Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • 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 107
    • TheMsTeal
    • By TheMsTeal 11th Sep 17, 9:33 AM
    • 304 Posts
    • 1,098 Thanks
    TheMsTeal
    Morning All! 1 to cc please.
    Debt Free Day Target: November 2018

    2 Savers Club 2017: no 41
    • arc2014
    • By arc2014 11th Sep 17, 11:04 AM
    • 193 Posts
    • 839 Thanks
    arc2014
    Another little round down of 58p for me today! Every penny counts...!!

    Big payments coming next week!
    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!
    • Mummy_bear
    • By Mummy_bear 11th Sep 17, 11:48 AM
    • 318 Posts
    • 1,128 Thanks
    Mummy_bear
    Morning,

    66 paid...overdraft cleared
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) 37139.86
    7397.49/37139.86 19.92% paid
    • Erme
    • By Erme 11th Sep 17, 4:05 PM
    • 3,596 Posts
    • 21,542 Thanks
    Erme
    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!
    Originally posted by arc2014
    Here, here!!! you so can do this!!!

    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
    Originally posted by IWILLgetthere
    Little pads are still little pads. Don't be disheartened (says she whose wondering when she can save between now and New Year! Yes I did need that bargain heater from Amazon - but the downside is - tis mail order - might not arrive in one piece ).

    I haven't said this mantra of mine for a while but Jet knows it and it's true! tis not going down (or getting into debt) that's the crime but staying down (no lightbulb moment)and yes, all of you that are struggling right now can so do this....and yes, one day you will get debt free. I was 8k in debt when I started and on benefits - to which I added another 900 due to paranoia shortly after. Don't be ashamed either to change tactics if you are stalling or adding to debt - no shame in trying something new to get back on the debt busting wagon

    Know we are all here for you even if life is pants and you just need to vent

    E

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


    • IWILLgetthere
    • By IWILLgetthere 11th Sep 17, 6:10 PM
    • 68 Posts
    • 311 Thanks
    IWILLgetthere
    Hello everyone
    Just 1.77 to Next for me today please
    • IWILLgetthere
    • By IWILLgetthere 11th Sep 17, 6:13 PM
    • 68 Posts
    • 311 Thanks
    IWILLgetthere
    Here, here!!! you so can do this!!!



    Little pads are still little pads. Don't be disheartened (says she whose wondering when she can save between now and New Year! Yes I did need that bargain heater from Amazon - but the downside is - tis mail order - might not arrive in one piece ).

    I haven't said this mantra of mine for a while but Jet knows it and it's true! tis not going down (or getting into debt) that's the crime but staying down (no lightbulb moment)and yes, all of you that are struggling right now can so do this....and yes, one day you will get debt free. I was 8k in debt when I started and on benefits - to which I added another 900 due to paranoia shortly after. Don't be ashamed either to change tactics if you are stalling or adding to debt - no shame in trying something new to get back on the debt busting wagon

    Know we are all here for you even if life is pants and you just need to vent

    E
    Originally posted by Erme
    Thank you Erme I've been really struggling to see how I'll ever have any money that isn't owed out! you've just given me a little boost and reminded me that I can do this !
    Last edited by IWILLgetthere; 11-09-2017 at 6:18 PM. Reason: needed to add more to my comment
    • erin_transport
    • By erin_transport 11th Sep 17, 9:41 PM
    • 564 Posts
    • 2,530 Thanks
    erin_transport
    Hi
    8 to cc
    8 to mortgage over payment
    16 total. Thanks
    On a mission!

    2018 MFW #138
    • sashanut
    • By sashanut 11th Sep 17, 11:14 PM
    • 2,868 Posts
    • 26,546 Thanks
    sashanut
    Hi all

    Popping to PAD 63.39 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
    • dg1019
    • By dg1019 12th Sep 17, 6:38 AM
    • 142 Posts
    • 713 Thanks
    dg1019
    Morning all.

    Total for 11th September was 178.44.
    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 12th Sep 17, 6:39 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 12th Sep 17, 6:43 AM
    • 2,087 Posts
    • 8,798 Thanks
    LittleMissDetermined
    Small bank round down for me today of 1.29


    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 12th Sep 17, 8:18 AM
    • 304 Posts
    • 1,098 Thanks
    TheMsTeal
    Just a tiny 0.26 to cc today please.
    Debt Free Day Target: November 2018

    2 Savers Club 2017: no 41
    • IWILLgetthere
    • By IWILLgetthere 12th Sep 17, 5:22 PM
    • 68 Posts
    • 311 Thanks
    IWILLgetthere
    Hello PADders
    1.15 to next for me today please
    • kirtsypoos
    • By kirtsypoos 12th Sep 17, 7:55 PM
    • 3,424 Posts
    • 15,000 Thanks
    kirtsypoos
    Evening all!

    9 to OHs CC 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
    • ahall3519
    • By ahall3519 12th Sep 17, 8:28 PM
    • 240 Posts
    • 821 Thanks
    ahall3519
    Good evening everyone! I've been a bit quiet as been away. So please put me down for 10 to the usual debt two! Having problems trying to set up a new payee on my online banking so had to phone up Lloyds tonight and make a payment.
    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
    • jet9cat
    • By jet9cat 12th Sep 17, 9:36 PM
    • 1,501 Posts
    • 10,783 Thanks
    jet9cat
    Small survey payout means a payment of 5 to balance cc1 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 12th Sep 17, 9:54 PM
    • 585 Posts
    • 3,137 Thanks
    cufc_mike
    2.08 off my cc today
    Make 500 May Challenge: 904.40 / 500 -> My Matched Betting Blog
    • erin_transport
    • By erin_transport 12th Sep 17, 10:25 PM
    • 564 Posts
    • 2,530 Thanks
    erin_transport
    Hi
    Bank tidy up of
    5.13 to cc
    On a mission!

    2018 MFW #138
    • sashanut
    • By sashanut 12th Sep 17, 11:18 PM
    • 2,868 Posts
    • 26,546 Thanks
    sashanut
    Hi all

    Popping to PAD 8.10 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 13th Sep 17, 6:50 AM
    • 2,087 Posts
    • 8,798 Thanks
    LittleMissDetermined
    Morning!

    A small but mighty 31p 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...
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

60Posts Today

1,890Users online

Martin's Twitter
  • RT @bbcthehour: "Mental health and debt is a marriage made in hell" @MartinSLewis told the Senedd when people are more vulnerable they're m?

  • RT @justindeaville: @MartinSLewis I looked it up when we last went. It's ball speed. And it's about O.3 seconds to cross the court. @Martin?

  • Amazing how empty the #Wimbledon court is for the mixed doubles even though there's a Brit playing. The bars outside are rammed though

  • Follow Martin