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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 105
    • White-as-Snow
    • By White-as-Snow 7th Sep 17, 10:34 AM
    • 242 Posts
    • 739 Thanks
    White-as-Snow
    Hi hi!

    all of 68 p today please xx
    Total Debt:
    Dec 2015: 20,090.87
    Dec 2016: 16,320.85
    • sashybo
    • By sashybo 7th Sep 17, 12:02 PM
    • 2,782 Posts
    • 20,627 Thanks
    sashybo
    Hi all, a PAD of 44 to loan no1 today. Got my payment from 0nepoll.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - 10,622 extra paid off debt. Total Debt paid off 51,690
    Loan 2094.25, CC 0% BT 980, Car loans 22,048.31

    Have a Debt Free Diary to try & keep spending in check.
    • jet9cat
    • By jet9cat 7th Sep 17, 12:13 PM
    • 1,505 Posts
    • 10,797 Thanks
    jet9cat
    paid 16 off balance cc2 today
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • Erme
    • By Erme 7th Sep 17, 4:52 PM
    • 3,596 Posts
    • 21,542 Thanks
    Erme
    September is turning into a mini nightmare mind wise. Not aided by trying to fix mind by spending . So back on the 1 treats budget today for this - still have my 18p Basil plant from my bad mind episode in the summer

    Yes I maybe unwell but that is no excuse not to budget and take responsibility. It's about baby steps - allowing for the whoopsies and doing what I can when I can . Ready meals allowed. Ready meals with grated/chopped up veg even better though!!! I did this yesterday - pre baked (in frozen section) jacket spud with a grated carrot and the last of a lettuce done in the food processor with grated cheese (again food processor), 1/2 can of baked beans and mayo

    So easy yet so healthy! Healthy bod, healthy mind

    E
    Last edited by Erme; 07-09-2017 at 4:54 PM.

    I believe in the power of PAD
    Come and join us on the Payment a Day thread


    • kirtsypoos
    • By kirtsypoos 7th Sep 17, 10:47 PM
    • 3,424 Posts
    • 15,000 Thanks
    kirtsypoos
    Evening all!

    26 to OH BC CC which takes it under 500....just, but it still counts right?!
    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
    • sashanut
    • By sashanut 7th Sep 17, 11:39 PM
    • 2,869 Posts
    • 26,569 Thanks
    sashanut
    Hi all

    Popping to PAD 12.66 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 8th Sep 17, 3:25 AM
    • 142 Posts
    • 713 Thanks
    dg1019
    Morning all.

    Total for 7th September was 142.45.
    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 8th Sep 17, 3:50 AM
    • 142 Posts
    • 713 Thanks
    dg1019
    today's pad is 2.00 to CC1.
    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 8th Sep 17, 7:47 AM
    • 2,090 Posts
    • 8,804 Thanks
    LittleMissDetermined
    Morning! 5.77 for me today please. I'm away this weekend but will try and still get on and PAD

    LMD xx
    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...
    • Erme
    • By Erme 8th Sep 17, 10:35 AM
    • 3,596 Posts
    • 21,542 Thanks
    Erme
    Have a good weekend LMD. Hugs....

    I have anxiety and nausea - easy day for me today

    Doesn't mean I can't sing - Keep on padding - padding from thy haaaarrt, one fine day you're going to get debt free, cos I know ya will, oh yeah, I know ya will

    I believe in the power of PAD
    Come and join us on the Payment a Day thread


    • erin_transport
    • By erin_transport 8th Sep 17, 12:54 PM
    • 567 Posts
    • 2,534 Thanks
    erin_transport
    Hi
    12.50 mortgage over payment
    12.50 pension pot
    12.50 savings online
    37.50 total.
    On a mission!

    2018 MFW #138
    • Chappie77
    • By Chappie77 8th Sep 17, 1:08 PM
    • 165 Posts
    • 771 Thanks
    Chappie77
    Afternoon all!

    I've been so busy that this is my first update in 2 weeks.

    200 paid = 1310/2226.93

    Chappie x
    Last edited by Chappie77; 08-09-2017 at 1:10 PM.
    Payment a Day 2018 Very 1701.22/1701.22 Business Barclaycard 0/633.19 Saving for Xmas 2018 156/500 Virtual Sealed Pot 2018 325/700 PAYDBX2018 2959.75/7268.47 2 Savers Club 2018 90
    • TheMsTeal
    • By TheMsTeal 8th Sep 17, 3:32 PM
    • 304 Posts
    • 1,098 Thanks
    TheMsTeal
    Afternoon All! 5.03 to regular payments.
    Debt Free Day Target: November 2018

    2 Savers Club 2017: no 41
    • jet9cat
    • By jet9cat 8th Sep 17, 3:49 PM
    • 1,505 Posts
    • 10,797 Thanks
    jet9cat
    8.90 paid off 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 8th Sep 17, 5:13 PM
    • 322 Posts
    • 1,135 Thanks
    Mummy_bear
    5 to NEXT account
    3 to OD
    3 to Emergency Fund
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) 37139.86
    7397.49/37139.86 19.92% paid
    • sashybo
    • By sashybo 8th Sep 17, 5:32 PM
    • 2,782 Posts
    • 20,627 Thanks
    sashybo
    Hi all, 16 PAD to loan no1 today as more survey money through.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - 10,622 extra paid off debt. Total Debt paid off 51,690
    Loan 2094.25, CC 0% BT 980, Car loans 22,048.31

    Have a Debt Free Diary to try & keep spending in check.
    • cufc_mike
    • By cufc_mike 8th Sep 17, 11:07 PM
    • 585 Posts
    • 3,137 Thanks
    cufc_mike
    2.48 off my cc today
    Make 500 May Challenge: 904.40 / 500 -> My Matched Betting Blog
    • sashanut
    • By sashanut 8th Sep 17, 11:33 PM
    • 2,869 Posts
    • 26,569 Thanks
    sashanut
    Hi all

    Popping to PAD 12.00 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
    • erin_transport
    • By erin_transport 9th Sep 17, 8:23 AM
    • 567 Posts
    • 2,534 Thanks
    erin_transport
    Morning
    250 to online savings
    150 to mortgage over payment
    400 total today
    On a mission!

    2018 MFW #138
    • arc2014
    • By arc2014 9th Sep 17, 10:39 AM
    • 193 Posts
    • 839 Thanks
    arc2014
    I'm going to join if you don't mind!

    Just made a 15 payment! Here's to a day closer to being debt free!
    Logbook Loan 970.42/1000 DC1 90/1420.32 DC2 10/321.13 DC3 11.75/11.75 DC4 60/635 Personal Loan 1706.96/5000 Overdraft 0/1200 Total 2675.76/9388.20
    SPC #200
    PAYDBX18 #014 - 761.74/10,000
    Lightbulb Moment September 2017 - DFD Christmas 2018!
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