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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 3,423Posts
    • 14,963Thanks
    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 1
    • kirtsypoos
    • By kirtsypoos 23rd Jan 17, 8:54 AM
    • 3,423 Posts
    • 14,963 Thanks
    kirtsypoos
    • #2
    • 23rd Jan 17, 8:54 AM
    • #2
    • 23rd Jan 17, 8:54 AM
    Morning all,

    115.00 for me today please Keedie
    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
    • Keedie
    • By Keedie 23rd Jan 17, 9:22 AM
    • 245 Posts
    • 1,016 Thanks
    Keedie
    • #3
    • 23rd Jan 17, 9:22 AM
    • #3
    • 23rd Jan 17, 9:22 AM
    Morning All,

    The total for 22nd January 2017, and the first for Chapter 18 is 54.69

    Thanks for creating the new thread Kirstypoos and for the reminder Erme

    Have a good day everyone,
    x
    LBM 27/06/16 = 31,400.57 (7 creditors) BUT on 12/03/2018 = 15,939.84/31,400.57 (6 creditors) = 50.76% repaid
    Aiming to be Debt Free = 31/12/2020
    • mandz1
    • By mandz1 23rd Jan 17, 10:34 AM
    • 2,548 Posts
    • 11,090 Thanks
    mandz1
    • #4
    • 23rd Jan 17, 10:34 AM
    • #4
    • 23rd Jan 17, 10:34 AM
    Morning all

    13.87 to cc please
    PAD Maker
    • Erme
    • By Erme 23rd Jan 17, 11:48 AM
    • 3,596 Posts
    • 21,542 Thanks
    Erme
    • #5
    • 23rd Jan 17, 11:48 AM
    • #5
    • 23rd Jan 17, 11:48 AM
    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

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


    • erin_transport
    • By erin_transport 23rd Jan 17, 12:50 PM
    • 496 Posts
    • 2,215 Thanks
    erin_transport
    • #6
    • 23rd Jan 17, 12:50 PM
    • #6
    • 23rd Jan 17, 12:50 PM
    Hi everyone!

    2.50 off cc1
    2.50 off cc2
    5.00 O/P on mortgage

    10.00 for me this morning please.
    • sashanut
    • By sashanut 23rd Jan 17, 3:16 PM
    • 2,764 Posts
    • 25,625 Thanks
    sashanut
    • #7
    • 23rd Jan 17, 3:16 PM
    • #7
    • 23rd Jan 17, 3:16 PM
    Hi all

    My PAD is 78.21 - pmt to M&S cc - thanks Keedie!!
    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 23rd Jan 17, 3:37 PM
    • 2,736 Posts
    • 20,338 Thanks
    sashybo
    • #8
    • 23rd Jan 17, 3:37 PM
    • #8
    • 23rd Jan 17, 3:37 PM
    Hi all, 1.10 to the loan today.

    Happy new thread.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - 10,247 extra paid off debt. Total Debt paid off 50,597
    Loan 2575.31, CC 0% BT 1245, Car loans 22,960.14

    Have a Debt Free Diary to try & keep spending in check.
    • jet9cat
    • By jet9cat 24th Jan 17, 6:27 AM
    • 1,445 Posts
    • 10,531 Thanks
    jet9cat
    • #9
    • 24th Jan 17, 6:27 AM
    • #9
    • 24th Jan 17, 6:27 AM
    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
    • Keedie
    • By Keedie 24th Jan 17, 7:53 AM
    • 245 Posts
    • 1,016 Thanks
    Keedie
    Morning All,

    Enjoying the freshness of this new thread, thanks again Kirstypoos.

    The total for 23rd January 2016 was a great 222.04

    We're just on a roll with all these PADs...

    Have a good day everyone,

    Keedie
    xx
    LBM 27/06/16 = 31,400.57 (7 creditors) BUT on 12/03/2018 = 15,939.84/31,400.57 (6 creditors) = 50.76% repaid
    Aiming to be Debt Free = 31/12/2020
    • kirtsypoos
    • By kirtsypoos 24th Jan 17, 9:00 AM
    • 3,423 Posts
    • 14,963 Thanks
    kirtsypoos
    Morning all!

    3 for me today please Keedie
    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
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 24th Jan 17, 9:17 AM
    • 697 Posts
    • 3,849 Thanks
    swimminginaseaofdebt
    Morning everyone

    The usual 1 paid off the credit card today.
    Pay all debt off by Christmas 2018 #150 - 895.62/2018
    SPC11 #564
    • erin_transport
    • By erin_transport 24th Jan 17, 9:34 AM
    • 496 Posts
    • 2,215 Thanks
    erin_transport
    Morning!

    5.00 off cc1 for me today
    • Tink_04
    • By Tink_04 24th Jan 17, 11:02 AM
    • 911 Posts
    • 4,654 Thanks
    Tink_04
    2.59 for me today - nearly at the 100 mark it's not even been a month yet!
    1p savings challenge 2018
    2 savings challenge
    • mandz1
    • By mandz1 24th Jan 17, 12:30 PM
    • 2,548 Posts
    • 11,090 Thanks
    mandz1
    5.16 to cc
    35 to mum

    40.16 total PAD
    PAD Maker
    • sashybo
    • By sashybo 24th Jan 17, 8:15 PM
    • 2,736 Posts
    • 20,338 Thanks
    sashybo
    Hi all, another 1 to the loan today.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - 10,247 extra paid off debt. Total Debt paid off 50,597
    Loan 2575.31, CC 0% BT 1245, Car loans 22,960.14

    Have a Debt Free Diary to try & keep spending in check.
    • LittleMissDetermined
    • By LittleMissDetermined 24th Jan 17, 10:20 PM
    • 2,000 Posts
    • 8,425 Thanks
    LittleMissDetermined
    Hi all... I missed the move!

    Another bank round down for me today of 1.63 to the credit card please Keedie

    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 6050/7129...
    • sashanut
    • By sashanut 24th Jan 17, 11:25 PM
    • 2,764 Posts
    • 25,625 Thanks
    sashanut
    Hi all

    My PAD is 48.65 - pmt to M&S cc - thanks Keedie!!
    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 25th Jan 17, 7:19 AM
    • 2,000 Posts
    • 8,425 Thanks
    LittleMissDetermined
    Morning!

    Counting down to pay day... it's been a long time coming. Today's offering is a PAD of 4.39 to the credit card please Keedie

    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 6050/7129...
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 25th Jan 17, 8:04 AM
    • 697 Posts
    • 3,849 Thanks
    swimminginaseaofdebt
    Morning everyone

    Another 1 paid off the credit card today.
    Pay all debt off by Christmas 2018 #150 - 895.62/2018
    SPC11 #564
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