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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 106
    • mandz1
    • By mandz1 9th Sep 17, 11:44 AM
    • 2,548 Posts
    • 11,090 Thanks
    mandz1
    4.02 to very today
    PAD Maker
    • dg1019
    • By dg1019 9th Sep 17, 11:51 AM
    • 142 Posts
    • 713 Thanks
    dg1019
    Morning all.

    Total for 8th September was 300.68.
    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 9th Sep 17, 11:52 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 )
    • TheMsTeal
    • By TheMsTeal 9th Sep 17, 1:47 PM
    • 304 Posts
    • 1,098 Thanks
    TheMsTeal
    1 to cc.
    Debt Free Day Target: November 2018

    2 Savers Club 2017: no 41
    • White-as-Snow
    • By White-as-Snow 9th Sep 17, 2:26 PM
    • 242 Posts
    • 739 Thanks
    White-as-Snow
    A mahoosive 60p again please hahah at least its something
    Total Debt:
    Dec 2015: 20,090.87
    Dec 2016: 16,320.85
    • jet9cat
    • By jet9cat 9th Sep 17, 4:32 PM
    • 1,501 Posts
    • 10,783 Thanks
    jet9cat
    Welcome to the thread arc2014


    10 paid off to balance cc2 for me today please
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • IWILLgetthere
    • By IWILLgetthere 9th Sep 17, 6:12 PM
    • 68 Posts
    • 311 Thanks
    IWILLgetthere
    Hello all
    I haven't done a PAD for ages as my money situation is dire at the moment and hav really struggled just to pay the basics - August was a very expensive month for me
    so today's huge offering is 0.42pto Next please ... every penny does count I guess!
    Have seriously missed making my PAD and seeing how well everyone is doing
    • sashanut
    • By sashanut 9th Sep 17, 11:22 PM
    • 2,868 Posts
    • 26,546 Thanks
    sashanut
    Hi all

    Popping to PAD 8.10 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
    • Florence J
    • By Florence J 9th Sep 17, 11:25 PM
    • 1,893 Posts
    • 11,188 Thanks
    Florence J
    29 to Mr T CC
    Sealed Pot Challenge 11 #553
    1000 Emergency Fund Challenge #253
    Wombling free 2017 = 2195.92
    Pay off all your debts by Xmas 2017 #53 (3168.45/3000)
    February 2018 Credit Card Debt: 3885
    • dg1019
    • By dg1019 10th Sep 17, 9:04 AM
    • 142 Posts
    • 713 Thanks
    dg1019
    Morning all.

    Total for 9th September was 470.14.
    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 10th Sep 17, 9:05 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 )
    • arc2014
    • By arc2014 10th Sep 17, 9:10 AM
    • 193 Posts
    • 839 Thanks
    arc2014
    Little bank round down of 1.70 PAD today!
    Last edited by arc2014; 10-09-2017 at 9:29 AM. Reason: Spelling
    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!
    • TheMsTeal
    • By TheMsTeal 10th Sep 17, 9:16 AM
    • 304 Posts
    • 1,098 Thanks
    TheMsTeal
    1 to cc. Thanks.
    Debt Free Day Target: November 2018

    2 Savers Club 2017: no 41
    • mandz1
    • By mandz1 10th Sep 17, 1:25 PM
    • 2,548 Posts
    • 11,090 Thanks
    mandz1
    40.00 to cc1 today please
    PAD Maker
    • cufc_mike
    • By cufc_mike 10th Sep 17, 7:57 PM
    • 585 Posts
    • 3,137 Thanks
    cufc_mike
    21.52 off my cc today
    Make 500 May Challenge: 904.40 / 500 -> My Matched Betting Blog
    • IWILLgetthere
    • By IWILLgetthere 10th Sep 17, 8:19 PM
    • 68 Posts
    • 311 Thanks
    IWILLgetthere
    Evening PADders
    3.07 to barclaycard for me today please.
    So inspiring to read all your posts and see your figures going down .. I have had a day wondering if I will ever have a spare 1 that isn't needed ! ho hum! reading all your posts is definitely helping me to think I WILL get there ! thanks guys
    • sashanut
    • By sashanut 10th Sep 17, 11:42 PM
    • 2,868 Posts
    • 26,546 Thanks
    sashanut
    Hi all

    Popping to PAD 4.00 2 x 2 coins into VW campervan moneybox 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 11th Sep 17, 2:45 AM
    • 142 Posts
    • 713 Thanks
    dg1019
    Morning all.

    Total for 10th September was 73.29.
    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 11th Sep 17, 2:46 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 11th Sep 17, 5:14 AM
    • 2,087 Posts
    • 8,798 Thanks
    LittleMissDetermined
    Morning everyone

    My PAD today is 27.70 finance payment 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...
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