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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 164
    • A Random Man
    • By A Random Man 3rd Jan 18, 9:48 PM
    • 192 Posts
    • 935 Thanks
    A Random Man
    Hi everyone i have made a payment of 5 towards my second credit card
    Total Debt 1st Jan 13100/11423.30 (12.79% Paid)
    Make 10 A Day In April (Matched Betting) 750/190.87
    Make 10 A Day In April (eBay) 300/1.85
    Payment A Day total: 444.19
    Halifax Credit Card, Tesco Credit Card, Barclaycard, Hitachi Loan
    • Keedie
    • By Keedie 3rd Jan 18, 10:30 PM
    • 245 Posts
    • 1,016 Thanks
    Keedie
    Hi All,

    I fell down the rabbit hole of bad financial decisions in the last year, but I am back on track now. I don't have any spare cash whatsoever to PAD, but I'll keep reading posts to check in and keep me focussed until I am in a position to do so.

    Keep up the good work everyone,
    xx
    LBM 27/06/16 = 31,400.57 (7 creditors) BUT on 12/03/2018 = 15,939.84/31,400.57 (6 creditors) = 50.76% repaid
    Aiming to be Debt Free = 31/12/2020
    • sashanut
    • By sashanut 3rd Jan 18, 11:41 PM
    • 2,827 Posts
    • 26,172 Thanks
    sashanut
    Hi all

    Popping in to PAD a rather more modest pad of 10.00 5 x 2 coins into VW campervan moneybox tks LMD
    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
    • jet9cat
    • By jet9cat 4th Jan 18, 5:52 AM
    • 1,469 Posts
    • 10,636 Thanks
    jet9cat
    Won 5 on freepostcodelottery.com so paid off the balance cc
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • LittleMissDetermined
    • By LittleMissDetermined 4th Jan 18, 6:16 AM
    • 2,066 Posts
    • 8,699 Thanks
    LittleMissDetermined
    A not too shabby day with a total for Wedesday 3rd January of

    570.13

    Well done everyone!
    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...
    • LittleMissDetermined
    • By LittleMissDetermined 4th Jan 18, 6:17 AM
    • 2,066 Posts
    • 8,699 Thanks
    LittleMissDetermined
    Back with my own PAD of 39.27

    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...
    • dreamingofmoney
    • By dreamingofmoney 4th Jan 18, 8:11 AM
    • 391 Posts
    • 4,647 Thanks
    dreamingofmoney
    Morning all
    Just a little bank tidy of 1.82 to the savings. That may be all for a couple of days.
    Take care xx
    Paying back 1% at a time 58.4%of total debt paid off.
    No. 82 PAYDBX18 3657.72/9547of debt paid from this years goal this equals 38.3%
    1st debt paid off bye bye b'card.
    5 4 debts to tackle, doing it one at a time. Original debt free date Jan 2020. New date July 2019
    • erin_transport
    • By erin_transport 4th Jan 18, 9:35 AM
    • 548 Posts
    • 2,446 Thanks
    erin_transport
    Morning
    5 to savings
    10 to cc
    5 to ctf
    20 total for me today
    On a mission!

    2018 MFW #138
    • mandz1
    • By mandz1 4th Jan 18, 9:38 AM
    • 2,548 Posts
    • 11,090 Thanks
    mandz1
    4.97 to cc1 please
    PAD Maker
    • trickster76
    • By trickster76 4th Jan 18, 10:03 AM
    • 39 Posts
    • 159 Thanks
    trickster76
    3.47 to CC2

    • RhiBi
    • By RhiBi 4th Jan 18, 10:31 AM
    • 579 Posts
    • 1,707 Thanks
    RhiBi
    Another 2 to Next for me, plus I returned an item (Christmas pjs that arrived after Christmas!!) crediting my account with another 16
    Virtual Sealed Pot 2018 #7 173.69/250
    • taskey
    • By taskey 4th Jan 18, 10:31 AM
    • 161 Posts
    • 458 Thanks
    taskey
    2.09 to argos please


    am also doing 1 a day towards xmas 2018 so building that up nicely too
    1 a day for Xmas 2018 #9 130 9/4/18 | 2 savers club #11 32| 50p's #4 30 bagged 6 loose
    • TheMsTeal
    • By TheMsTeal 4th Jan 18, 12:01 PM
    • 296 Posts
    • 1,080 Thanks
    TheMsTeal
    Afternoon All! Just returned from an internet free zone hence no posts for a while! Here's a regular payment of 101 to make up for it.
    Happy New Year!
    Debt Free Day Target: November 2018

    2 Savers Club 2017: no 41
    • kirtsypoos
    • By kirtsypoos 4th Jan 18, 2:02 PM
    • 3,423 Posts
    • 14,977 Thanks
    kirtsypoos
    Afternoon all!

    92 to our NZ 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
    • sunshine81
    • By sunshine81 4th Jan 18, 2:03 PM
    • 1,058 Posts
    • 5,682 Thanks
    sunshine81
    This probably won't happen again, but been able to pay off 1115.46 today!
    • Iheart
    • By Iheart 4th Jan 18, 7:20 PM
    • 141 Posts
    • 757 Thanks
    Iheart
    That's a great PAD Sunshine

    5.44 courtesy of TCB for me today please
    SPC11 #33
    Time to slay the loan one PAD at a time 851.46/4947.40
    • ahall3519
    • By ahall3519 4th Jan 18, 8:12 PM
    • 238 Posts
    • 810 Thanks
    ahall3519
    Thanks Kirstypoos for the advice.

    Good evening everyone! Please put me down for 10 to the OH's CC. Hope everyone is well!
    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=450.93=62% paid
    • A Random Man
    • By A Random Man 4th Jan 18, 10:12 PM
    • 192 Posts
    • 935 Thanks
    A Random Man
    7.76 overpayment towards credit card 2, mine was cashback from quidco
    Total Debt 1st Jan 13100/11423.30 (12.79% Paid)
    Make 10 A Day In April (Matched Betting) 750/190.87
    Make 10 A Day In April (eBay) 300/1.85
    Payment A Day total: 444.19
    Halifax Credit Card, Tesco Credit Card, Barclaycard, Hitachi Loan
    • Mum.Wife.Me
    • By Mum.Wife.Me 4th Jan 18, 10:16 PM
    • 17 Posts
    • 46 Thanks
    Mum.Wife.Me
    46.89 off Very tonight
    VERY 54.87/1124.88
    CC1 0/5698.96
    CC2 0/4000(TBC)
    LOAN 0/14240.00
    • sashanut
    • By sashanut 4th Jan 18, 11:30 PM
    • 2,827 Posts
    • 26,172 Thanks
    sashanut
    Hi all

    Popping in to PAD 49.00 - refund to cc - tks LMD
    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
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