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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 3,423Posts
    • 14,975Thanks
    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 146
    • jet9cat
    • By jet9cat 29th Nov 17, 6:30 PM
    • 1,462 Posts
    • 10,598 Thanks
    jet9cat
    Pay day tomorrow so swept the remaining current account balance of 20 into balance cc2.
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • ahall3519
    • By ahall3519 29th Nov 17, 8:30 PM
    • 234 Posts
    • 795 Thanks
    ahall3519
    Good evening everyone! Hope everyone is well! Please put me down for 75 to the OH's CC. Thanks! A big jump from 8% to 14% paid! Woo hoo!
    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=475.93=60% paid
    • cufc_mike
    • By cufc_mike 29th Nov 17, 8:56 PM
    • 583 Posts
    • 3,123 Thanks
    cufc_mike
    The total payments for Tuesday 28th November:
    532.27



    CURRENT NOVEMBER TOTAL:
    11,457.18

    Make 500 May Challenge: 738.36 / 500 -> My Matched Betting Blog
    • AdventureWanted
    • By AdventureWanted 29th Nov 17, 9:30 PM
    • 507 Posts
    • 1,505 Thanks
    AdventureWanted
    325 paid to CC1 today.
    • cufc_mike
    • By cufc_mike 29th Nov 17, 10:38 PM
    • 583 Posts
    • 3,123 Thanks
    cufc_mike
    25.94 today, into my mortgage overpayments pot.
    Make 500 May Challenge: 738.36 / 500 -> My Matched Betting Blog
    • sashanut
    • By sashanut 29th Nov 17, 11:39 PM
    • 2,786 Posts
    • 25,835 Thanks
    sashanut
    Hi all

    Popping in to PAD - 7.96 pmt to M&S cc - plz cufc_mike - 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
    • cufc_mike
    • By cufc_mike 30th Nov 17, 12:08 AM
    • 583 Posts
    • 3,123 Thanks
    cufc_mike
    The total payments for Wednesday 29th November:
    734.83



    CURRENT NOVEMBER TOTAL:
    12,192.01

    Make 500 May Challenge: 738.36 / 500 -> My Matched Betting Blog
    • LittleMissDetermined
    • By LittleMissDetermined 30th Nov 17, 6:34 AM
    • 2,039 Posts
    • 8,574 Thanks
    LittleMissDetermined
    Urgh... surprise utility bill this morning from readings yesterday 184.74 which kind of wipes out the saving I made yesterday somewhat! Merry Christmas

    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 6050/7129...
    • mandz1
    • By mandz1 30th Nov 17, 6:35 AM
    • 2,548 Posts
    • 11,090 Thanks
    mandz1
    3.17 to Very please
    PAD Maker
    • Cazzell
    • By Cazzell 30th Nov 17, 7:48 AM
    • 47 Posts
    • 313 Thanks
    Cazzell
    Todays PAD includes a refund from utility company. 670.43 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 30th Nov 17, 8:23 AM
    • 273 Posts
    • 1,002 Thanks
    TheMsTeal
    Loose change: 30p to cc.
    Debt Free Day Target: November 2018

    2 Savers Club 2017: no 41
    • beach-holiday
    • By beach-holiday 30th Nov 17, 9:24 AM
    • 135 Posts
    • 468 Thanks
    beach-holiday
    Hi There

    I've been away from here for a long time, but want to come back pleeeze!

    This morning I've made a start and paid the remaining balance on one of my ccs, so my PAD today is 18.02

    thank you

    beach-holiday
    #014 SPC10 2017 - 500 target
    1% Challenge - 4% paid (start: 3858; now 3698)

    • Picklepot
    • By Picklepot 30th Nov 17, 1:44 PM
    • 304 Posts
    • 4,237 Thanks
    Picklepot
    70p

    round down of account
    • AdventureWanted
    • By AdventureWanted 30th Nov 17, 4:08 PM
    • 507 Posts
    • 1,505 Thanks
    AdventureWanted
    130 paid to CC4 today.
    • IWILLgetthere
    • By IWILLgetthere 30th Nov 17, 5:38 PM
    • 68 Posts
    • 311 Thanks
    IWILLgetthere
    Good evening everyone
    Sorry I've not been on here for a while - had things on my mind and taken my eye off the ball recently
    Please put me down for 120 re-paid to a very patient friend who lent me money AGES ago!
    • sashanut
    • By sashanut 30th Nov 17, 11:32 PM
    • 2,786 Posts
    • 25,835 Thanks
    sashanut
    Hi all

    Popping in to PAD - 1639.97 pmt to M&S cc - plz cufc_mike - 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
    • cufc_mike
    • By cufc_mike 30th Nov 17, 11:45 PM
    • 583 Posts
    • 3,123 Thanks
    cufc_mike
    20.04 mortgage overpayment today
    Make 500 May Challenge: 738.36 / 500 -> My Matched Betting Blog
    • cufc_mike
    • By cufc_mike 1st Dec 17, 12:11 AM
    • 583 Posts
    • 3,123 Thanks
    cufc_mike
    What an unbelievable end to the month! Seriously impressive!

    The total payments for Thursday 30th November:
    2,787.37



    NOVEMBER TOTAL:
    14,979.38


    So very nearly hit the 15,000 mark, but all in all, a fantastic month. Well done everybody.

    Would anybody like to volunteer to tot up the totals for December?
    Make 500 May Challenge: 738.36 / 500 -> My Matched Betting Blog
    • TheMsTeal
    • By TheMsTeal 1st Dec 17, 6:14 AM
    • 273 Posts
    • 1,002 Thanks
    TheMsTeal
    Loose change: 30p to cc.
    Debt Free Day Target: November 2018

    2 Savers Club 2017: no 41
    • LittleMissDetermined
    • By LittleMissDetermined 1st Dec 17, 8:36 AM
    • 2,039 Posts
    • 8,574 Thanks
    LittleMissDetermined
    Morning all!

    I!!!8217;m away this weekend but as it!!!8217;s the first of the month I have various payment to make totally a PAD of 154.23

    Many thanks

    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 6050/7129...
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