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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 3,421Posts
    • 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 189
    • Onebrokelady
    • By Onebrokelady 7th Feb 18, 11:49 PM
    • 371 Posts
    • 1,007 Thanks
    Onebrokelady
    Hi can I join this challenge please,I need something to focus me and I think I understand how this works
    Just keep swimming
    Original Debt Owed Jan 18 = 17,630 Paid To Date = 770.00 Total Now Owed = 16,860
    Emergency Fund = 400.00 Xmas savings = 250.00
    • LittleMissDetermined
    • By LittleMissDetermined 8th Feb 18, 7:10 AM
    • 2,068 Posts
    • 8,701 Thanks
    LittleMissDetermined
    Welcome to the thread Onebrokelady

    My PAD today is just a bank round down to the credit card of 1.91
    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...
    • Calling14
    • By Calling14 8th Feb 18, 9:50 AM
    • 2,719 Posts
    • 19,808 Thanks
    Calling14
    Hi

    207 paid to cc today. 23% of debt gone

    LBM 13039 1.1.13 Start 2018 5552 NOW 2700
    EEK house repairs pushed it back up end of last yr

    PAYDBX 2018 #16 2852/5552 DFD 12/18
    E
    Fund #9 120/1,000
    1 x 100 days challenge
    1327/2550

    • TheMsTeal
    • By TheMsTeal 8th Feb 18, 9:59 AM
    • 297 Posts
    • 1,084 Thanks
    TheMsTeal
    5 to reg payment please.
    Debt Free Day Target: November 2018

    2 Savers Club 2017: no 41
    • erin_transport
    • By erin_transport 8th Feb 18, 10:05 AM
    • 551 Posts
    • 2,466 Thanks
    erin_transport
    Hi
    200 popped into btl mortgage overpayment today
    thanks
    Last edited by erin_transport; 08-02-2018 at 2:02 PM.
    On a mission!

    2018 MFW #138
    • sunshine81
    • By sunshine81 8th Feb 18, 12:37 PM
    • 1,068 Posts
    • 5,709 Thanks
    sunshine81
    Kirstypoos congrats on the original debt repayment!

    Nursery bill was bigger than I thought, so just 3 today for me.
    • Brookside88
    • By Brookside88 8th Feb 18, 1:23 PM
    • 155 Posts
    • 210 Thanks
    Brookside88
    Hi all,


    5 to the CC today please

    Thanks

    • Stayathomemum36
    • By Stayathomemum36 8th Feb 18, 1:28 PM
    • 48 Posts
    • 155 Thanks
    Stayathomemum36
    5.74 to my next account, my amounts are shrinking but then so is the balance
    • kirtsypoos
    • By kirtsypoos 8th Feb 18, 5:01 PM
    • 3,421 Posts
    • 14,977 Thanks
    kirtsypoos
    Afternoon all!

    30 to spendy 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
    • Onebrokelady
    • By Onebrokelady 8th Feb 18, 5:19 PM
    • 371 Posts
    • 1,007 Thanks
    Onebrokelady
    50 paid off one of my credit cards today after winding down my old bank account this was spare so it wont be this much again
    Sorry I also cant figure out how to make it coloured it doesnt seem to want to work on my iPad
    Just keep swimming
    Original Debt Owed Jan 18 = 17,630 Paid To Date = 770.00 Total Now Owed = 16,860
    Emergency Fund = 400.00 Xmas savings = 250.00
    • mandz1
    • By mandz1 8th Feb 18, 5:47 PM
    • 2,548 Posts
    • 11,090 Thanks
    mandz1
    10 to Christmas savings today please
    PAD Maker
    • AdventureWanted
    • By AdventureWanted 8th Feb 18, 6:52 PM
    • 551 Posts
    • 1,632 Thanks
    AdventureWanted
    130 dd paid to cc4 today.
    • taskey
    • By taskey 8th Feb 18, 7:05 PM
    • 161 Posts
    • 458 Thanks
    taskey
    0.51 to cc please
    1 a day for Xmas 2018 #9 130 9/4/18 | 2 savers club #11 32| 50p's #4 30 bagged 6 loose
    • sashanut
    • By sashanut 8th Feb 18, 11:34 PM
    • 2,834 Posts
    • 26,249 Thanks
    sashanut
    Hi all

    Popping in to PAD 8.15 to cc please iheart - tkyou!!

    Welcome Onebrokelady

    Well done cufc_mike - amazing progress
    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 8th Feb 18, 11:37 PM
    • 585 Posts
    • 3,134 Thanks
    cufc_mike
    4.00 mortgage overpayment from me today.
    Make 500 May Challenge: 904.40 / 500 -> My Matched Betting Blog
    • LittleMissDetermined
    • By LittleMissDetermined 9th Feb 18, 6:11 AM
    • 2,068 Posts
    • 8,701 Thanks
    LittleMissDetermined
    Morning all!

    250 to the credit cards today 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...
    • MrsPorridge
    • By MrsPorridge 9th Feb 18, 7:15 AM
    • 1,656 Posts
    • 2,643 Thanks
    MrsPorridge
    I first started Padding several years ago - it's what first got me into Moneysaving and this forum. Anyway, it's built up again over the years and I need to focus and get this sorted this year - so I'm signing up again.


    today first PAD 9 off RBS
    Getting back on Track
    • erin_transport
    • By erin_transport 9th Feb 18, 8:25 AM
    • 551 Posts
    • 2,466 Thanks
    erin_transport
    Morning
    28 to cc
    Thanks
    On a mission!

    2018 MFW #138
    • Calling14
    • By Calling14 9th Feb 18, 9:55 AM
    • 2,719 Posts
    • 19,808 Thanks
    Calling14
    9 to my virgin cc today

    Thanks for this thread, making my debt come down nicely.
    LBM 13039 1.1.13 Start 2018 5552 NOW 2700
    EEK house repairs pushed it back up end of last yr

    PAYDBX 2018 #16 2852/5552 DFD 12/18
    E
    Fund #9 120/1,000
    1 x 100 days challenge
    1327/2550

    • taskey
    • By taskey 9th Feb 18, 11:09 AM
    • 161 Posts
    • 458 Thanks
    taskey
    3 ebay sales to next please

    Thank you
    1 a day for Xmas 2018 #9 130 9/4/18 | 2 savers club #11 32| 50p's #4 30 bagged 6 loose
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