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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 3,424Posts
    • 15,000Thanks
    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 104
    • mandz1
    • By mandz1 5th Sep 17, 11:27 AM
    • 2,548 Posts
    • 11,090 Thanks
    mandz1
    morning everyone, so glad its back to school tomorrow so I will hopefully have more spare money to fling at the debt which has increased slightly over the school hols.


    70 to mum/her argos card.
    PAD Maker
    • cufc_mike
    • By cufc_mike 5th Sep 17, 11:55 PM
    • 585 Posts
    • 3,137 Thanks
    cufc_mike
    3.47 off my cc today. Closing in on that 3-figure mark now!!
    Make 500 May Challenge: 904.40 / 500 -> My Matched Betting Blog
    • sashanut
    • By sashanut 5th Sep 17, 11:59 PM
    • 2,869 Posts
    • 26,567 Thanks
    sashanut
    Hi all

    Popping to PAD 39.47 pmt 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
    • dg1019
    • By dg1019 6th Sep 17, 6:03 AM
    • 142 Posts
    • 713 Thanks
    dg1019
    Morning all.

    Total for 5th September was 390.58.
    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 6th Sep 17, 6:05 AM
    • 142 Posts
    • 713 Thanks
    dg1019
    today's pad is 2.00 to CC2.
    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 )
    • LittleMissDetermined
    • By LittleMissDetermined 6th Sep 17, 6:13 AM
    • 2,090 Posts
    • 8,804 Thanks
    LittleMissDetermined
    Morning!

    Midweek already

    My PAD today is 50 to the credit card

    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 6th Sep 17, 6:25 AM
    • 304 Posts
    • 1,098 Thanks
    TheMsTeal
    Morning! 5 to regular payment. Thanks
    Debt Free Day Target: November 2018

    2 Savers Club 2017: no 41
    • jet9cat
    • By jet9cat 6th Sep 17, 6:52 AM
    • 1,505 Posts
    • 10,796 Thanks
    jet9cat
    Morning all


    11.90 off my cc today 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 6th Sep 17, 8:00 AM
    • 322 Posts
    • 1,135 Thanks
    Mummy_bear
    Morning,

    1 to the Emergency Fund
    1 to the Overdraft
    1 to the Next account

    MB
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) 37139.86
    7397.49/37139.86 19.92% paid
    • White-as-Snow
    • By White-as-Snow 6th Sep 17, 10:07 AM
    • 242 Posts
    • 739 Thanks
    White-as-Snow
    Well Wednesday came around quickly! First day in big school for DD today! Growing way too quickly!

    62p for me to CC please x
    Total Debt:
    Dec 2015: 20,090.87
    Dec 2016: 16,320.85
    • kirtsypoos
    • By kirtsypoos 6th Sep 17, 1:04 PM
    • 3,424 Posts
    • 15,000 Thanks
    kirtsypoos
    Afternoon all!

    75 to OH BC 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
    • mandz1
    • By mandz1 6th Sep 17, 8:34 PM
    • 2,548 Posts
    • 11,090 Thanks
    mandz1
    53.50 payment to my mum pays off the money I owed her. Now onto the credit cards
    PAD Maker
    • mandz1
    • By mandz1 6th Sep 17, 8:39 PM
    • 2,548 Posts
    • 11,090 Thanks
    mandz1
    Two more payments as well
    25 to cc2 and 5.66 to very
    PAD Maker
    • ahall3519
    • By ahall3519 6th Sep 17, 8:57 PM
    • 240 Posts
    • 821 Thanks
    ahall3519
    Good evening everyone! Please put me down for 22.75 to the 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=443.43=63% paid
    • sashanut
    • By sashanut 6th Sep 17, 11:49 PM
    • 2,869 Posts
    • 26,567 Thanks
    sashanut
    Hi all

    Popping to PAD 20.00 pmt 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 7th Sep 17, 5:54 AM
    • 2,090 Posts
    • 8,804 Thanks
    LittleMissDetermined
    Good morning PADdingtons

    My PAD today is 15.95 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 7520.80/7129...
    • TheMsTeal
    • By TheMsTeal 7th Sep 17, 6:29 AM
    • 304 Posts
    • 1,098 Thanks
    TheMsTeal
    Morning fellow Padders! 5.16 to regular payments.Thanks.
    Debt Free Day Target: November 2018

    2 Savers Club 2017: no 41
    • dg1019
    • By dg1019 7th Sep 17, 8:06 AM
    • 142 Posts
    • 713 Thanks
    dg1019
    Morning all.

    Total for 6th September was 274.43.
    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 7th Sep 17, 8:07 AM
    • 142 Posts
    • 713 Thanks
    dg1019
    today's pad is 2.00 to CC2.
    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 )
    • erin_transport
    • By erin_transport 7th Sep 17, 10:08 AM
    • 567 Posts
    • 2,534 Thanks
    erin_transport
    Morning
    Busy few days here with work and travel.
    10 to mortgage over payment
    10 to cc
    20 total. Thanks
    On a mission!

    2018 MFW #138
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