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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 2,870Posts
    • 12,302Thanks
    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
    Last edited by kirtsypoos; 02-07-2017 at 8:26 PM.
    £800/3000 OH BC(73.33% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £800/31010.23 (97.42% paid)
    Mortgage - £162,900.00 (2017 O/P £1312.91) PAYDBX 17 #006 - £15299.59/14,539.71 Make £10 Apr £194.58 Make £10 May £159.75 Make £10 June £266.85
Page 64
    • LittleMissDetermined
    • By LittleMissDetermined 8th Jun 17, 6:10 AM
    • 1,649 Posts
    • 6,697 Thanks
    LittleMissDetermined
    Good morning everyone

    The total for Wednesday the 7th of June is £1302.84

    Target Debt Free Day 27th Jun 2019
    Life gets in the way...PADding is addictive... Saving's better than spending...

    £1000 EF Challenge #142 £1167.44/£1000 ... 3-6Mth Wages Challenge #4 £2364.14/£7129...
    24 months of Debt-busting to go...
    • LittleMissDetermined
    • By LittleMissDetermined 8th Jun 17, 6:10 AM
    • 1,649 Posts
    • 6,697 Thanks
    LittleMissDetermined
    My offering today is just £5.77
    Target Debt Free Day 27th Jun 2019
    Life gets in the way...PADding is addictive... Saving's better than spending...

    £1000 EF Challenge #142 £1167.44/£1000 ... 3-6Mth Wages Challenge #4 £2364.14/£7129...
    24 months of Debt-busting to go...
    • jet9cat
    • By jet9cat 8th Jun 17, 6:18 AM
    • 1,237 Posts
    • 9,433 Thanks
    jet9cat
    A survey pay out gives me a PAD of £10 for me today please
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • Jo Blogs
    • By Jo Blogs 8th Jun 17, 8:42 AM
    • 750 Posts
    • 2,566 Thanks
    Jo Blogs
    Good morning all

    Great going with all the PADs - keep 'um rolling in

    Wishing you all an extra blessed PADay!
    Saved Nitty Gritty £7440.75 [149%] / £5000-[Aug] £58.44 for the 'Save 12k in 2017' #157
    2017 Womble #35 £3463.27 July NSDs 19/15CCCChl 7/12 months
    July PPChl#002 Pts 71
    • erin_transport
    • By erin_transport 8th Jun 17, 9:37 AM
    • 213 Posts
    • 1,043 Thanks
    erin_transport
    Morning all!
    £20 to savings
    £7 to the new cc I'm going to attack
    £27 total today. Thanks
    On a mission!
    • kirtsypoos
    • By kirtsypoos 8th Jun 17, 11:14 AM
    • 2,870 Posts
    • 12,302 Thanks
    kirtsypoos
    Morning all

    £19 to OH BC for me today please
    £800/3000 OH BC(73.33% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £800/31010.23 (97.42% paid)
    Mortgage - £162,900.00 (2017 O/P £1312.91) PAYDBX 17 #006 - £15299.59/14,539.71 Make £10 Apr £194.58 Make £10 May £159.75 Make £10 June £266.85
    • mumofthetwins
    • By mumofthetwins 8th Jun 17, 3:06 PM
    • 788 Posts
    • 3,544 Thanks
    mumofthetwins
    Hi guys
    Today's PAD Is£100 ...

    Just set up a payment from my bank so only did £100 I will have another few hundred to pay but I just wanted to make sure I set it up properly first lol
    This time I'm sticking with it !!

    May £264.56/£300 NSD lost track but much more than last month / 38 June £216.30/£300 NSD 15/30 July £120.21/£300 NSD 9/15
    PAD
    June £3362.78 July £1753.88
    • ahall3519
    • By ahall3519 8th Jun 17, 9:37 PM
    • 143 Posts
    • 461 Thanks
    ahall3519
    Good evening everyone! Please put me down for £10 to debt two again! Thanks!
    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 July 2017 statement-£677.38=61% paid
    • Lau0707
    • By Lau0707 8th Jun 17, 9:56 PM
    • 73 Posts
    • 353 Thanks
    Lau0707
    Evening all, £22 to my CC today. Frustratingly awaiting my tax rebate's which will help SO much x
    Focusing on Student Overdraft: April- £1350/ £1225.
    • mandz1
    • By mandz1 9th Jun 17, 7:07 AM
    • 2,450 Posts
    • 10,617 Thanks
    mandz1
    Morning all. happy Friday

    £13.00 to very today please.
    PAD Maker
    SPC 570
    • LittleMissDetermined
    • By LittleMissDetermined 9th Jun 17, 8:47 AM
    • 1,649 Posts
    • 6,697 Thanks
    LittleMissDetermined
    Good morning everyone and Happy Friday!

    The total for Thursday the 8th of June is £193.77

    Target Debt Free Day 27th Jun 2019
    Life gets in the way...PADding is addictive... Saving's better than spending...

    £1000 EF Challenge #142 £1167.44/£1000 ... 3-6Mth Wages Challenge #4 £2364.14/£7129...
    24 months of Debt-busting to go...
    • LittleMissDetermined
    • By LittleMissDetermined 9th Jun 17, 8:47 AM
    • 1,649 Posts
    • 6,697 Thanks
    LittleMissDetermined
    My PAD today is £60.35

    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 £1167.44/£1000 ... 3-6Mth Wages Challenge #4 £2364.14/£7129...
    24 months of Debt-busting to go...
    • jet9cat
    • By jet9cat 9th Jun 17, 11:04 AM
    • 1,237 Posts
    • 9,433 Thanks
    jet9cat
    Another £100 off the balance cc today please LMD
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • Chappie77
    • By Chappie77 9th Jun 17, 12:02 PM
    • 94 Posts
    • 510 Thanks
    Chappie77
    Morning all!

    I have been away for a couple of weeks so I am updating today. Having finished paying off my partner's credit card I have now moved on to my Next account so...

    PAD - £100 = £100/£2226.93

    Chappie x
    Payment a Day 2017 £459.70/£459.70 Argos Card
    £1606.17/£1606.17 Barclaycard
    Next £810/£2226.93
    Saving for Xmas 2017 #71 £308/£365
    Virtual Sealed Pot 2017 #13 £353.98/£500
    PAYDBX2017 #67 £3951.55/£5500
    • White-as-Snow
    • By White-as-Snow 9th Jun 17, 12:24 PM
    • 229 Posts
    • 715 Thanks
    White-as-Snow
    HI guys. A good one for me today to various places.
    £423.89 please
    Total Debt:
    Dec 2015: £20,090.87
    Dec 2016: £16,320.85
    • squanderscouse
    • By squanderscouse 9th Jun 17, 12:47 PM
    • 51 Posts
    • 197 Thanks
    squanderscouse
    Haven't posted in a while back into PADing from now on.

    Just paid £100 to Barclaycard
    Bank Loan 5000/PAID Barclaycard 2500/1956.0
    Overdraft 2000/Cleared MBNA Closed
    Littlewoods 1200/157.03

    Long time lurker - so grateful to MSE for helping me reduce my debt. July NSD 2/10
    Sealed pot challenge 10 #568
    • erin_transport
    • By erin_transport 9th Jun 17, 3:20 PM
    • 213 Posts
    • 1,043 Thanks
    erin_transport
    Hi
    My mortgage statement came in the post today (only get one a year and can't view online) and I'm so so pleased with the overpayments making a difference!!!. Chuffed to bits in fact! The Tilly-Tidy at the end of the day makes such an impact. Every £5,£10 really makes a difference. So, £200 today, to the mortgage overpayment - looking forward to seeing it at the top of the statement this time next year.
    On a mission!
    • Florence J
    • By Florence J 9th Jun 17, 5:07 PM
    • 1,516 Posts
    • 8,477 Thanks
    Florence J
    5.07 to Mr L card
    Sealed Pot Challenge 10 #553 (£90) Wombling free 2017 = £1226.22 Pay off all your debts by Xmas 2017 #53 (£2313.43/£3000) Debt to OH paid back £851.75/£1001.75
    July 2017 Credit Card Debt: £4567.40
    • LittleMissDetermined
    • By LittleMissDetermined 10th Jun 17, 8:09 AM
    • 1,649 Posts
    • 6,697 Thanks
    LittleMissDetermined
    Good morning PADdingtons!

    The total for Friday the 9th of June is £1702.31

    Well done guys, we are doing fabulously!
    Last edited by LittleMissDetermined; 12-06-2017 at 6:07 AM.
    Target Debt Free Day 27th Jun 2019
    Life gets in the way...PADding is addictive... Saving's better than spending...

    £1000 EF Challenge #142 £1167.44/£1000 ... 3-6Mth Wages Challenge #4 £2364.14/£7129...
    24 months of Debt-busting to go...
    • kirtsypoos
    • By kirtsypoos 10th Jun 17, 10:22 AM
    • 2,870 Posts
    • 12,302 Thanks
    kirtsypoos
    Morning all

    £112 for me today please LMD
    £800/3000 OH BC(73.33% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £800/31010.23 (97.42% paid)
    Mortgage - £162,900.00 (2017 O/P £1312.91) PAYDBX 17 #006 - £15299.59/14,539.71 Make £10 Apr £194.58 Make £10 May £159.75 Make £10 June £266.85
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