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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 3,423Posts
    • 14,971Thanks
    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 139
    • kirtsypoos
    • By kirtsypoos 14th Nov 17, 3:33 PM
    • 3,423 Posts
    • 14,971 Thanks
    kirtsypoos
    Afternoon all!

    Mortgage OP of 156.06 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
    • erin_transport
    • By erin_transport 14th Nov 17, 8:43 PM
    • 501 Posts
    • 2,235 Thanks
    erin_transport
    Evening
    350 long awaited refund arrived and sent to mortgage over payment
    88 to pension pot
    438 total for me today
    On a mission!

    2018 MFW #138
    • ahall3519
    • By ahall3519 14th Nov 17, 9:14 PM
    • 233 Posts
    • 792 Thanks
    ahall3519
    Good evening everyone! Hope everyone is well! Please put me down for 19 to my usual 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=483.43=59% paid
    • cufc_mike
    • By cufc_mike 14th Nov 17, 10:46 PM
    • 569 Posts
    • 3,046 Thanks
    cufc_mike
    30.00 off my cc today Finally passed the 1,000 PAD mark since I started in August.
    Make 1,000 April Challenge: 1,182.74 / 1,000 -> My Matched Betting Blog
    Mortgage Overpayments: 2,899.58 | 1,560.34 Interest Saved
    Mortgage End Date: Was 01/06/2033 -> Now: 01/09/2031 (reduced by 21 months by PAD'ing)
    • sashanut
    • By sashanut 14th Nov 17, 11:52 PM
    • 2,766 Posts
    • 25,635 Thanks
    sashanut
    Hi all

    Popping in to PAD - 10.00 - pmt to M&S cc plz cufc_mike - tkyou!!

    And congratulations on passing the 1K mark - wooooo
    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
    • cufc_mike
    • By cufc_mike 15th Nov 17, 12:57 AM
    • 569 Posts
    • 3,046 Thanks
    cufc_mike
    The total payments for Tuesday 14th November:
    667.69



    CURRENT NOVEMBER TOTAL:
    6,567.18

    Make 1,000 April Challenge: 1,182.74 / 1,000 -> My Matched Betting Blog
    Mortgage Overpayments: 2,899.58 | 1,560.34 Interest Saved
    Mortgage End Date: Was 01/06/2033 -> Now: 01/09/2031 (reduced by 21 months by PAD'ing)
    • JAMIEDODGER
    • By JAMIEDODGER 15th Nov 17, 4:38 AM
    • 4,271 Posts
    • 18,684 Thanks
    JAMIEDODGER
    2.02 for me today please
    #82 12k in 2018 - 3473.45/12000 - 28.95%
    Retirement Fund 10850.02/250000 - 4.34%
    House Fund 2679.13/50000 - 5.36%
    Travel Fund 199.49/2500 - 7.98%
    • Cazzell
    • By Cazzell 15th Nov 17, 6:04 AM
    • 47 Posts
    • 313 Thanks
    Cazzell
    PAD 3.51 from bank round down today please.
    Proud to be dealing with my debts
    Snowball amount 25548.54
    PAD Challenge 959.84 (Oct - Dec 2017)
    1% Challenge so far 11%(Oct - Dec 2017)
    • TheMsTeal
    • By TheMsTeal 15th Nov 17, 7:40 AM
    • 257 Posts
    • 981 Thanks
    TheMsTeal
    Token 40p to cc.
    Debt Free Day Target: November 2018

    2 Savers Club 2017: no 41
    • jacksmummy160712
    • By jacksmummy160712 15th Nov 17, 1:57 PM
    • 11 Posts
    • 56 Thanks
    jacksmummy160712
    hello everyone,
    First PAD of 8.19 made today. happy with that as a start to clearing the debts.
    Last edited by jacksmummy160712; 15-11-2017 at 1:58 PM. Reason: add more
    WANNA BE DEBT FREE BY END OF 2019
    BARCLAYCARD@2.3125%:1825.56.... CAPITAL ONE@34.94%: 300.00.... VERY:356.36 Total:2481.92
    • AdventureWanted
    • By AdventureWanted 15th Nov 17, 2:21 PM
    • 467 Posts
    • 1,410 Thanks
    AdventureWanted
    5 paid to CC1 today.
    • erin_transport
    • By erin_transport 15th Nov 17, 2:49 PM
    • 501 Posts
    • 2,235 Thanks
    erin_transport
    Hi
    10 to isa today.
    Thanks
    On a mission!

    2018 MFW #138
    • ahall3519
    • By ahall3519 15th Nov 17, 5:33 PM
    • 233 Posts
    • 792 Thanks
    ahall3519
    Well done CUFC_Mike!

    Please put me down for 33 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=483.43=59% paid
    • jet9cat
    • By jet9cat 15th Nov 17, 6:13 PM
    • 1,446 Posts
    • 10,533 Thanks
    jet9cat
    35 cleared off the balance cc today please
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • cufc_mike
    • By cufc_mike 15th Nov 17, 10:54 PM
    • 569 Posts
    • 3,046 Thanks
    cufc_mike
    15.00 off my cc today.

    hello everyone,
    First PAD of 8.19 made today. happy with that as a start to clearing the debts.
    Originally posted by jacksmummy160712
    Welcome jacksmummy, I'm Jack's daddy, a different Jack.

    It's lovely to see more people joining in. I don't know about the rest of you, but I find it very addictive, and consider every daily PAD to be an achievement.

    Don't overdo it, and don't feel like every day you MUST make a huge PAD to make a statement. It's got to be right for you, but at the same time, every PAD made is a bonus, no matter how small.

    The token 40p PAD's, or the 1.17 bank round downs are as important as the big 100+ PAD's. Good luck to all, and keep up the fantastic work.

    For any lurkers, it doesn't matter that it's mid-month, come say hello and join in. Don't wait until 1st December, that would be 15 missed potential PAD's.
    Make 1,000 April Challenge: 1,182.74 / 1,000 -> My Matched Betting Blog
    Mortgage Overpayments: 2,899.58 | 1,560.34 Interest Saved
    Mortgage End Date: Was 01/06/2033 -> Now: 01/09/2031 (reduced by 21 months by PAD'ing)
    • cufc_mike
    • By cufc_mike 16th Nov 17, 12:11 AM
    • 569 Posts
    • 3,046 Thanks
    cufc_mike
    The total payments for Wednesday 15th November:
    112.12



    CURRENT NOVEMBER TOTAL:
    6,679.30

    Make 1,000 April Challenge: 1,182.74 / 1,000 -> My Matched Betting Blog
    Mortgage Overpayments: 2,899.58 | 1,560.34 Interest Saved
    Mortgage End Date: Was 01/06/2033 -> Now: 01/09/2031 (reduced by 21 months by PAD'ing)
    • TheMsTeal
    • By TheMsTeal 16th Nov 17, 9:22 AM
    • 257 Posts
    • 981 Thanks
    TheMsTeal
    Token 40p to cc.
    Debt Free Day Target: November 2018

    2 Savers Club 2017: no 41
    • mandz1
    • By mandz1 16th Nov 17, 12:43 PM
    • 2,548 Posts
    • 11,090 Thanks
    mandz1
    10 to cc1 today please
    PAD Maker
    • erin_transport
    • By erin_transport 16th Nov 17, 7:11 PM
    • 501 Posts
    • 2,235 Thanks
    erin_transport
    Evening
    15.05 to cc1
    2.05 to cc2
    17.10 for me today
    On a mission!

    2018 MFW #138
    • AdventureWanted
    • By AdventureWanted 16th Nov 17, 9:16 PM
    • 467 Posts
    • 1,410 Thanks
    AdventureWanted
    57p Bank round down to CC1 today.
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