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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 122
    • jet9cat
    • By jet9cat 12th Oct 17, 6:24 PM
    • 1,472 Posts
    • 10,643 Thanks
    jet9cat
    Total for Wednesday 11th October was




    100.23
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • jet9cat
    • By jet9cat 12th Oct 17, 6:25 PM
    • 1,472 Posts
    • 10,643 Thanks
    jet9cat
    and my own payment today is 17
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • sashanut
    • By sashanut 12th Oct 17, 11:58 PM
    • 2,835 Posts
    • 26,262 Thanks
    sashanut
    Hi all

    Popping in to PAD - 61.37 to M&S cc please Jet - thankyou!
    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
    • Cazzell
    • By Cazzell 13th Oct 17, 6:14 AM
    • 47 Posts
    • 313 Thanks
    Cazzell
    Happy Friday. Today's PAD 5.00 to CC2
    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)
    • LittleMissDetermined
    • By LittleMissDetermined 13th Oct 17, 6:33 AM
    • 2,069 Posts
    • 8,702 Thanks
    LittleMissDetermined
    Morning!

    Bank round down to the credit card for me today of 4.10
    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...
    • AdventureWanted
    • By AdventureWanted 13th Oct 17, 6:49 AM
    • 551 Posts
    • 1,633 Thanks
    AdventureWanted
    Morning all,
    5 paid today (3 to CC1 & 2 to EF).
    Hope you all have a great Friday.
    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
    • TheMsTeal
    • By TheMsTeal 13th Oct 17, 8:19 AM
    • 297 Posts
    • 1,084 Thanks
    TheMsTeal
    1.74 to cc. Thanks.
    Debt Free Day Target: November 2018

    2 Savers Club 2017: no 41
    • sashanut
    • By sashanut 13th Oct 17, 9:18 AM
    • 2,835 Posts
    • 26,262 Thanks
    sashanut
    Hi all

    Popping in to PAD - 12.80 to M&S cc please Jet - thankyou!
    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
    • jet9cat
    • By jet9cat 13th Oct 17, 9:40 PM
    • 1,472 Posts
    • 10,643 Thanks
    jet9cat
    Sorry for the late check in, nearly forgot!!


    Total for 12th October was 98.07
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • erin_transport
    • By erin_transport 13th Oct 17, 10:10 PM
    • 551 Posts
    • 2,466 Thanks
    erin_transport
    Evening
    5.00 to mortgage over payment
    5.00 to cc
    5.00 to EF
    5.00 to online savings
    20 total. Thanks
    On a mission!

    2018 MFW #138
    • cufc_mike
    • By cufc_mike 13th Oct 17, 10:35 PM
    • 585 Posts
    • 3,136 Thanks
    cufc_mike
    2.82 off my cc today
    Make 500 May Challenge: 904.40 / 500 -> My Matched Betting Blog
    • LittleMissDetermined
    • By LittleMissDetermined 14th Oct 17, 4:54 AM
    • 2,069 Posts
    • 8,702 Thanks
    LittleMissDetermined
    Just a 1.02 bank round down to the credit card for me today

    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...
    • Mummy_bear
    • By Mummy_bear 14th Oct 17, 7:33 AM
    • 307 Posts
    • 1,113 Thanks
    Mummy_bear
    Morning

    Been quiet. But still debt busting

    Yesterday I paid 171.13 towards the BC

    Will try another pad later
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) 37139.86
    6531.23/37139.86 17.58% paid
    • Cazzell
    • By Cazzell 14th Oct 17, 7:52 AM
    • 47 Posts
    • 313 Thanks
    Cazzell
    Good morning Pad of 79p to CC2 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 14th Oct 17, 8:12 AM
    • 297 Posts
    • 1,084 Thanks
    TheMsTeal
    Morning! Token 20p to cc please.
    Debt Free Day Target: November 2018

    2 Savers Club 2017: no 41
    • AdventureWanted
    • By AdventureWanted 14th Oct 17, 4:32 PM
    • 551 Posts
    • 1,633 Thanks
    AdventureWanted
    59.95 to CC1 today. Thanks.
    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
    • cufc_mike
    • By cufc_mike 14th Oct 17, 8:01 PM
    • 585 Posts
    • 3,136 Thanks
    cufc_mike
    2.18 bank round-down off my cc today
    Make 500 May Challenge: 904.40 / 500 -> My Matched Betting Blog
    • sashanut
    • By sashanut 14th Oct 17, 11:52 PM
    • 2,835 Posts
    • 26,262 Thanks
    sashanut
    Hi all

    Popping in to PAD - 500.00 to loan please Jet - thankyou!
    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
    • Mummy_bear
    • By Mummy_bear 15th Oct 17, 9:11 AM
    • 307 Posts
    • 1,113 Thanks
    Mummy_bear
    Morning

    6.16 to the BC today

    MB
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) 37139.86
    6531.23/37139.86 17.58% paid
    • LittleMissDetermined
    • By LittleMissDetermined 15th Oct 17, 9:14 AM
    • 2,069 Posts
    • 8,702 Thanks
    LittleMissDetermined
    99p purse change to the piglet bank today

    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...
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