Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 2,982Posts
    • 13,286Thanks
    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
    Last edited by kirtsypoos; 02-10-2017 at 12:41 PM.
    £450/3000 OH BC(85% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £450/31010.23 (98.54% paid)
    Mortgage - £161,950.00 (2017 O/P £1774.74) PAYDBX 17 #006 - £16241.98/14,539.71
Page 77
    • Erme
    • By Erme 10th Jul 17, 8:11 AM
    • 3,593 Posts
    • 21,516 Thanks
    Erme
    I like that - Pad Express Choo choo!!!

    yeah newbies - just jump right in with your pads. No hard and fast rules and we're not about kicking you when you're down but reminding you there's life at the end of the tunnel

    For example one of my friends has just learnt to budget - this has taken him 10 years to learn how to budget - I am made up

    and thanks guys my refund got processed but I then went and spent it on a new reduced priced phone I didn't need

    My poor savings

    Have a good week folks

    E

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


    • jet9cat
    • By jet9cat 10th Jul 17, 11:24 AM
    • 1,310 Posts
    • 9,837 Thanks
    jet9cat
    Yesterday's fab total was




    £541.76
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • mandz1
    • By mandz1 10th Jul 17, 5:47 PM
    • 2,479 Posts
    • 10,757 Thanks
    mandz1
    hello everybody

    £4.88 to very today please
    PAD Maker
    SPC 570
    • mumofthetwins
    • By mumofthetwins 10th Jul 17, 5:59 PM
    • 870 Posts
    • 3,802 Thanks
    mumofthetwins
    £70 PAD for me today .. Whoop !
    This time I'm sticking with it !!
    Oct /£300 3NSD
    PAD
    June £3362.78 July £1803.88 Aug £1895 Oct £483.77
    • ahall3519
    • By ahall3519 10th Jul 17, 7:29 PM
    • 166 Posts
    • 568 Thanks
    ahall3519
    Good evening everyone! Please put me down for £5 to the usual debt two! Thanks
    Barclaycard Debit as of April 2016-£1008.07
    As of 30th January 2017=100% paid

    Lloyds Credit Card Debt number 2 as of January 2017-£1757.96
    As of October 2017 statement-£202.25=88% paid
    • sashanut
    • By sashanut 10th Jul 17, 11:27 PM
    • 2,529 Posts
    • 23,677 Thanks
    sashanut
    Hi all

    Popping in to PAD 20.56 to M&S cc plz jet9cat - 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
    • Jo Blogs
    • By Jo Blogs 11th Jul 17, 5:10 AM
    • 751 Posts
    • 2,594 Thanks
    Jo Blogs
    Good morning everyone

    Awesome Padding as always

    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
    • Florence J
    • By Florence J 11th Jul 17, 10:40 AM
    • 1,601 Posts
    • 9,068 Thanks
    Florence J
    £2.45 to Mr L CC
    Sealed Pot Challenge 10 #553 (£90) Wombling free 2017 = £1623.56 Pay off all your debts by Xmas 2017 #53 (£2953.21/£3000) Debt to OH paid back £1120.95/£1120.95
    October 2017 Credit Card Debt: £4163.86
    • mandz1
    • By mandz1 11th Jul 17, 10:43 AM
    • 2,479 Posts
    • 10,757 Thanks
    mandz1
    £2.40 to very again please
    PAD Maker
    SPC 570
    • laurababs
    • By laurababs 11th Jul 17, 12:46 PM
    • 220 Posts
    • 1,387 Thanks
    laurababs
    PAD of £3.39 today
    PADDING since 06-07-17

    Total so far £80.09
    • jet9cat
    • By jet9cat 11th Jul 17, 6:04 PM
    • 1,310 Posts
    • 9,837 Thanks
    jet9cat
    Good afternoon everyone, hope you're enjoying the tennis


    Total for 10th July was a small but perfectly formed


    £109.31
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • Florence J
    • By Florence J 11th Jul 17, 6:52 PM
    • 1,601 Posts
    • 9,068 Thanks
    Florence J
    I'm on a roll!

    £82 to debt I owe OH

    £20 to Mr L CC
    Sealed Pot Challenge 10 #553 (£90) Wombling free 2017 = £1623.56 Pay off all your debts by Xmas 2017 #53 (£2953.21/£3000) Debt to OH paid back £1120.95/£1120.95
    October 2017 Credit Card Debt: £4163.86
    • kirtsypoos
    • By kirtsypoos 11th Jul 17, 11:13 PM
    • 2,982 Posts
    • 13,286 Thanks
    kirtsypoos
    Evening all!

    £46.04 for me today please
    £450/3000 OH BC(85% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £450/31010.23 (98.54% paid)
    Mortgage - £161,950.00 (2017 O/P £1774.74) PAYDBX 17 #006 - £16241.98/14,539.71
    • sashanut
    • By sashanut 12th Jul 17, 12:05 AM
    • 2,529 Posts
    • 23,677 Thanks
    sashanut
    Hi all

    Popping in to PAD £42.00 to M&S cc plz jet9cat - 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
    • erin_transport
    • By erin_transport 12th Jul 17, 12:10 AM
    • 286 Posts
    • 1,368 Thanks
    erin_transport
    Hi
    Missed a few days due to being on a family holiday.
    £58 to cc
    Thanks
    On a mission!
    • Jo Blogs
    • By Jo Blogs 12th Jul 17, 4:26 AM
    • 751 Posts
    • 2,594 Thanks
    Jo Blogs
    Good morning everyone

    Super going with all the amazing PADs

    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
    • laurababs
    • By laurababs 12th Jul 17, 6:57 AM
    • 220 Posts
    • 1,387 Thanks
    laurababs
    PAD of £5.00 today
    PADDING since 06-07-17

    Total so far £80.09
    • mumofthetwins
    • By mumofthetwins 12th Jul 17, 9:21 AM
    • 870 Posts
    • 3,802 Thanks
    mumofthetwins
    £40 PAD for me today ... Whoop !
    This time I'm sticking with it !!
    Oct /£300 3NSD
    PAD
    June £3362.78 July £1803.88 Aug £1895 Oct £483.77
    • ahall3519
    • By ahall3519 12th Jul 17, 10:19 AM
    • 166 Posts
    • 568 Thanks
    ahall3519
    Good morning everyone! Please put me down for £20 to the usual debt two! Thanks!
    Barclaycard Debit as of April 2016-£1008.07
    As of 30th January 2017=100% paid

    Lloyds Credit Card Debt number 2 as of January 2017-£1757.96
    As of October 2017 statement-£202.25=88% paid
    • mandz1
    • By mandz1 12th Jul 17, 6:49 PM
    • 2,479 Posts
    • 10,757 Thanks
    mandz1
    £2.21 to very please
    PAD Maker
    SPC 570
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

3,648Posts Today

8,399Users online

Martin's Twitter