Payment A Day Chapter 18
kirtsypoos
Forumite Posts: 3,824
Forumite
*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
January 2018
£28,031.72
February 2018
£12,993.43
March 2018
£15,742.14
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
January 2018
£28,031.72
February 2018
£12,993.43
March 2018
£15,742.14
:j PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID :j LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid) :eek:
Mortgage - £151.316.54 :eek:
Mortgage - £151.316.54 :eek:
0
Comments
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Morning all,
£115.00 for me today please Keedie
:j PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID :j LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid) :eek:
Mortgage - £151.316.54 :eek:0 -
Morning All,
The total for 22nd January 2017, and the first for Chapter 18 is £54.69 :cool:
Thanks for creating the new thread Kirstypoos and for the reminder Erme :T
Have a good day everyone,
xDebt Free Diary:- The Mental Debt Struggle... https://forums.moneysavingexpert.com/discussion/6364598/the-mental-debt-struggle/p1?new=1
Debt Tracking Restart Take 3 from 01/05/2023 = £22,573.30 (8 creditors) So, on 01/10/2023 = £11,973.30/£22,573.30 (2 creditors) = 53.04% repaid Aiming to be Debt Free = 31/12/2025
THE BURDEN RESTART TRACKER:- Bank of Mum 3 - school fees (£2,200/£4,800) 45.83% repaid || Barclaycard (£4,096.23/£12,096.23) 33.86% repaid
🎉 TUI (£2,276.04/£2,276.04) 100% repaid || Bank of Mum 1 - car (£150/£150) 100% repaid || Bank of Mum 2 - family holiday (£300/£300) 100% repaid || MBNA (£875/£875) 100% repaid || Creation (£1,070/£1,070) 100% repaid || Sky Mobile (£1,006.03/£1,006.03) 100% repaid 🎉
(Original Debt on 15/07/2016 was £33,056.76) 🙈
2023 SAVINGS:- Emergency Fund (£375.73/£750) 50.10% saved || 2023 CHALLENGES:- #42 Debt Free Before Xmas 23 (£5,272.88/£6,000) 87.88% repaid || Debt Buster Pot (£126.05/£250) 50.42% debt neutral0 -
Morning all
£13.87 to cc pleasePAD Maker0 -
Thanks for creating a new thread Kirstypoos
My great news of this am is that I've found the part to my coffee machine I'd lost - so for everyone who loves the good brown stuff (and no I don't mean class a drugs LOL) - this smiley is for thee -
Today is going to be good - espressos are back in my life!!!
E:dance:
I believe in the power of PAD
Come and join us on the Payment a Day thread
:dance:
0 -
Hi everyone!
£2.50 off cc1
£2.50 off cc2
£5.00 O/P on mortgage
£10.00 for me this morning please.On a mission!
2018 & 2019 MFW #138
On babystep2 (#DR)0 -
Hi all :j
My PAD is £78.21 - pmt to M&S cc - thanks Keedie!!New start JAN15 - NOT BUYING IT 2015 :eek:. 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 :happyhear0 -
Hi all, £1.10 to the loan today.
Happy new thread. :dance:Success is not final, failure is not fatal: it is the courage to continue that counts. Car loan 1 £2005, Car loan 2 £15,488, 0% CC1 £2430, 0% CC2 £660, 0% CC3 £2130. Debt Free Diary to try & keep spending in check.0 -
Oooh, shiny new thread, thanks Kirsty.
Payment of £10 for me today please KeedieEvery penny's a prisoner
PADding is addictive
MFW August 2023 - unless I get my butt into gear0 -
Morning All,
Enjoying the freshness of this new thread, thanks again Kirstypoos.
The total for 23rd January 2016 was a great £222.04 :j
We're just on a roll with all these PADs...:T:T
Have a good day everyone,
Keedie
xxDebt Free Diary:- The Mental Debt Struggle... https://forums.moneysavingexpert.com/discussion/6364598/the-mental-debt-struggle/p1?new=1
Debt Tracking Restart Take 3 from 01/05/2023 = £22,573.30 (8 creditors) So, on 01/10/2023 = £11,973.30/£22,573.30 (2 creditors) = 53.04% repaid Aiming to be Debt Free = 31/12/2025
THE BURDEN RESTART TRACKER:- Bank of Mum 3 - school fees (£2,200/£4,800) 45.83% repaid || Barclaycard (£4,096.23/£12,096.23) 33.86% repaid
🎉 TUI (£2,276.04/£2,276.04) 100% repaid || Bank of Mum 1 - car (£150/£150) 100% repaid || Bank of Mum 2 - family holiday (£300/£300) 100% repaid || MBNA (£875/£875) 100% repaid || Creation (£1,070/£1,070) 100% repaid || Sky Mobile (£1,006.03/£1,006.03) 100% repaid 🎉
(Original Debt on 15/07/2016 was £33,056.76) 🙈
2023 SAVINGS:- Emergency Fund (£375.73/£750) 50.10% saved || 2023 CHALLENGES:- #42 Debt Free Before Xmas 23 (£5,272.88/£6,000) 87.88% repaid || Debt Buster Pot (£126.05/£250) 50.42% debt neutral0 -
Morning all!
£3 for me today please Keedie :j PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID :j LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid) :eek:
Mortgage - £151.316.54 :eek:0
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