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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 2
    • kirtsypoos
    • By kirtsypoos 25th Jan 17, 9:34 AM
    • 3,423 Posts
    • 14,977 Thanks
    kirtsypoos
    Morning all,

    22 for me today courtesy of round down and TCB
    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 25th Jan 17, 10:25 AM
    • 245 Posts
    • 1,016 Thanks
    Keedie
    Morning All,

    The total for 24th January 2017 was 114.66.

    Sorry for the quick message, I am very sleepy
    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
    • ahall3519
    • By ahall3519 25th Jan 17, 11:10 AM
    • 234 Posts
    • 797 Thanks
    ahall3519
    Good morning everyone! Thanks for creating the new thread Kirstypoos! Please put me down for 10 to debt two! Thanks.
    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=475.93=60% paid
    • Bobarella
    • By Bobarella 25th Jan 17, 1:43 PM
    • 10,472 Posts
    • 69,775 Thanks
    Bobarella
    Hi guys

    160 for me today.

    Bob
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from 40k in the hole 2012.
    Roadkill 17 56.58 2016-62.28 2015- 84.20)
    RYSAW17 1900 2016 2,535.16 2015 1027.20
    • sashybo
    • By sashybo 25th Jan 17, 3:02 PM
    • 2,761 Posts
    • 20,490 Thanks
    sashybo
    Hi all, just 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 - 10,362 extra paid off debt. Total Debt paid off 50,880
    Loan 2328.49, CC 0% BT 1200, Car loans 22,591.72

    Have a Debt Free Diary to try & keep spending in check.
    • erin_transport
    • By erin_transport 25th Jan 17, 3:53 PM
    • 524 Posts
    • 2,339 Thanks
    erin_transport
    Afternoon

    2.25 off cc1
    10.00 O/P on mortgage

    12.25 for me today. !!!55357;!!!56397;
    • mandz1
    • By mandz1 25th Jan 17, 5:21 PM
    • 2,548 Posts
    • 11,090 Thanks
    mandz1
    30.00 to very today please
    PAD Maker
    • sashybo
    • By sashybo 25th Jan 17, 9:18 PM
    • 2,761 Posts
    • 20,490 Thanks
    sashybo
    And an extra 25 to loan 2 please as forgot I hadn't made an extra payment to it after payday.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - 10,362 extra paid off debt. Total Debt paid off 50,880
    Loan 2328.49, CC 0% BT 1200, Car loans 22,591.72

    Have a Debt Free Diary to try & keep spending in check.
    • sashanut
    • By sashanut 25th Jan 17, 11:29 PM
    • 2,789 Posts
    • 25,867 Thanks
    sashanut
    Hi all

    My PAD is 24.15 - 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
    • mandz1
    • By mandz1 26th Jan 17, 6:54 AM
    • 2,548 Posts
    • 11,090 Thanks
    mandz1
    Morning all

    11.09 to cc with a possible extra payment later

    Have a great day
    PAD Maker
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 26th Jan 17, 7:34 AM
    • 738 Posts
    • 4,243 Thanks
    swimminginaseaofdebt
    Morning all,

    Have paid another 1 off the credit card today.
    Last edited by swimminginaseaofdebt; 26-01-2017 at 8:33 AM.
    Pay all debt off by Christmas 2018 #150 - 895.62/2018
    SPC11 #564
    • LittleMissDetermined
    • By LittleMissDetermined 26th Jan 17, 8:07 AM
    • 2,041 Posts
    • 8,585 Thanks
    LittleMissDetermined
    Good morning all

    Bank round down of 3.00 to the credit card today 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...
    • erin_transport
    • By erin_transport 26th Jan 17, 8:34 AM
    • 524 Posts
    • 2,339 Thanks
    erin_transport
    Morning

    Bank tidy up this morning
    8.41 cc1
    4.00 cc2
    12.41 total for me this morning
    • kirtsypoos
    • By kirtsypoos 26th Jan 17, 9:18 AM
    • 3,423 Posts
    • 14,977 Thanks
    kirtsypoos
    Morning all!

    60.00 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
    • Keedie
    • By Keedie 26th Jan 17, 9:40 AM
    • 245 Posts
    • 1,016 Thanks
    Keedie
    Morning All,

    The total for 25th January 2017 was a great 289.79

    We're doing so well considering that January is usually such a financially lean month after Christmas.

    Have a good day,

    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
    • Bobarella
    • By Bobarella 26th Jan 17, 11:36 AM
    • 10,472 Posts
    • 69,775 Thanks
    Bobarella
    Morning

    Thanks to an eBay sale I have just made another payment of 35 to my cc. That's 195 since yesterday!

    Bob
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from 40k in the hole 2012.
    Roadkill 17 56.58 2016-62.28 2015- 84.20)
    RYSAW17 1900 2016 2,535.16 2015 1027.20
    • LittleMissDetermined
    • By LittleMissDetermined 26th Jan 17, 11:44 AM
    • 2,041 Posts
    • 8,585 Thanks
    LittleMissDetermined
    Back with 500 to the 3-6 month fund please

    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...
    • jet9cat
    • By jet9cat 26th Jan 17, 12:14 PM
    • 1,463 Posts
    • 10,602 Thanks
    jet9cat
    A tiny 2.80 for me today
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • sashanut
    • By sashanut 26th Jan 17, 3:54 PM
    • 2,789 Posts
    • 25,867 Thanks
    sashanut
    Hi all

    My PAD is 16.40 - 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
    • dreamingofmoney
    • By dreamingofmoney 26th Jan 17, 7:13 PM
    • 391 Posts
    • 4,647 Thanks
    dreamingofmoney
    Evening,
    Love the new thread, a tiny 2 for me please, am really struggling now so may only be coppers from now until payday.
    Big thanks to all who run the thread
    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
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