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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 3,208Posts
    • 14,240Thanks
    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
    Last edited by kirtsypoos; 01-01-2018 at 4:20 PM.
    £70/3000 OH BC(97.66% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £70/31010.23 (99.77% paid)
    Mortgage - £159,900.00 (2017/2018 O/P £2877.06) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £991.66/£4000
Page 76
    • mumofthetwins
    • By mumofthetwins 7th Jul 17, 9:41 AM
    • 891 Posts
    • 3,872 Thanks
    mumofthetwins
    PAD today of £159.62 .. yay
    This time I'm sticking with it !!
    Jan £3.40/£300 2/10 NSD
    PAD
    Jan £374
    • mandz1
    • By mandz1 7th Jul 17, 10:20 AM
    • 2,516 Posts
    • 10,943 Thanks
    mandz1
    £25 to very today please.

    have a great holiday LMD
    PAD Maker
    SPC 570
    • jet9cat
    • By jet9cat 7th Jul 17, 11:17 AM
    • 1,404 Posts
    • 10,363 Thanks
    jet9cat
    Welcome to the thread laurababs


    Total for 6 July is a terrific £444.65
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • jet9cat
    • By jet9cat 7th Jul 17, 11:20 AM
    • 1,404 Posts
    • 10,363 Thanks
    jet9cat
    And my own PAD today is £26.70
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • ahall3519
    • By ahall3519 7th Jul 17, 11:33 PM
    • 205 Posts
    • 722 Thanks
    ahall3519
    Good evening everyone! It's a bit late for me but put me down for £5 to debt two! Slowly but surely it's coming down!
    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=£826.43=31% paid
    • laurababs
    • By laurababs 8th Jul 17, 8:09 AM
    • 220 Posts
    • 1,387 Thanks
    laurababs
    Happy Saturday all!

    PAD of £5.52 for me today
    PADDING since 06-07-17

    Total so far £80.09
    • Jo Blogs
    • By Jo Blogs 8th Jul 17, 9:32 AM
    • 718 Posts
    • 2,596 Thanks
    Jo Blogs
    Good morning everyone

    Fantastic going with all the PADs - Let's go, go, gooooooooooo

    Wishing you all a super PADay!
    Saved Nitty Gritty £7440.75 [149%] / £5000-[Sep] £58.44 for the 'Save 12k in 2017' #157
    2017 Womble #35 £3463.27 Sept NSDs 4/15CCCChl 9/12 months
    Sept PPChl#002 Pts 71
    • Chandelier.
    • By Chandelier. 8th Jul 17, 9:57 AM
    • 544 Posts
    • 1,470 Thanks
    Chandelier.
    Morning,

    Hope no one minds me joining in
    I don't think I'll make a PAD everyday but I usually make lump sum payments several times over the month.

    I'm off to check my bank account and align these up.
    Check out my Diary
    • Chandelier.
    • By Chandelier. 8th Jul 17, 10:04 AM
    • 544 Posts
    • 1,470 Thanks
    Chandelier.
    £20.00
    PAD made this morning.
    Check out my Diary
    • jet9cat
    • By jet9cat 8th Jul 17, 12:40 PM
    • 1,404 Posts
    • 10,363 Thanks
    jet9cat
    Morning,

    Hope no one minds me joining in
    I don't think I'll make a PAD everyday but I usually make lump sum payments several times over the month.

    I'm off to check my bank account and align these up.
    Originally posted by Chandelier.

    Certainly don't mind you joining in, the more the merrier as far as we're concerned on this thread. Although we're a Payment a Day thread not many make payments every day but it does help to keep focussed on chipping away when we can manage it.


    My PAD today is £171.00
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • jet9cat
    • By jet9cat 8th Jul 17, 12:41 PM
    • 1,404 Posts
    • 10,363 Thanks
    jet9cat
    A nice steady total yesterday of




    £323.24
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • laurababs
    • By laurababs 9th Jul 17, 7:27 AM
    • 220 Posts
    • 1,387 Thanks
    laurababs
    PAD of £1.39
    PADDING since 06-07-17

    Total so far £80.09
    • Chandelier.
    • By Chandelier. 9th Jul 17, 9:50 AM
    • 544 Posts
    • 1,470 Thanks
    Chandelier.
    £180.00

    Paid today
    Check out my Diary
    • Florence J
    • By Florence J 9th Jul 17, 10:59 AM
    • 1,857 Posts
    • 11,050 Thanks
    Florence J
    £5.37 to Mr L CC
    Sealed Pot Challenge 11 #553
    £1000 Emergency Fund Challenge #253
    Wombling free 2017 = £2195.92
    Pay off all your debts by Xmas 2017 #53 (£3168.45/£3000)
    November 2017 Credit Card Debt: £3980
    • Chappie77
    • By Chappie77 9th Jul 17, 11:18 AM
    • 138 Posts
    • 694 Thanks
    Chappie77
    Morning all!

    My PAD of £150 towards my Next account this week.

    Chappie x
    Payment a Day 2018 Very £227.17/£1234.09 Saving for Xmas 2018 £63/£500 Virtual Sealed Pot 2018 £90/£700 PAYDBX2018 £450.48/£7268.47 £2 Savers Club 2018 £70
    • Jo Blogs
    • By Jo Blogs 9th Jul 17, 11:20 AM
    • 718 Posts
    • 2,596 Thanks
    Jo Blogs
    Morning,

    Hope no one minds me joining in
    Originally posted by Chandelier.
    Welcome aboard the PAD express

    Great going with all the wonderful PADs folks - Let's get those extra special PADs rolling on in

    Wishing you all an extra blessed PADay!
    Saved Nitty Gritty £7440.75 [149%] / £5000-[Sep] £58.44 for the 'Save 12k in 2017' #157
    2017 Womble #35 £3463.27 Sept NSDs 4/15CCCChl 9/12 months
    Sept PPChl#002 Pts 71
    • sashybo
    • By sashybo 9th Jul 17, 5:15 PM
    • 2,531 Posts
    • 19,289 Thanks
    sashybo
    Hi all, a PAD of £5 today, have been a bit rubbish at posting but still making my payments.

    Welcome to PAD laurababs & Chandelier.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £9575 extra paid off debt. Total Debt paid off £48,575.28
    Loan £3334.75, CC 0% BT £892, Car loans £22,879.88

    Have a Debt Free Diary to try & keep spending in check.
    • jet9cat
    • By jet9cat 9th Jul 17, 7:48 PM
    • 1,404 Posts
    • 10,363 Thanks
    jet9cat
    Had a surprise day out today so a bit later posting the total than I meant.
    total for Saturday 8th July was


    £196.52
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • jet9cat
    • By jet9cat 9th Jul 17, 7:49 PM
    • 1,404 Posts
    • 10,363 Thanks
    jet9cat
    PAD for me today of £200 to OH's cc which had been starting to creep up again.
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • laurababs
    • By laurababs 10th Jul 17, 6:52 AM
    • 220 Posts
    • 1,387 Thanks
    laurababs
    PAD of £8.87 this morning

    Happy Monday all!
    PADDING since 06-07-17

    Total so far £80.09
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