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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 192
    • jet9cat
    • By jet9cat 13th Feb 18, 6:14 AM
    • 1,463 Posts
    • 10,608 Thanks
    jet9cat
    20 to OH's cc for me today please iheart
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • LittleMissDetermined
    • By LittleMissDetermined 13th Feb 18, 7:55 AM
    • 2,043 Posts
    • 8,597 Thanks
    LittleMissDetermined
    My 3 weeks away is almost here so just a few more little PADs before I go on Friday. I will have to log in and pay some normal bills whilst I am away but I will add them into one big PAD when I am back.

    Todays offering is 1.84 bank round down to the credit card

    LMD x
    Last edited by LittleMissDetermined; 13-02-2018 at 7:57 AM.
    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...
    • AdventureWanted
    • By AdventureWanted 13th Feb 18, 9:04 AM
    • 512 Posts
    • 1,526 Thanks
    AdventureWanted
    15 refund sent to CC2 today.
    • TheMsTeal
    • By TheMsTeal 13th Feb 18, 9:56 AM
    • 275 Posts
    • 1,014 Thanks
    TheMsTeal
    Morning! Token 40p to cc.
    Debt Free Day Target: November 2018

    2 Savers Club 2017: no 41
    • Calling14
    • By Calling14 13th Feb 18, 10:54 AM
    • 2,703 Posts
    • 19,750 Thanks
    Calling14
    10 for me today. Thanks
    LBM 13039 1.1.13 Start 2018 5552 NOW 3112
    EEK house repairs pushed it back up end of last yr

    PAYDBX 2018 #16 2440/5552 DFD 12/18
    E
    Fund #9 220/1,000
    1 x 100 days challenge
    865/2550

    • Onebrokelady
    • By Onebrokelady 13th Feb 18, 11:00 AM
    • 362 Posts
    • 978 Thanks
    Onebrokelady
    3:76 paid off CC
    Just keep swimming
    Original Debt Owed Jan 18 = 17,630 Paid To Date = 636.00 Total Now Owed = 16,994
    Emergency Fund = 400.00 Xmas savings = 200.00
    • sunshine81
    • By sunshine81 13th Feb 18, 12:55 PM
    • 1,022 Posts
    • 5,485 Thanks
    sunshine81
    5 for me today... need to be conservative this week.
    • erin_transport
    • By erin_transport 13th Feb 18, 2:01 PM
    • 525 Posts
    • 2,340 Thanks
    erin_transport
    Hi
    20 to mortgage over payment
    20 to EF
    20 to online savings
    20 to OH cc
    80 total.
    On a mission!

    2018 MFW #138
    • ahall3519
    • By ahall3519 13th Feb 18, 9:13 PM
    • 234 Posts
    • 797 Thanks
    ahall3519
    Thanks Erin for the encouragement!

    Please put me down for 25 to the OH's CC-monthly dd payment!
    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
    • cufc_mike
    • By cufc_mike 13th Feb 18, 11:13 PM
    • 583 Posts
    • 3,123 Thanks
    cufc_mike
    15.67 mortgage overpayment today
    Make 500 May Challenge: 738.36 / 500 -> My Matched Betting Blog
    • A Random Man
    • By A Random Man 13th Feb 18, 11:32 PM
    • 192 Posts
    • 935 Thanks
    A Random Man
    5 Payment to 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
    • TheMsTeal
    • By TheMsTeal 14th Feb 18, 6:08 AM
    • 275 Posts
    • 1,014 Thanks
    TheMsTeal
    Morning! Loose change: 20p to cc.
    Debt Free Day Target: November 2018

    2 Savers Club 2017: no 41
    • LittleMissDetermined
    • By LittleMissDetermined 14th Feb 18, 6:26 AM
    • 2,043 Posts
    • 8,597 Thanks
    LittleMissDetermined
    3.01 bank round down to the credit card for me today please

    LMD x
    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 14th Feb 18, 8:00 AM
    • 525 Posts
    • 2,340 Thanks
    erin_transport
    Morning
    14 sale from eBay. Transferred it to my pension pot.
    52 cashed out from Quidco also into pension pot.
    88 by regular dd to pension pot.
    154 total today
    On a mission!

    2018 MFW #138
    • AdventureWanted
    • By AdventureWanted 14th Feb 18, 9:22 AM
    • 512 Posts
    • 1,526 Thanks
    AdventureWanted
    35 paid to CC2 today. Thanks.
    • ahall3519
    • By ahall3519 14th Feb 18, 9:38 AM
    • 234 Posts
    • 797 Thanks
    ahall3519
    Good morning everyone! Please put me down for 12.50 to the OH's CC. 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
    • kirtsypoos
    • By kirtsypoos 14th Feb 18, 10:42 AM
    • 3,423 Posts
    • 14,977 Thanks
    kirtsypoos
    Morning all,

    30 to spendy CC 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
    • kirtsypoos
    • By kirtsypoos 14th Feb 18, 11:00 AM
    • 3,423 Posts
    • 14,977 Thanks
    kirtsypoos
    Oops, forgot todays mortgage OP of 102.54 as well
    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
    • sunshine81
    • By sunshine81 14th Feb 18, 12:38 PM
    • 1,022 Posts
    • 5,485 Thanks
    sunshine81
    10 for me today x
    • jet9cat
    • By jet9cat 14th Feb 18, 6:44 PM
    • 1,463 Posts
    • 10,608 Thanks
    jet9cat
    9 to the cc for me today please
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
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