apl PPChl#002 Pts 209
    • kirtsypoos
    • By kirtsypoos 20th Apr 17, 10:03 AM
    • 2,550 Posts
    • 10,432 Thanks
    kirtsypoos
    Morning PADdingtons!!

    £80.95 was yesterdays fantastical fabulous total
    £1470/3000 OH BC(51% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £1470/31010.23 (95.25% paid)
    Mortgage - £164,500.00 (O/P £469.96 so far) PAYDBX 17 #006 - £13089.71/£10000 Make£10 £194.58
    • kirtsypoos
    • By kirtsypoos 20th Apr 17, 10:28 AM
    • 2,550 Posts
    • 10,432 Thanks
    kirtsypoos
    My offering for today is another nice round £50 to MBNA
    £1470/3000 OH BC(51% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £1470/31010.23 (95.25% paid)
    Mortgage - £164,500.00 (O/P £469.96 so far) PAYDBX 17 #006 - £13089.71/£10000 Make£10 £194.58
    • erin_transport
    • By erin_transport 20th Apr 17, 6:11 PM
    • 123 Posts
    • 617 Thanks
    erin_transport
    Afternoon
    Payment to saving acc £38
    Thanks
    On a mission!
    • sashybo
    • By sashybo 20th Apr 17, 6:42 PM
    • 2,230 Posts
    • 17,466 Thanks
    sashybo
    Hi all, £3 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 - £7956 extra paid off debt. Total Debt paid off £40,271.16
    Loans 1 & 2 £7012.23, Car loans £25,500,
    • ahall3519
    • By ahall3519 20th Apr 17, 8:07 PM
    • 118 Posts
    • 343 Thanks
    ahall3519
    Good evening everyone! Please put me down for £10 to debt two! Looking forward to going under £1000! Finally light at the end of the tunnel!
    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 April 2017 statement-£1223.38=30% paid
    • sashanut
    • By sashanut 20th Apr 17, 11:39 PM
    • 2,421 Posts
    • 23,090 Thanks
    sashanut
    Hi all

    My PAD is £40.05- 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 21st Apr 17, 2:14 AM
    • 572 Posts
    • 1,740 Thanks
    Jo Blogs
    Good morning everyone

    Super going with all the PADs - Keep up the great efforts

    Wishing you all a super PADay!
    Saved Nitty Gritty £3167.67 [63.36%] / £5000-[May] £348.00 for the 'Save 12k in 2017' #157
    2017 Womble #35 £2548.97 April NSDs 25/25CCCChl 19/52 weeks
    Apl PPChl#002 Pts 209
    • kirtsypoos
    • By kirtsypoos 21st Apr 17, 9:41 AM
    • 2,550 Posts
    • 10,432 Thanks
    kirtsypoos
    Morning PADdingtons!

    Yesterdays wonderful PADding total was £141.05, well done as always everyone
    £1470/3000 OH BC(51% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £1470/31010.23 (95.25% paid)
    Mortgage - £164,500.00 (O/P £469.96 so far) PAYDBX 17 #006 - £13089.71/£10000 Make£10 £194.58
    • kirtsypoos
    • By kirtsypoos 21st Apr 17, 9:45 AM
    • 2,550 Posts
    • 10,432 Thanks
    kirtsypoos
    My payday PAD for today is £400

    £300 to savings and £100 mortgage OP
    £1470/3000 OH BC(51% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £1470/31010.23 (95.25% paid)
    Mortgage - £164,500.00 (O/P £469.96 so far) PAYDBX 17 #006 - £13089.71/£10000 Make£10 £194.58
    • Chappie77
    • By Chappie77 21st Apr 17, 10:36 AM
    • 67 Posts
    • 375 Thanks
    Chappie77
    Morning all!

    My PAD for this week is £100 off the Barclaycard.

    Total so far = £1155/£1606.17

    Chappie x
    Payment a Day 2017 £459.70/£459.70 Argos Card
    £1155/£1606.17 Barclaycard
    Saving for Xmas 2017 #71 £134/£365
    Virtual Sealed Pot 2017 #13 £184.08/£500
    PAYDBX2017 #67 £2386.18./£5500
    • erin_transport
    • By erin_transport 21st Apr 17, 4:15 PM
    • 123 Posts
    • 617 Thanks
    erin_transport
    Hi
    £29 to mortgage o/p
    £39 to savings
    £68 total. Thanks
    On a mission!
    • sashybo
    • By sashybo 21st Apr 17, 5:23 PM
    • 2,230 Posts
    • 17,466 Thanks
    sashybo
    Hi all, a PAD of £107 today - £100 overpayment to loan no2 & £6 Quidc0 plus usual £1 pad to loan no1. Combined total of these 2 debts now sitting at just over £7k.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £7956 extra paid off debt. Total Debt paid off £40,271.16
    Loans 1 & 2 £7012.23, Car loans £25,500,
    • sashanut
    • By sashanut 21st Apr 17, 11:32 PM
    • 2,421 Posts
    • 23,090 Thanks
    sashanut
    Hi all

    My PAD is £7.57- pmt to M&S cc - thanks Kirsty


    Great news Sashybo
    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 22nd Apr 17, 3:26 AM
    • 572 Posts
    • 1,740 Thanks
    Jo Blogs
    Good morning everyone

    Super going with all the PADs - Keep 'um rolling in

    Wishing you all a great PADay!
    Saved Nitty Gritty £3167.67 [63.36%] / £5000-[May] £348.00 for the 'Save 12k in 2017' #157
    2017 Womble #35 £2548.97 April NSDs 25/25CCCChl 19/52 weeks
    Apl PPChl#002 Pts 209
    • Erme
    • By Erme 22nd Apr 17, 11:11 AM
    • 3,565 Posts
    • 21,345 Thanks
    Erme
    And am stalling with savings

    Just remembering this time last year I had just begun a savings goal for my piano and had had a wee break in York and Newcastle

    Now am stalling and life is getting in the way with everything financial

    but without padding.... doesn't bear thinking about and also Christ

    So chin up folks - we so can do this!!!

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


    • kirtsypoos
    • By kirtsypoos 22nd Apr 17, 12:59 PM
    • 2,550 Posts
    • 10,432 Thanks
    kirtsypoos
    Good Afternoon PADdingtons!

    Yesterdays lovely total was £682.57

    Hope everyone is having a nice Saturday

    Chin up Erme - you always do so well and get straight back on track when you need to. We all know you can do it!
    £1470/3000 OH BC(51% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £1470/31010.23 (95.25% paid)
    Mortgage - £164,500.00 (O/P £469.96 so far) PAYDBX 17 #006 - £13089.71/£10000 Make£10 £194.58
    • kirtsypoos
    • By kirtsypoos 22nd Apr 17, 1:01 PM
    • 2,550 Posts
    • 10,432 Thanks
    kirtsypoos
    My PAD for today is a bit of a big deal for me. I have been very fortunate and will be very nearly debt free after this....

    £9300.00
    £1470/3000 OH BC(51% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £1470/31010.23 (95.25% paid)
    Mortgage - £164,500.00 (O/P £469.96 so far) PAYDBX 17 #006 - £13089.71/£10000 Make£10 £194.58
    • erin_transport
    • By erin_transport 22nd Apr 17, 7:50 PM
    • 123 Posts
    • 617 Thanks
    erin_transport
    Well done everyone. Wow. Nice one Kirstypoos!!
    £30 to mortgage O/P
    £40 to savings. £70 total. 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

3,833Posts Today

7,231Users online

Martin's Twitter