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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 3,423Posts
    • 14,977Thanks
    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 148
    • kirtsypoos
    • By kirtsypoos 4th Dec 17, 10:00 AM
    • 3,423 Posts
    • 14,977 Thanks
    kirtsypoos
    Morning all!

    75 paid off our flights credit card 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
    • erin_transport
    • By erin_transport 4th Dec 17, 2:19 PM
    • 525 Posts
    • 2,340 Thanks
    erin_transport
    Afternoon all
    58 to cc
    18 to mortgage over payment
    78 total for me today
    On a mission!

    2018 MFW #138
    • LittleMissDetermined
    • By LittleMissDetermined 4th Dec 17, 3:09 PM
    • 2,043 Posts
    • 8,597 Thanks
    LittleMissDetermined
    2.67 to piglet bank today

    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 6050/7129...
    • jet9cat
    • By jet9cat 4th Dec 17, 7:35 PM
    • 1,463 Posts
    • 10,608 Thanks
    jet9cat
    Total for 3rd December was 375.15
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • taskey
    • By taskey 4th Dec 17, 7:41 PM
    • 161 Posts
    • 458 Thanks
    taskey
    10 towards Santander cc
    Last edited by taskey; 04-12-2017 at 7:43 PM. Reason: Highlight text
    1 a day for Xmas 2018 #9 130 9/4/18 | 2 savers club #11 32| 50p's #4 30 bagged 6 loose
    • AdventureWanted
    • By AdventureWanted 4th Dec 17, 9:23 PM
    • 512 Posts
    • 1,526 Thanks
    AdventureWanted
    131 paid to CC1 today.
    • ahall3519
    • By ahall3519 4th Dec 17, 9:45 PM
    • 234 Posts
    • 797 Thanks
    ahall3519
    Good evening everyone! Thanks Jet for being counter upper this month!

    Please put me down for 25 to my usual debt two and also 20 to the OH's CC.

    Mine is nearly gone! Woo hoo! And we've gone under the 1000 mark on the OH's CC!
    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 4th Dec 17, 10:52 PM
    • 583 Posts
    • 3,123 Thanks
    cufc_mike
    2.30 mortgage overpayment today.

    So according to a spreadsheet I found on MSE which helps calculate mortgage overpayments, and the impact they will have, I have already reduced the length of my 17 yr mortgage by 1 month. I'm going to enjoy these overpayments
    Make 500 May Challenge: 738.36 / 500 -> My Matched Betting Blog
    • Cazzell
    • By Cazzell 5th Dec 17, 5:51 AM
    • 47 Posts
    • 313 Thanks
    Cazzell
    Morning all. Todays PAD is 41.23 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)
    • LittleMissDetermined
    • By LittleMissDetermined 5th Dec 17, 6:28 AM
    • 2,043 Posts
    • 8,597 Thanks
    LittleMissDetermined
    Morning everyone

    My offering today is 39.26 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 6050/7129...
    • TheMsTeal
    • By TheMsTeal 5th Dec 17, 10:29 AM
    • 275 Posts
    • 1,014 Thanks
    TheMsTeal
    5 to regular payment.
    Debt Free Day Target: November 2018

    2 Savers Club 2017: no 41
    • Florence J
    • By Florence J 5th Dec 17, 2:01 PM
    • 1,893 Posts
    • 11,183 Thanks
    Florence J
    30 to Mr T CC. Last official payment of the year!
    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
    • catlady1990
    • By catlady1990 5th Dec 17, 2:52 PM
    • 82 Posts
    • 341 Thanks
    catlady1990
    Not been on for a while but just my usual 3 to mum's debt today. It's slowly going down and I've managed to pay off one cc which is great so I'm getting there. Only two more cc's to pay off, by which time (hopefully my loan will be paid off). I aim to be debt free by may 2019 :-)
    Cc debt 8700
    Loan 2261
    Bank of mum 1100/ 2000
    • taskey
    • By taskey 5th Dec 17, 3:17 PM
    • 161 Posts
    • 458 Thanks
    taskey
    0.91 bank round down towards next account
    1 a day for Xmas 2018 #9 130 9/4/18 | 2 savers club #11 32| 50p's #4 30 bagged 6 loose
    • jet9cat
    • By jet9cat 5th Dec 17, 5:28 PM
    • 1,463 Posts
    • 10,608 Thanks
    jet9cat
    Welcome to newbies and occasional posters joining in.


    Well done ahall - always nice to see milestones reached and real progress being made.


    cufc-mike - sounds really motivating calculating the difference the payments will make.


    We are being quite consistent - yesterday's total was 373.72
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • AdventureWanted
    • By AdventureWanted 5th Dec 17, 7:38 PM
    • 512 Posts
    • 1,526 Thanks
    AdventureWanted
    32.30 paid to CC1 today.
    • erin_transport
    • By erin_transport 5th Dec 17, 11:22 PM
    • 525 Posts
    • 2,340 Thanks
    erin_transport
    Hi
    50 to pension pot
    2 to online savings
    52 total.
    On a mission!

    2018 MFW #138
    • sashanut
    • By sashanut 5th Dec 17, 11:36 PM
    • 2,791 Posts
    • 25,881 Thanks
    sashanut
    Hi all

    Popping in to PAD - 20.00 pmt to M&S cc - plz Jet - 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 6th Dec 17, 12:05 AM
    • 583 Posts
    • 3,123 Thanks
    cufc_mike
    7.10 mortgage overpayment today...well technically yesterday (5th)
    Make 500 May Challenge: 738.36 / 500 -> My Matched Betting Blog
    • beach-holiday
    • By beach-holiday 6th Dec 17, 5:39 AM
    • 135 Posts
    • 468 Thanks
    beach-holiday
    Finally remembering to post

    Just a little 2.11 for me off target CC

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

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