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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 3,299Posts
    • 14,628Thanks
    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

    December 2017
    £11018.76

    Total for 2017
    £157,522.69


    January 2018

    £28,031.72
    Last edited by kirtsypoos; 02-02-2018 at 11:46 AM.
    PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid)
    Mortgage - £159,450.00 (2017/2018 O/P £3077.39) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £2045.24/£4000
Page 55
    • bLaZiNgDucK
    • By bLaZiNgDucK 15th May 17, 12:54 PM
    • 139 Posts
    • 1,093 Thanks
    bLaZiNgDucK
    Need to sort my life out
    Hello All


    Can I (Re)join please, was a member many years ago and well I need to sort myself out, properly this time.
    Gonna do a proper sit down with a pen and a pad and a spreadsheet and everything this evening but can I start with tinnie tiny £1.34
    Will report back tomorrow once I have sat down and sorted it all out.


    Thanks and keep up the hard work


    Duckie
    To be figured out!
    • sashybo
    • By sashybo 15th May 17, 6:22 PM
    • 2,608 Posts
    • 19,769 Thanks
    sashybo
    Hi all, PAD is £51 today as DH sold some old tech & blu-rays he had lying around.

    Hi Duckie welcome back.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £9717 extra paid off debt. Total Debt paid off £48,737.28
    Loan £3294.75, CC 0% BT £820, Car loans £23,789

    Have a Debt Free Diary to try & keep spending in check.
    • sashanut
    • By sashanut 15th May 17, 11:44 PM
    • 2,691 Posts
    • 25,062 Thanks
    sashanut
    Hi all


    Still on the flipping iPad so not much fancy fonting ... PAD £13 to MnS cc plz Mandz1 - thank you
    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
    • jet9cat
    • By jet9cat 16th May 17, 6:19 AM
    • 1,416 Posts
    • 10,423 Thanks
    jet9cat
    Morning all, PAD of £149 to balance cc 2 today please
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • mandz1
    • By mandz1 16th May 17, 6:45 AM
    • 2,533 Posts
    • 11,026 Thanks
    mandz1
    15th May total




    £299.18
    PAD Maker
    • bLaZiNgDucK
    • By bLaZiNgDucK 16th May 17, 9:37 AM
    • 139 Posts
    • 1,093 Thanks
    bLaZiNgDucK
    Morning All


    My review and my spreadsheet-ing took longer than i thought it was going to but I think i have my focus sorted but will complete it later.


    Todays PAD: £25 & £20 today to various things, Total: £45



    Thanks


    Duckie
    Last edited by bLaZiNgDucK; 16-05-2017 at 9:46 AM. Reason: Colour not working
    To be figured out!
    • kirtsypoos
    • By kirtsypoos 16th May 17, 11:15 AM
    • 3,299 Posts
    • 14,628 Thanks
    kirtsypoos
    Morning all

    £10 to OH BC for me today please
    PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid)
    Mortgage - £159,450.00 (2017/2018 O/P £3077.39) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £2045.24/£4000
    • sashybo
    • By sashybo 16th May 17, 4:34 PM
    • 2,608 Posts
    • 19,769 Thanks
    sashybo
    Hi all, PAD today is £3.50 as got a small amount of survey money through.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £9717 extra paid off debt. Total Debt paid off £48,737.28
    Loan £3294.75, CC 0% BT £820, Car loans £23,789

    Have a Debt Free Diary to try & keep spending in check.
    • LittleMissDetermined
    • By LittleMissDetermined 16th May 17, 5:30 PM
    • 1,935 Posts
    • 8,166 Thanks
    LittleMissDetermined
    Hi all

    Popping in to PAD £14.41 today please

    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 £1000/£1000 ... 3-6Mth Wages Challenge #4 £5950/£7129...
    24 months of Debt-busting to go...
    • erin_transport
    • By erin_transport 16th May 17, 10:01 PM
    • 430 Posts
    • 1,965 Thanks
    erin_transport
    Hi all
    £50 to E/F
    £10 to mortgage O/P
    £2 to holiday fund
    £62 total. Thanks
    On a mission!

    2018 MFW #138
    • jet9cat
    • By jet9cat 17th May 17, 6:23 AM
    • 1,416 Posts
    • 10,423 Thanks
    jet9cat
    Morning all


    £208 paid off balance cc1 today - is it odd of me that I'm happy that I've now got them both to nice round figures?
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • mandz1
    • By mandz1 17th May 17, 7:01 AM
    • 2,533 Posts
    • 11,026 Thanks
    mandz1
    16th may total



    £283.91




    my PAD is £10


    hi arra, you can use PAD for whatever you want to. Some use it for debt repayments and others use it for savings.
    its completely up to you
    PAD Maker
    • ahall3519
    • By ahall3519 17th May 17, 9:02 AM
    • 214 Posts
    • 744 Thanks
    ahall3519
    Good morning everyone! Please put me down for £20to the usual debt two! Thanks
    CC Debt 1 as of Apr 2016-£1008.07 As of 30th January 2017=100% paid

    CC Debt 2 as of Jan 2017-£1757.96 As of 2nd Jan 2018-100% paid

    OH's Sainsbury's CC total-£1189.53 debt=£689.43=42% paid
    • kirtsypoos
    • By kirtsypoos 17th May 17, 9:13 AM
    • 3,299 Posts
    • 14,628 Thanks
    kirtsypoos
    Morning all
    £208 paid off balance cc1 today - is it odd of me that I'm happy that I've now got them both to nice round figures?
    Originally posted by jet9cat
    I always love when there is a nice round number too, you aren't alone

    £10 to OH BC for me today please Mandz
    PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid)
    Mortgage - £159,450.00 (2017/2018 O/P £3077.39) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £2045.24/£4000
    • LittleMissDetermined
    • By LittleMissDetermined 17th May 17, 9:24 AM
    • 1,935 Posts
    • 8,166 Thanks
    LittleMissDetermined
    Just a 39p bank round down to savings for me

    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 £1000/£1000 ... 3-6Mth Wages Challenge #4 £5950/£7129...
    24 months of Debt-busting to go...
    • sashybo
    • By sashybo 17th May 17, 10:10 AM
    • 2,608 Posts
    • 19,769 Thanks
    sashybo
    Hi all, back to the usual £1 to loan no1 today.

    I too like to have a round figure on my debts when possible.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £9717 extra paid off debt. Total Debt paid off £48,737.28
    Loan £3294.75, CC 0% BT £820, Car loans £23,789

    Have a Debt Free Diary to try & keep spending in check.
    • erin_transport
    • By erin_transport 17th May 17, 1:18 PM
    • 430 Posts
    • 1,965 Thanks
    erin_transport
    Hi
    £26 to E/F savings
    £24 mortgage O/P
    £50 total today.
    Thanks.
    On a mission!

    2018 MFW #138
    • sashanut
    • By sashanut 17th May 17, 11:38 PM
    • 2,691 Posts
    • 25,062 Thanks
    sashanut
    Hi all


    PAD £21.45 to MnS cc plz Mandz1 - thank you
    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 18th May 17, 6:24 AM
    • 1,935 Posts
    • 8,166 Thanks
    LittleMissDetermined
    Morning!

    Just £2.23 to the piggy bank as change from purse today please

    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 £1000/£1000 ... 3-6Mth Wages Challenge #4 £5950/£7129...
    24 months of Debt-busting to go...
    • mandz1
    • By mandz1 18th May 17, 6:49 AM
    • 2,533 Posts
    • 11,026 Thanks
    mandz1
    May 17th total



    £320.84






    my PAD today is to the cc of £50
    PAD Maker
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