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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 3,421Posts
    • 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 108
    • TheMsTeal
    • By TheMsTeal 13th Sep 17, 8:35 AM
    • 297 Posts
    • 1,084 Thanks
    TheMsTeal
    Morning All! 0.50 to cc. Thanks.
    Debt Free Day Target: November 2018

    2 Savers Club 2017: no 41
    • Mummy_bear
    • By Mummy_bear 13th Sep 17, 9:26 AM
    • 307 Posts
    • 1,113 Thanks
    Mummy_bear
    Morning,

    10 towards Next account
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) 37139.86
    6531.23/37139.86 17.58% paid
    • AdventureWanted
    • By AdventureWanted 13th Sep 17, 10:07 AM
    • 551 Posts
    • 1,633 Thanks
    AdventureWanted
    Hi, I'd like to join please. 75p to CC1.
    LBM Aug 2017. DFD - Oct 2020 / Dec 2021
    CC1 - 0 / 5,185 1/8/17. CC2 - 335.00 / 13,470 1/8/17. CC3 - 10,100.00 / 11,400 1/8/17
    CC4 - 11,960.00 / 13,000 20/11/17
    2018 1% challenge - #1 - 61%.
    PAYDBX 2018 - #29 Pd 8,285.60 / 12,500
    • dg1019
    • By dg1019 13th Sep 17, 6:26 PM
    • 142 Posts
    • 713 Thanks
    dg1019
    It was a day of tiny pads yesterday. 10 people made a pad and none over 10. It all adds up!

    Total for 12 September was 44.01
    LBM 24/07/17
    02/06/18: CC1=2373.98 CC2=4661.48 CC3=2369.11 CC4=2695.84 Total=12100.41 / 11763.90 (-2.86% repaid )
    • jet9cat
    • By jet9cat 13th Sep 17, 7:11 PM
    • 1,472 Posts
    • 10,643 Thanks
    jet9cat
    A bigger PAD today of 449.50 please dg1019
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • Mummy_bear
    • By Mummy_bear 13th Sep 17, 8:38 PM
    • 307 Posts
    • 1,113 Thanks
    Mummy_bear
    Second pad for today

    8.45 onto the NEXT account
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) 37139.86
    6531.23/37139.86 17.58% paid
    • dg1019
    • By dg1019 13th Sep 17, 10:00 PM
    • 142 Posts
    • 713 Thanks
    dg1019
    2 eventually to card 1. Technology not cooperating and laptop in intensive care
    LBM 24/07/17
    02/06/18: CC1=2373.98 CC2=4661.48 CC3=2369.11 CC4=2695.84 Total=12100.41 / 11763.90 (-2.86% repaid )
    • sashanut
    • By sashanut 13th Sep 17, 10:43 PM
    • 2,835 Posts
    • 26,257 Thanks
    sashanut
    Hi all

    Popping to PAD 12.03 payment to M&S cc plz dg1019 - tkyou!
    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 14th Sep 17, 8:45 AM
    • 2,068 Posts
    • 8,702 Thanks
    LittleMissDetermined
    Morning

    A bank skim to barclaycard tody of 1.06

    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 7520.80/7129...
    • TheMsTeal
    • By TheMsTeal 14th Sep 17, 8:59 AM
    • 297 Posts
    • 1,084 Thanks
    TheMsTeal
    0.50 to cc.
    Debt Free Day Target: November 2018

    2 Savers Club 2017: no 41
    • AdventureWanted
    • By AdventureWanted 14th Sep 17, 9:31 AM
    • 551 Posts
    • 1,633 Thanks
    AdventureWanted
    Account rounds down of 1.69 (1.05 to CC1, 64p to Mortgage)
    LBM Aug 2017. DFD - Oct 2020 / Dec 2021
    CC1 - 0 / 5,185 1/8/17. CC2 - 335.00 / 13,470 1/8/17. CC3 - 10,100.00 / 11,400 1/8/17
    CC4 - 11,960.00 / 13,000 20/11/17
    2018 1% challenge - #1 - 61%.
    PAYDBX 2018 - #29 Pd 8,285.60 / 12,500
    • kirtsypoos
    • By kirtsypoos 14th Sep 17, 10:17 AM
    • 3,421 Posts
    • 14,977 Thanks
    kirtsypoos
    Morning all,

    108.13 mortgage OP for me today
    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
    • Mummy_bear
    • By Mummy_bear 14th Sep 17, 12:12 PM
    • 307 Posts
    • 1,113 Thanks
    Mummy_bear
    Hi,

    6 to the Emergency Fund
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) 37139.86
    6531.23/37139.86 17.58% paid
    • mandz1
    • By mandz1 14th Sep 17, 6:25 PM
    • 2,548 Posts
    • 11,090 Thanks
    mandz1
    8.36 to cc1 please
    PAD Maker
    • dg1019
    • By dg1019 14th Sep 17, 8:04 PM
    • 142 Posts
    • 713 Thanks
    dg1019
    Total for 13 September is 483.54
    LBM 24/07/17
    02/06/18: CC1=2373.98 CC2=4661.48 CC3=2369.11 CC4=2695.84 Total=12100.41 / 11763.90 (-2.86% repaid )
    • dg1019
    • By dg1019 14th Sep 17, 8:05 PM
    • 142 Posts
    • 713 Thanks
    dg1019
    Today's pad is 2 to card 1.
    LBM 24/07/17
    02/06/18: CC1=2373.98 CC2=4661.48 CC3=2369.11 CC4=2695.84 Total=12100.41 / 11763.90 (-2.86% repaid )
    • IWILLgetthere
    • By IWILLgetthere 14th Sep 17, 8:32 PM
    • 68 Posts
    • 311 Thanks
    IWILLgetthere
    Evening everyone
    a teeny 0.28p to Next for me today please
    • Mummy_bear
    • By Mummy_bear 14th Sep 17, 9:19 PM
    • 307 Posts
    • 1,113 Thanks
    Mummy_bear
    Evening, another pad today

    1.51 to my Barclaycard

    MB
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) 37139.86
    6531.23/37139.86 17.58% paid
    • jet9cat
    • By jet9cat 14th Sep 17, 9:51 PM
    • 1,472 Posts
    • 10,643 Thanks
    jet9cat
    10.30 for me 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 14th Sep 17, 11:02 PM
    • 585 Posts
    • 3,136 Thanks
    cufc_mike
    Just a bank round down for me today. 3.61 off my cc.

    Gutted to see my cc balance somewhat higher than what I had calculated myself. So I've been back through my cc statement, my bank statement and what I've posted on here to find that on 4-5 occasions I've posted on here, and not followed it up with an actual payment. Means I'm 40 lower than I thought I was.
    Make 500 May Challenge: 904.40 / 500 -> My Matched Betting Blog
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