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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 2,861Posts
    • 12,268Thanks
    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.
    £835/3000 OH BC(72.16% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £835/31010.23 (97.30% paid)
    Mortgage - £162,900.00 (2017 O/P £1312.91) PAYDBX 17 #006 - £15264.59/14,539.71 Make £10 Apr £194.58 Make £10 May £159.75 Make £10 June £266.85
Page 67
    • mumofthetwins
    • By mumofthetwins 15th Jun 17, 11:11 AM
    • 783 Posts
    • 3,531 Thanks
    mumofthetwins
    Erme I have to agree .. Everyone seems so nice and supportive ��

    I managed to go through PayPal this morning so another £250 PAD for me today ...

    I've got no ebay finishing tomorrow so I've decided I'm going to go through my bags and see what I find in purses n stuff .. This PADing is addictive 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 6/15
    PAD
    June £3362.78 July £1403.88
    • brednall
    • By brednall 15th Jun 17, 12:36 PM
    • 505 Posts
    • 2,814 Thanks
    brednall
    Hi all - coming back to Money Saving after a while away but I think things are getting away from me.

    Looking at doing the PAD challenge but still getting my head around it. I have 2 credit cards that definitely need reducing. £4.86 now paid to one which leaves my bank with a nice round balance. Hope this is how its meant to work.
    Last edited by brednall; 15-06-2017 at 1:03 PM.
    Baby daughter born 27/01/10 - Jessica Evie 8lbs 3ozs

    Baby son born 26/06/11 - Daniel Alan 7lbs 2ozs
    • kirtsypoos
    • By kirtsypoos 15th Jun 17, 12:37 PM
    • 2,861 Posts
    • 12,268 Thanks
    kirtsypoos
    Welcome back brednall

    PAD works however is best for you - it can be a penny if that's what you have available, or just a quick check in even if you can't PAD that day - really keeps motivation up
    £835/3000 OH BC(72.16% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £835/31010.23 (97.30% paid)
    Mortgage - £162,900.00 (2017 O/P £1312.91) PAYDBX 17 #006 - £15264.59/14,539.71 Make £10 Apr £194.58 Make £10 May £159.75 Make £10 June £266.85
    • kirtsypoos
    • By kirtsypoos 15th Jun 17, 12:38 PM
    • 2,861 Posts
    • 12,268 Thanks
    kirtsypoos
    Afternoon all,

    £11.29 to mortgage today please
    £835/3000 OH BC(72.16% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £835/31010.23 (97.30% paid)
    Mortgage - £162,900.00 (2017 O/P £1312.91) PAYDBX 17 #006 - £15264.59/14,539.71 Make £10 Apr £194.58 Make £10 May £159.75 Make £10 June £266.85
    • jet9cat
    • By jet9cat 15th Jun 17, 4:02 PM
    • 1,234 Posts
    • 9,424 Thanks
    jet9cat
    Another £5 paid off for me today please LMD
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • mandz1
    • By mandz1 16th Jun 17, 6:41 AM
    • 2,450 Posts
    • 10,617 Thanks
    mandz1
    morning all, happy Friday.
    an unusually big one for me today. £150 to bank of mum and £153.59 to cc1

    total PAD of £303.59
    PAD Maker
    SPC 570
    • jet9cat
    • By jet9cat 16th Jun 17, 6:54 AM
    • 1,234 Posts
    • 9,424 Thanks
    jet9cat
    £50 paid to the balance cc for me today please
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • LittleMissDetermined
    • By LittleMissDetermined 16th Jun 17, 8:08 AM
    • 1,647 Posts
    • 6,691 Thanks
    LittleMissDetermined
    Good morning PADdingtons! Welcome back Brednall

    The total for Thursday the 15th of June is £311.13

    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 16th Jun 17, 8:09 AM
    • 1,647 Posts
    • 6,691 Thanks
    LittleMissDetermined
    Back with my own PAD for the day, I have decided to move my expenses payments to my EF, in case anything goes wrong with the car I can use my mileage claims to pay for it.


    £37.60 for me today to EF
    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...
    • redkelly
    • By redkelly 16th Jun 17, 10:36 AM
    • 197 Posts
    • 1,452 Thanks
    redkelly
    Hi All

    Only A £5.82 payment this week need to get in gear with paying this off
    Payment a Day : Creation £1416.05 to Pay : Paid £1416.50 100% Gone

    Capital One : £2169.37 to pay : Paid £50.63

    M & S : £3207.29 to Pay : Paid £130.00
    • Lau0707
    • By Lau0707 16th Jun 17, 11:28 AM
    • 73 Posts
    • 353 Thanks
    Lau0707
    Morning all, so we decided to buy the kids a swimming pool for £17. We really want to stop spending money we don't have at the weekends when my husband is home, so finding ways to keep occupied at home. Lots of walks to the park as my eldest now rides his bike, and trying to have as many NSDs as we can :-)

    I got my rebate, but with my car service due next week, council tax and £75 for my half of a holiday next year to disney, It left us with about £100 :'( But £33.25 onto the credit card today Looking forward to putting more on next week xx
    Focusing on Student Overdraft: April- £1350/ £1225.
    • Chappie77
    • By Chappie77 16th Jun 17, 1:00 PM
    • 91 Posts
    • 502 Thanks
    Chappie77
    Afternoon all!

    Checking in with a PAD...

    £100 off Next = £200/£2226.93

    Chappie x
    Payment a Day 2017 £459.70/£459.70 Argos Card
    £1606.17/£1606.17 Barclaycard
    Next £560/£2226.93
    Saving for Xmas 2017 #71 £277/£365
    Virtual Sealed Pot 2017 #13 £323.07/£500
    PAYDBX2017 #67 £3701.55/£5500
    • erin_transport
    • By erin_transport 16th Jun 17, 2:30 PM
    • 210 Posts
    • 1,033 Thanks
    erin_transport
    Not feeling great today but £30 off the cc will cheer me up when the statement comes
    On a mission!
    • sashanut
    • By sashanut 16th Jun 17, 11:55 PM
    • 2,475 Posts
    • 23,326 Thanks
    sashanut
    Hi all


    Popping in to PAD £38.94 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 17th Jun 17, 7:36 AM
    • 1,647 Posts
    • 6,691 Thanks
    LittleMissDetermined
    Good morning PADdingtons!

    The total for Friday the 16th of June is £599.20

    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 17th Jun 17, 7:38 AM
    • 1,647 Posts
    • 6,691 Thanks
    LittleMissDetermined
    Back with my offering of £30.51 today

    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...
    • Jo Blogs
    • By Jo Blogs 17th Jun 17, 3:21 PM
    • 750 Posts
    • 2,562 Thanks
    Jo Blogs
    Hi folks

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

    Wishing you all a very blessed PAD weekend
    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
    • mandz1
    • By mandz1 17th Jun 17, 3:27 PM
    • 2,450 Posts
    • 10,617 Thanks
    mandz1
    £217.80 to pay off cc2
    as soon as payment is processed I will cancel the card.
    PAD Maker
    SPC 570
    • sashanut
    • By sashanut 17th Jun 17, 9:49 PM
    • 2,475 Posts
    • 23,326 Thanks
    sashanut
    Hi all


    Popping in to PAD £10.00 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
    • Florence J
    • By Florence J 17th Jun 17, 9:50 PM
    • 1,508 Posts
    • 8,412 Thanks
    Florence J
    £2.87 to Mr L CC today
    Sealed Pot Challenge 10 #553 (£90) Wombling free 2017 = £1225.72 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
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