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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 3,424Posts
    • 15,000Thanks
    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


    January 2018

    28,031.72

    February 2018

    12,993.43

    March 2018

    15,742.14
    Last edited by kirtsypoos; 02-04-2018 at 8:12 PM.
    PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Original Debt: 0/31010.23 (100% paid)
    Mortgage - 158.500.00 (2017/2018 O/P 3491.79) PAYDBX 17 - 18,442.82
    PAYDBX 18 #006 3850.92/4000
Page 91
    • cufc_mike
    • By cufc_mike 11th Aug 17, 10:17 PM
    • 585 Posts
    • 3,137 Thanks
    cufc_mike
    20 off my CC today please Takes my monthly total to 50, which is about 18 more than my usual minimum payment, with nearly 3 weeks in August to go
    Make 500 May Challenge: 904.40 / 500 -> My Matched Betting Blog
    • erin_transport
    • By erin_transport 11th Aug 17, 10:41 PM
    • 569 Posts
    • 2,540 Thanks
    erin_transport
    Hi
    Money shuffle today. 200 to pension pot
    Thanks
    On a mission!

    2018 MFW #138
    • sashanut
    • By sashanut 12th Aug 17, 12:02 AM
    • 2,872 Posts
    • 26,603 Thanks
    sashanut
    Hi all

    Popping in to PAD 48.19 - pmt for 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
    • sashybo
    • By sashybo 12th Aug 17, 4:52 AM
    • 2,789 Posts
    • 20,643 Thanks
    sashybo
    Hi all, PAD of 23 to loan no1 - got more survey money in.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - 10,677 extra paid off debt. Total Debt paid off 52,115
    Loan 1865.01, CC 0% BT 965, Car loans 21,866.53

    Have a Debt Free Diary to try & keep spending in check.
    • dg1019
    • By dg1019 12th Aug 17, 6:45 AM
    • 142 Posts
    • 713 Thanks
    dg1019
    Received some money from a relative that passed away a couple of years ago. Feel a bit sad to be using it for debt-clearing, but needs must. Today we have 950 to overdraft, which is now clear and has been cancelled. Also 550 to card 2, so total pad of 1500 for Saturday.
    LBM 24/07/17
    02/06/18: CC1=2373.98 CC2=4661.48 CC3=2369.11 CC4=2695.84 Total=12100.41 / 11763.90 (-2.86% repaid )
    • LittleMissDetermined
    • By LittleMissDetermined 12th Aug 17, 7:04 AM
    • 2,094 Posts
    • 8,813 Thanks
    LittleMissDetermined
    Morning all

    Welcome back from your hols Erme, hope you had a lovely time and belated "Happy Birthday" Mandz

    The total amount PADded for Friday 11th August is...

    787.29

    Life gets in the way...PADding is addictive... Saving's better than spending...

    1000 EF Challenge #142 1000/1000 ... 3-6Mth Wages Challenge #4 7520.80/7129...
    • LittleMissDetermined
    • By LittleMissDetermined 12th Aug 17, 7:04 AM
    • 2,094 Posts
    • 8,813 Thanks
    LittleMissDetermined
    My PAD today is 100
    Life gets in the way...PADding is addictive... Saving's better than spending...

    1000 EF Challenge #142 1000/1000 ... 3-6Mth Wages Challenge #4 7520.80/7129...
    • jet9cat
    • By jet9cat 12th Aug 17, 8:55 AM
    • 1,510 Posts
    • 10,810 Thanks
    jet9cat
    Erme -lovely to see you back and glad you enjoyed hols


    Mandz - belated happy birthday


    Thought I'd posted yesterday but doesn't look like it so for today and yesterday 15 paid off
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • erin_transport
    • By erin_transport 12th Aug 17, 11:19 AM
    • 569 Posts
    • 2,540 Thanks
    erin_transport
    Morning
    75 to pension pot today.
    Thanks
    On a mission!

    2018 MFW #138
    • mandz1
    • By mandz1 12th Aug 17, 9:52 PM
    • 2,548 Posts
    • 11,090 Thanks
    mandz1
    Thanks for all the birthday wishes
    My PAD is 16.45 to cc1
    PAD Maker
    • cufc_mike
    • By cufc_mike 12th Aug 17, 10:34 PM
    • 585 Posts
    • 3,137 Thanks
    cufc_mike
    2.03 off my CC today.
    Make 500 May Challenge: 904.40 / 500 -> My Matched Betting Blog
    • sashanut
    • By sashanut 13th Aug 17, 12:00 AM
    • 2,872 Posts
    • 26,603 Thanks
    sashanut
    Hi all

    Popping in to PAD 6.00 - pmt 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 13th Aug 17, 9:37 AM
    • 2,094 Posts
    • 8,813 Thanks
    LittleMissDetermined
    The total amount PADded for Saturday 12th August is...

    1779.67

    Life gets in the way...PADding is addictive... Saving's better than spending...

    1000 EF Challenge #142 1000/1000 ... 3-6Mth Wages Challenge #4 7520.80/7129...
    • LittleMissDetermined
    • By LittleMissDetermined 13th Aug 17, 9:41 AM
    • 2,094 Posts
    • 8,813 Thanks
    LittleMissDetermined
    Just a small bank skim for me today of 13p

    LMD xx
    Life gets in the way...PADding is addictive... Saving's better than spending...

    1000 EF Challenge #142 1000/1000 ... 3-6Mth Wages Challenge #4 7520.80/7129...
    • erin_transport
    • By erin_transport 13th Aug 17, 11:27 AM
    • 569 Posts
    • 2,540 Thanks
    erin_transport
    Hi
    Today transfer of 45 from eBay sales to pension pot.
    Thanks
    On a mission!

    2018 MFW #138
    • Mummy_bear
    • By Mummy_bear 13th Aug 17, 2:10 PM
    • 324 Posts
    • 1,139 Thanks
    Mummy_bear
    2.30 off the Next account
    2.30 into the Emergency fund

    MB
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) 37139.86
    7397.49/37139.86 19.92% paid
    • cufc_mike
    • By cufc_mike 13th Aug 17, 7:20 PM
    • 585 Posts
    • 3,137 Thanks
    cufc_mike
    7.97 off my CC today please
    Make 500 May Challenge: 904.40 / 500 -> My Matched Betting Blog
    • dg1019
    • By dg1019 13th Aug 17, 7:37 PM
    • 142 Posts
    • 713 Thanks
    dg1019
    5 to card 2 for me today please
    LBM 24/07/17
    02/06/18: CC1=2373.98 CC2=4661.48 CC3=2369.11 CC4=2695.84 Total=12100.41 / 11763.90 (-2.86% repaid )
    • LittleMissDetermined
    • By LittleMissDetermined 14th Aug 17, 6:01 AM
    • 2,094 Posts
    • 8,813 Thanks
    LittleMissDetermined
    The total amount PADded for Sunday 13th August is...

    67.80

    Life gets in the way...PADding is addictive... Saving's better than spending...

    1000 EF Challenge #142 1000/1000 ... 3-6Mth Wages Challenge #4 7520.80/7129...
    • dg1019
    • By dg1019 14th Aug 17, 6:01 AM
    • 142 Posts
    • 713 Thanks
    dg1019
    Happy Monday everyone! Another 5 to card 2 for me please
    LBM 24/07/17
    02/06/18: CC1=2373.98 CC2=4661.48 CC3=2369.11 CC4=2695.84 Total=12100.41 / 11763.90 (-2.86% repaid )
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