Payment A Day Chapter 18

edited 2 April 2018 at 8:12PM in Debt-free wannabe challenges
10.7K replies 381.9K views
kirtsypooskirtsypoos Forumite
3.8K Posts
Tenth Anniversary 1,000 Posts Combo Breaker Cashback Cashier
edited 2 April 2018 at 8:12PM in Debt-free wannabe challenges
*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
: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:
«1345671070

Replies

  • Morning all,

    £115.00 for me today please Keedie :D
    :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:
  • KeedieKeedie Forumite
    881 Posts
    Sixth Anniversary 500 Posts Photogenic Combo Breaker
    Forumite
    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,
    x
    Debt Free Diary:- The Mental Debt Struggle... https://forums.moneysavingexpert.com/discussion/6364598/the-mental-debt-struggle/p1?new=1

    Debt Tracking Restart Take 2 from 01/08/2022= £22,182.54 (8 creditors) So, on 03/10/2022 = £3,298.01/£22,182.54 (6 creditors) = 14.87% repaid Aiming to be Debt Free = 31/12/2025

    The Burden Restart Tracker

    Bank of Mum 2 - family holiday (£0/£300) 0% repaid
    Bank of Mum 3 - school fees (£50/£4,800) 1.04% repaid
    Barclaycard (£433.22/£9,587.80) 4.52% repaid
    Creation (£218.01/£1,062.67) 20.52% repaid
    MBNA (£105/£3,000) 3.50% repaid
    Sky Mobile (£65.74/£1,006.03) 6.53% repaid

    TUI (£2,276.04/£2,276.04) 100% repaid
    Bank of Mum 1 - car (£150/£150) 100% repaid


    (Original Debt on 15/07/2016 was £33,056.76) 🙈

    Exam Fees Fund Tracker - Oct 22 = £130/£520 (25%)
    #79 Sealed Pot Challenge 15 - opening on 27/10/2022

    October 2022 Grocery Challenge = £41.87/£300 (13.96% spent)
    October 2022 PADding Pot = £2.19/£150 (0% saved)
    Octo Pain Pot = £0/£600 (4.17% saved)
    Christmas Cheer Fund = £233.03/£410 (56.84% saved)
    Globetrotter Fund = £167.87/£900 (18.65% saved)
    #65 Emergency Fund = £135.20/£500 (27.04% saved) - Target of 31/12/2022
    Tilly Tidy 2022 £319.18/£300 (106.39%):- Jan 22 = £21.43 | Feb 22 = £16.63 | Mar 22 = £12.47 | Apr 22 = £56.76 | May 22 = £89.74 | Jun 22 = £23.82 | Jul 22 = £41.35 | Aug 22 = £30.68 | Sep 22 = £25.12 | Oct 22 so far = £1.18
  • mandz1mandz1 Forumite
    2.5K Posts
    Morning all

    £13.87 to cc please
    PAD Maker
  • ErmeErme Forumite
    3.6K Posts
    Part of the Furniture Combo Breaker I've been Money Tipped! Debt-free and Proud!
    Thanks for creating a new thread Kirstypoos thank-you-text-smiley-emoticon.gif

    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 - coffeebath.gif

    Today is going to be good - espressos are back in my life!!! cheerleader3.gif

    E
    :dance:
    I believe in the power of PAD
    Come and join us on the Payment a Day thread
    :dance:
  • erin_transporterin_transport Forumite
    941 Posts
    Part of the Furniture 500 Posts
    Forumite
    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)
  • sashanutsashanut Forumite
    3.3K Posts
    Part of the Furniture 1,000 Posts Combo Breaker Mortgage-free Glee!
    Forumite
    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 :happyhear
  • sashybosashybo Forumite
    4.1K Posts
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Forumite
    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.

    PAD started 27/01/09 - £21,010 extra paid off debt. Total Debt paid off £85,052 Car loan £4989, Garage conversion £1870, 0% CC1 £3770,0% CC2 £1990.
    Christmas 2022 savings £254/£500

    Debt Free Diary to try & keep spending in check.
  • jet9catjet9cat Forumite
    1.7K Posts
    Oooh, shiny new thread, thanks Kirsty.


    Payment of £10 for me today please Keedie
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear :D
  • KeedieKeedie Forumite
    881 Posts
    Sixth Anniversary 500 Posts Photogenic Combo Breaker
    Forumite
    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
    xx
    Debt Free Diary:- The Mental Debt Struggle... https://forums.moneysavingexpert.com/discussion/6364598/the-mental-debt-struggle/p1?new=1

    Debt Tracking Restart Take 2 from 01/08/2022= £22,182.54 (8 creditors) So, on 03/10/2022 = £3,298.01/£22,182.54 (6 creditors) = 14.87% repaid Aiming to be Debt Free = 31/12/2025

    The Burden Restart Tracker

    Bank of Mum 2 - family holiday (£0/£300) 0% repaid
    Bank of Mum 3 - school fees (£50/£4,800) 1.04% repaid
    Barclaycard (£433.22/£9,587.80) 4.52% repaid
    Creation (£218.01/£1,062.67) 20.52% repaid
    MBNA (£105/£3,000) 3.50% repaid
    Sky Mobile (£65.74/£1,006.03) 6.53% repaid

    TUI (£2,276.04/£2,276.04) 100% repaid
    Bank of Mum 1 - car (£150/£150) 100% repaid


    (Original Debt on 15/07/2016 was £33,056.76) 🙈

    Exam Fees Fund Tracker - Oct 22 = £130/£520 (25%)
    #79 Sealed Pot Challenge 15 - opening on 27/10/2022

    October 2022 Grocery Challenge = £41.87/£300 (13.96% spent)
    October 2022 PADding Pot = £2.19/£150 (0% saved)
    Octo Pain Pot = £0/£600 (4.17% saved)
    Christmas Cheer Fund = £233.03/£410 (56.84% saved)
    Globetrotter Fund = £167.87/£900 (18.65% saved)
    #65 Emergency Fund = £135.20/£500 (27.04% saved) - Target of 31/12/2022
    Tilly Tidy 2022 £319.18/£300 (106.39%):- Jan 22 = £21.43 | Feb 22 = £16.63 | Mar 22 = £12.47 | Apr 22 = £56.76 | May 22 = £89.74 | Jun 22 = £23.82 | Jul 22 = £41.35 | Aug 22 = £30.68 | Sep 22 = £25.12 | Oct 22 so far = £1.18
  • Morning all!

    £3 for me today please Keedie :D
    :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:
Sign In or Register to comment.
Latest MSE News and Guides

Water firms forced to cut bills

Is your supplier one of them?

MSE News

Train strikes

Your refund rights explained

MSE News