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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 2,833Posts
    • 12,643Thanks
    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
    Last edited by kirtsypoos; 01-08-2017 at 7:38 PM.
    £700/3000 OH BC(76.66% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £700/31010.23 (97.74% paid)
    Mortgage - £162,500.00 (2017 O/P £1469.82) PAYDBX 17 #006 - £15575.72/14,539.71
Page 66
    • ahall3519
    • By ahall3519 12th Jun 17, 8:21 PM
    • 151 Posts
    • 497 Thanks
    ahall3519
    Good evening everyone! Please put me down for £5 to the usual debt 2!

    I agree jet9cat
    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 August 2017 statement-£527.38=70% paid
    • erin_transport
    • By erin_transport 12th Jun 17, 10:53 PM
    • 234 Posts
    • 1,145 Thanks
    erin_transport
    Hi
    Just a cc2 payment of £3.48 this evening.
    Thanks
    On a mission!
    • LittleMissDetermined
    • By LittleMissDetermined 13th Jun 17, 6:13 AM
    • 1,687 Posts
    • 6,897 Thanks
    LittleMissDetermined
    Good morning PADdingtons!

    The total for Monday the 12th of June is £308.52

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

    £1000 EF Challenge #142 £1276.64/£1000 ... 3-6Mth Wages Challenge #4 £2364.14/£7129...
    24 months of Debt-busting to go...
    • LittleMissDetermined
    • By LittleMissDetermined 13th Jun 17, 6:14 AM
    • 1,687 Posts
    • 6,897 Thanks
    LittleMissDetermined
    My own PAD today is £200
    Target Debt Free Day 27th Jun 2019
    Life gets in the way...PADding is addictive... Saving's better than spending...

    £1000 EF Challenge #142 £1276.64/£1000 ... 3-6Mth Wages Challenge #4 £2364.14/£7129...
    24 months of Debt-busting to go...
    • jet9cat
    • By jet9cat 13th Jun 17, 6:43 AM
    • 1,260 Posts
    • 9,568 Thanks
    jet9cat
    £39 paid off today please LMD
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • mumofthetwins
    • By mumofthetwins 13th Jun 17, 8:33 AM
    • 835 Posts
    • 3,645 Thanks
    mumofthetwins
    another £100 paid for me this morning (my ebay seems to be going pretty well this week .. hopefully ill get another in today as im waiting for a few bits to be paid for.


    Thanks again guys x
    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 11/15 Aug £96.46/£300 6 NSD
    PAD
    June £3362.78 July £1803.88 Aug £1595
    • squanderscouse
    • By squanderscouse 13th Jun 17, 1:49 PM
    • 56 Posts
    • 209 Thanks
    squanderscouse
    Hiya!

    £50 to Barclaycard for me please
    Last edited by squanderscouse; 13-06-2017 at 1:51 PM.
    Bank Loan 5000/PAID Barclaycard 2500/1872.13
    Overdraft 2000/Cleared MBNA Closed
    Littlewoods 1200/157.03

    Long time lurker - so grateful to MSE for helping me reduce my debt. August NSD 6/10
    Sealed pot challenge 10 #568
    • erin_transport
    • By erin_transport 13th Jun 17, 3:20 PM
    • 234 Posts
    • 1,145 Thanks
    erin_transport
    Hi
    £20 to pension pot
    Thanks
    On a mission!
    • sashanut
    • By sashanut 13th Jun 17, 11:45 PM
    • 2,488 Posts
    • 23,384 Thanks
    sashanut
    Hi all


    Been MIA but Popping in to PAD £55.00 to M&S cc plz LMD - tkyou!!
    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
    • mandz1
    • By mandz1 14th Jun 17, 6:59 AM
    • 2,458 Posts
    • 10,662 Thanks
    mandz1
    £3.74 to very for me today please
    PAD Maker
    SPC 570
    • LittleMissDetermined
    • By LittleMissDetermined 14th Jun 17, 8:29 AM
    • 1,687 Posts
    • 6,897 Thanks
    LittleMissDetermined
    Good morning PADdingtons!

    The total for Tuesday the 13th of June is £464.00

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

    £1000 EF Challenge #142 £1276.64/£1000 ... 3-6Mth Wages Challenge #4 £2364.14/£7129...
    24 months of Debt-busting to go...
    • LittleMissDetermined
    • By LittleMissDetermined 14th Jun 17, 8:32 AM
    • 1,687 Posts
    • 6,897 Thanks
    LittleMissDetermined
    My PAD today is £200

    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 £1276.64/£1000 ... 3-6Mth Wages Challenge #4 £2364.14/£7129...
    24 months of Debt-busting to go...
    • mumofthetwins
    • By mumofthetwins 14th Jun 17, 8:36 AM
    • 835 Posts
    • 3,645 Thanks
    mumofthetwins
    Expenses went in for me today so another £100 PAD .. Whoop ...

    I still have last nights ebay stuff to sort so hopefully another one later today or tomorrow
    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 11/15 Aug £96.46/£300 6 NSD
    PAD
    June £3362.78 July £1803.88 Aug £1595
    • erin_transport
    • By erin_transport 14th Jun 17, 10:02 AM
    • 234 Posts
    • 1,145 Thanks
    erin_transport
    Hi
    Just £6 to cc today
    Thanks
    On a mission!
    • ahall3519
    • By ahall3519 14th Jun 17, 8:09 PM
    • 151 Posts
    • 497 Thanks
    ahall3519
    Good evening everyone! Hope everyone is well! Please put me down for another £5to debt two! 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 August 2017 statement-£527.38=70% paid
    • squanderscouse
    • By squanderscouse 14th Jun 17, 9:58 PM
    • 56 Posts
    • 209 Thanks
    squanderscouse
    Hi everybody,

    £10 to Barclaycard

    £10 to savings
    Bank Loan 5000/PAID Barclaycard 2500/1872.13
    Overdraft 2000/Cleared MBNA Closed
    Littlewoods 1200/157.03

    Long time lurker - so grateful to MSE for helping me reduce my debt. August NSD 6/10
    Sealed pot challenge 10 #568
    • sashanut
    • By sashanut 14th Jun 17, 11:45 PM
    • 2,488 Posts
    • 23,384 Thanks
    sashanut
    Hi all


    Popping in to PAD £12.98 to M&S cc plz LMD - tkyou!!
    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 15th Jun 17, 5:52 AM
    • 1,687 Posts
    • 6,897 Thanks
    LittleMissDetermined
    Good morning PADdingtons!

    The total for Wednesday the 14th of June is £347.72

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

    £1000 EF Challenge #142 £1276.64/£1000 ... 3-6Mth Wages Challenge #4 £2364.14/£7129...
    24 months of Debt-busting to go...
    • LittleMissDetermined
    • By LittleMissDetermined 15th Jun 17, 5:56 AM
    • 1,687 Posts
    • 6,897 Thanks
    LittleMissDetermined
    My PAD today is £39.98 to the credit card

    Hope everyone has a good day

    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 £1276.64/£1000 ... 3-6Mth Wages Challenge #4 £2364.14/£7129...
    24 months of Debt-busting to go...
    • Erme
    • By Erme 15th Jun 17, 5:58 AM
    • 3,585 Posts
    • 21,456 Thanks
    Erme
    Great to see all the newbies and your padding - it rocks and this is such a lovely encouraging, non judgemental thread (apart from when i put my foot in it :-( )

    Today I'm at the vets soon with SF for a procedure for his biting and not much sleep so will have anxiety later. So long as I'm not spaced I figure I'm on a winner. Also got neighbour's old cooker the other day - sparky is coming to put it in next week so praying part of it works and no major electrical faults with it (is a double oven so one oven working and a few rings on the hob and possibly grill to and am happy). This guy is coming from a charity called care and repair for which I qualify for so worth knowing about for sparky/handyman if you are disabled/elderly or know someone who is

    Anyhow like I said keep on padding (padding from thy heart - one fine day you're going to get debt free cos I know ya will - oh yeah - I know ya will)


    E

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


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