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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 3,423Posts
    • 14,977Thanks
    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 171
    • AdventureWanted
    • By AdventureWanted 12th Jan 18, 11:24 AM
    • 544 Posts
    • 1,616 Thanks
    AdventureWanted
    £11 paid to CC2 today. Thanks
    • dreamingofmoney
    • By dreamingofmoney 12th Jan 18, 12:19 PM
    • 391 Posts
    • 4,647 Thanks
    dreamingofmoney
    Well done Jetcat. Love hearing peoples milestones/great news stories. Things like that make us all realize that there is an end to all this at some point and gives us the momentum to carry one with our payments whether small or large, it all counts


    Anyway, not been able to get on for the last couple of days so with some debt busting, coppers in my tub, and money for a rainy day so I have got a great big (for me) £367.20.
    So thanks to all
    xx
    Paying back 1% at a time 58.4%of total debt paid off.
    No. 82 PAYDBX18 £3657.72/£9547of debt paid from this years goal this equals 38.3%
    1st debt paid off bye bye b'card.
    5 4 debts to tackle, doing it one at a time. Original debt free date Jan 2020. New date July 2019
    • sunshine81
    • By sunshine81 12th Jan 18, 12:56 PM
    • 1,060 Posts
    • 5,692 Thanks
    sunshine81
    Jet9Cat that is so exciting! Keep going!!

    I'm really trying - £77.49 paid off today.
    • erin_transport
    • By erin_transport 12th Jan 18, 1:41 PM
    • 549 Posts
    • 2,458 Thanks
    erin_transport
    Afternoon

    £10 to cc
    £128.50 to mortgage over payment (MFW 2018 #138)
    £138.50 total today
    On a mission!

    2018 MFW #138
    • RhiBi
    • By RhiBi 12th Jan 18, 5:11 PM
    • 579 Posts
    • 1,709 Thanks
    RhiBi
    The usual £2 to Next for me today xx
    Virtual Sealed Pot 2018 #7 £173.69/£250
    • ahall3519
    • By ahall3519 12th Jan 18, 7:53 PM
    • 238 Posts
    • 810 Thanks
    ahall3519
    Good evening everyone! Please put me down for £21.62 to the OH's CC (monthly dd payment) but all counts.

    Hope everyone is well. Well done Jet9Cat!
    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=£450.93=62% paid
    • cufc_mike
    • By cufc_mike 12th Jan 18, 9:47 PM
    • 584 Posts
    • 3,131 Thanks
    cufc_mike
    £13.02 mortgage overpayment today
    Make £500 May Challenge: £904.40 / £500 -> My Matched Betting Blog
    • sashanut
    • By sashanut 12th Jan 18, 11:32 PM
    • 2,828 Posts
    • 26,195 Thanks
    sashanut
    Hi all

    Popping in to PAD £49.00 - refund to cc - tks LMD
    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 Jan 18, 7:28 AM
    • 2,066 Posts
    • 8,699 Thanks
    LittleMissDetermined
    A brilliant day with a total for Friday 12th January of

    £748.31

    Well done everyone!
    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 Jan 18, 7:29 AM
    • 2,066 Posts
    • 8,699 Thanks
    LittleMissDetermined
    Just a bank round down for me today of £1.41

    Have a lovely day!
    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...
    • TheMsTeal
    • By TheMsTeal 13th Jan 18, 9:31 AM
    • 296 Posts
    • 1,081 Thanks
    TheMsTeal
    Token 40p to cc please.
    Debt Free Day Target: November 2018

    £2 Savers Club 2017: no 41
    • RhiBi
    • By RhiBi 13th Jan 18, 9:59 AM
    • 579 Posts
    • 1,709 Thanks
    RhiBi
    £2 to Next please!
    Virtual Sealed Pot 2018 #7 £173.69/£250
    • erin_transport
    • By erin_transport 13th Jan 18, 10:23 AM
    • 549 Posts
    • 2,458 Thanks
    erin_transport
    Morning
    £3 to cc
    £3 to mortgage over payment
    £3 to online savings
    £3 to EF
    £12 total for me

    Was just rereading some of the posts on here
    Wow - ARandomMan you'll be debt free in no time at all. Well done
    On a mission!

    2018 MFW #138
    • kirtsypoos
    • By kirtsypoos 13th Jan 18, 10:35 AM
    • 3,423 Posts
    • 14,977 Thanks
    kirtsypoos
    Morning all!

    £78.82 mortgage OP for me today please
    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
    • IWILLgetthere
    • By IWILLgetthere 13th Jan 18, 11:53 AM
    • 68 Posts
    • 311 Thanks
    IWILLgetthere
    84p to Next for me today please.
    Kirstypoos - well done!! I tried to click 'thank you' on your post but page said that I did not have access to do this (?)
    • sunshine81
    • By sunshine81 13th Jan 18, 3:02 PM
    • 1,060 Posts
    • 5,692 Thanks
    sunshine81
    £50 for today!!
    • jet9cat
    • By jet9cat 13th Jan 18, 3:48 PM
    • 1,469 Posts
    • 10,636 Thanks
    jet9cat
    A payment of £9.80 for me today please.

    Thanks for all the support and encouragement after my big post, I really feel part of a community of like-minded people here which is great.
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • A Random Man
    • By A Random Man 13th Jan 18, 6:06 PM
    • 192 Posts
    • 935 Thanks
    A Random Man
    Small pad of £5 towards my credit card
    Total Debt 1st Jan £13100/£11423.30 (12.79% Paid)
    Make £10 A Day In April (Matched Betting) £750/£190.87
    Make £10 A Day In April (eBay) £300/£1.85
    Payment A Day total: £444.19
    Halifax Credit Card, Tesco Credit Card, Barclaycard, Hitachi Loan
    • kirtsypoos
    • By kirtsypoos 13th Jan 18, 6:54 PM
    • 3,423 Posts
    • 14,977 Thanks
    kirtsypoos
    84p to Next for me today please.
    Kirstypoos - well done!! I tried to click 'thank you' on your post but page said that I did not have access to do this (?)
    Originally posted by IWILLgetthere
    I think the forum is a bit glitchy tonight IWILLgetthere! Same thing keeps happening to me!
    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
    • TheMsTeal
    • By TheMsTeal 14th Jan 18, 7:36 AM
    • 296 Posts
    • 1,081 Thanks
    TheMsTeal
    Token 50p to cc please.
    Debt Free Day Target: November 2018

    £2 Savers Club 2017: no 41
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