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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 3,095Posts
    • 13,777Thanks
    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
    Last edited by kirtsypoos; 01-12-2017 at 12:15 PM.
    £150/3000 OH BC(95% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £150/31010.23 (99.51% paid)
    Mortgage - £160,500.00 (2017 O/P £2475.46) PAYDBX 17 #006 - £18,079.25/14,539.71
Page 68
    • erin_transport
    • By erin_transport 17th Jun 17, 11:08 PM
    • 345 Posts
    • 1,626 Thanks
    erin_transport
    Hi
    £58 to the cc today
    On a mission!
    • LittleMissDetermined
    • By LittleMissDetermined 18th Jun 17, 8:06 AM
    • 1,823 Posts
    • 7,627 Thanks
    LittleMissDetermined
    Good morning PADdingtons!

    The total for Saturday the 17th of June is £329.18

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

    £1000 EF Challenge #142 £1285/£1000 ... 3-6Mth Wages Challenge #4 £4100/£7129...
    24 months of Debt-busting to go...
    • LittleMissDetermined
    • By LittleMissDetermined 18th Jun 17, 8:07 AM
    • 1,823 Posts
    • 7,627 Thanks
    LittleMissDetermined
    Just a bank round down of £1.73 for me 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 £1285/£1000 ... 3-6Mth Wages Challenge #4 £4100/£7129...
    24 months of Debt-busting to go...
    • jet9cat
    • By jet9cat 18th Jun 17, 9:03 AM
    • 1,366 Posts
    • 10,172 Thanks
    jet9cat
    Congrats Mandz on paying off your card.


    £150 to OH cc for me today please
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • erin_transport
    • By erin_transport 18th Jun 17, 11:16 PM
    • 345 Posts
    • 1,626 Thanks
    erin_transport
    Evening
    £2 to saving
    £2 to cc
    £20 to pension pot
    £24 totaltoday.
    On a mission!
    • sashanut
    • By sashanut 18th Jun 17, 11:37 PM
    • 2,619 Posts
    • 24,394 Thanks
    sashanut
    Hi all


    Popping in to PAD £35.04 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
    • Erme
    • By Erme 19th Jun 17, 6:15 AM
    • 3,596 Posts
    • 21,541 Thanks
    Erme
    Ok for folk like me who've had a bad weekend, not much sleep last night and are full of anxiety I am presenting myself and the rest of us with some anti stress stuff this am

    E

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


    • LittleMissDetermined
    • By LittleMissDetermined 19th Jun 17, 6:26 AM
    • 1,823 Posts
    • 7,627 Thanks
    LittleMissDetermined
    Good morning PADdingtons! What a lovely treat this morning Erme

    The total for Sunday the 18th of June is £210.77

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

    £1000 EF Challenge #142 £1285/£1000 ... 3-6Mth Wages Challenge #4 £4100/£7129...
    24 months of Debt-busting to go...
    • LittleMissDetermined
    • By LittleMissDetermined 19th Jun 17, 6:27 AM
    • 1,823 Posts
    • 7,627 Thanks
    LittleMissDetermined
    £2 to the piggy bank for me 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 £1285/£1000 ... 3-6Mth Wages Challenge #4 £4100/£7129...
    24 months of Debt-busting to go...
    • mumofthetwins
    • By mumofthetwins 19th Jun 17, 10:18 AM
    • 880 Posts
    • 3,815 Thanks
    mumofthetwins
    Quiet weekend for me but on a plus note did manage to get my groceries in pretty cheaply and a NSD on sunday .. whoop


    Back on it today and a PAD of £55 made today


    loving the tea and macaroons mmmm


    Lisa x
    This time I'm sticking with it !!
    Oct /£300 3NSD
    PAD
    June £3362.78 July £1803.88 Aug £1895 Oct £483.77
    • Lau0707
    • By Lau0707 19th Jun 17, 11:04 AM
    • 73 Posts
    • 372 Thanks
    Lau0707
    Morning all, fairly expensive day on Saturday as hubby decided he wanted a bbq :'( Other than that, we managed an NSD sunday!!! yay!!!

    So, I've done £10 to Next today, but debating where to put £20, onto OD, or CC I'll have a think about it today and let you know where I place it later :-) x
    Focusing on Student Overdraft: April- £1350/ £1225.
    • sashanut
    • By sashanut 19th Jun 17, 11:45 PM
    • 2,619 Posts
    • 24,394 Thanks
    sashanut
    Hi all


    Popping in to PAD £21.20 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 20th Jun 17, 5:57 AM
    • 1,823 Posts
    • 7,627 Thanks
    LittleMissDetermined
    Good morning PADdingtons! Hope everyone is coping with the hot weather

    The total for Monday the 19th of June is £78.20 a bit thin on the ground lately, I guess it's holiday season

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

    £1000 EF Challenge #142 £1285/£1000 ... 3-6Mth Wages Challenge #4 £4100/£7129...
    24 months of Debt-busting to go...
    • LittleMissDetermined
    • By LittleMissDetermined 20th Jun 17, 5:58 AM
    • 1,823 Posts
    • 7,627 Thanks
    LittleMissDetermined
    Bank round down of £4.05 to the credit card 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 £1285/£1000 ... 3-6Mth Wages Challenge #4 £4100/£7129...
    24 months of Debt-busting to go...
    • jet9cat
    • By jet9cat 20th Jun 17, 6:26 AM
    • 1,366 Posts
    • 10,172 Thanks
    jet9cat
    Morning all


    £10 to cc and £1.25 to EF for me today please
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • kirtsypoos
    • By kirtsypoos 20th Jun 17, 9:05 AM
    • 3,095 Posts
    • 13,777 Thanks
    kirtsypoos
    Morning all!

    £99.50 for me today please LMD - sorry I'm not around as much at the moment - all extra monies are going to our NZ fund in preparation for our October trip so not much left for PADs!
    £150/3000 OH BC(95% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £150/31010.23 (99.51% paid)
    Mortgage - £160,500.00 (2017 O/P £2475.46) PAYDBX 17 #006 - £18,079.25/14,539.71
    • erin_transport
    • By erin_transport 20th Jun 17, 10:49 PM
    • 345 Posts
    • 1,626 Thanks
    erin_transport
    Evening!!
    £2 to cc
    £2 to savings
    £6 to cc2
    £10 total today. Thanks.
    On a mission!
    • sashanut
    • By sashanut 20th Jun 17, 11:39 PM
    • 2,619 Posts
    • 24,394 Thanks
    sashanut
    Hi all


    Popping in to PAD £318.40 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 21st Jun 17, 5:39 AM
    • 1,823 Posts
    • 7,627 Thanks
    LittleMissDetermined
    Good morning PADdingtons!

    The total for Tuesday the 20th of June is £443.20

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

    £1000 EF Challenge #142 £1285/£1000 ... 3-6Mth Wages Challenge #4 £4100/£7129...
    24 months of Debt-busting to go...
    • LittleMissDetermined
    • By LittleMissDetermined 21st Jun 17, 5:41 AM
    • 1,823 Posts
    • 7,627 Thanks
    LittleMissDetermined
    All accounts so very nearly rounded so just 20p to savings for me today

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

    £1000 EF Challenge #142 £1285/£1000 ... 3-6Mth Wages Challenge #4 £4100/£7129...
    24 months of Debt-busting to go...
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