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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 3,423Posts
    • 14,965Thanks
    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 191
    • AdventureWanted
    • By AdventureWanted 11th Feb 18, 7:50 AM
    • 461 Posts
    • 1,409 Thanks
    AdventureWanted
    11 to CC2 today.
    • Stayathomemum36
    • By Stayathomemum36 11th Feb 18, 9:19 AM
    • 47 Posts
    • 151 Thanks
    Stayathomemum36
    2.50 to my next account today
    PAD 2018 867 1k emergency fund chall 368 / 1000. DFD "Making the changes and sticking to it".O/D 550/0 [STRIKE]Next 636 0[/STRIKE CC Debt: 2903128182.10
    • LittleMissDetermined
    • By LittleMissDetermined 11th Feb 18, 10:05 AM
    • 2,005 Posts
    • 8,432 Thanks
    LittleMissDetermined
    Morning

    54p purse change to piglet bank

    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...
    • ahall3519
    • By ahall3519 11th Feb 18, 1:05 PM
    • 233 Posts
    • 791 Thanks
    ahall3519
    Good afternoon everyone! Hope everyone is well! Please put me down for 25 to the OH's CC. My aim is to be 50% paid by the end of March!
    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=483.43=59% paid
    • erin_transport
    • By erin_transport 11th Feb 18, 1:07 PM
    • 497 Posts
    • 2,231 Thanks
    erin_transport
    Hi
    Well done AHall - you're flying through that cc!
    Today, my contributions are
    10 to isa
    10 to p2p savings
    20 total.
    On a mission!

    2018 MFW #138
    • MrsPorridge
    • By MrsPorridge 11th Feb 18, 1:53 PM
    • 1,649 Posts
    • 2,622 Thanks
    MrsPorridge
    11 to RBS for me today please.
    Getting back on Track
    • kirtsypoos
    • By kirtsypoos 11th Feb 18, 4:18 PM
    • 3,423 Posts
    • 14,965 Thanks
    kirtsypoos
    Afternoon all!

    47.39 OP to car loan 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 11th Feb 18, 9:36 PM
    • 980 Posts
    • 5,290 Thanks
    sunshine81
    Just 3 for me today.
    • cufc_mike
    • By cufc_mike 11th Feb 18, 10:36 PM
    • 565 Posts
    • 3,030 Thanks
    cufc_mike
    23.91 mortgage overpayment today
    Make 1,000 April Challenge: 1,070.51 / 1,000 -> My Matched Betting Blog
    Mortgage Overpayments: 2,843.47 | 1,532.84 Interest Saved
    Mortgage End Date: Was 01/06/2033 -> Now: 01/10/2031 (reduced by 20 months by PAD'ing)
    • sashanut
    • By sashanut 11th Feb 18, 11:59 PM
    • 2,765 Posts
    • 25,634 Thanks
    sashanut
    Hi all

    Popping in to PAD 12.00 to cc please iheart - 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
    • mandz1
    • By mandz1 12th Feb 18, 5:07 AM
    • 2,548 Posts
    • 11,090 Thanks
    mandz1
    Early morning 9.08 to cc1 please
    PAD Maker
    • sunshine81
    • By sunshine81 12th Feb 18, 7:28 AM
    • 980 Posts
    • 5,290 Thanks
    sunshine81
    Morning - 93 today to Barclaycard.
    • Stayathomemum36
    • By Stayathomemum36 12th Feb 18, 8:20 AM
    • 47 Posts
    • 151 Thanks
    Stayathomemum36
    Morning, 2.50 to my next account - This is addictive!
    PAD 2018 867 1k emergency fund chall 368 / 1000. DFD "Making the changes and sticking to it".O/D 550/0 [STRIKE]Next 636 0[/STRIKE CC Debt: 2903128182.10
    • LittleMissDetermined
    • By LittleMissDetermined 12th Feb 18, 8:40 AM
    • 2,005 Posts
    • 8,432 Thanks
    LittleMissDetermined
    Morning all

    My PAD is 27.70 regular finance payment

    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 12th Feb 18, 9:24 AM
    • 257 Posts
    • 981 Thanks
    TheMsTeal
    Loose change: 40p to cc.
    Debt Free Day Target: November 2018

    2 Savers Club 2017: no 41
    • erin_transport
    • By erin_transport 12th Feb 18, 9:57 AM
    • 497 Posts
    • 2,231 Thanks
    erin_transport
    Morning
    18 to mortgage over payment
    58 to cc
    Total for me today 76
    On a mission!

    2018 MFW #138
    • kirtsypoos
    • By kirtsypoos 12th Feb 18, 10:23 AM
    • 3,423 Posts
    • 14,965 Thanks
    kirtsypoos
    Morning all,

    63.94 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
    • Calling14
    • By Calling14 12th Feb 18, 2:16 PM
    • 2,684 Posts
    • 19,703 Thanks
    Calling14
    6 to cc today. Thanks
    LBM 13039 1.1.13 Start 2018 5552 NOW 3387
    EEK house repairs pushed it back up end of last yr

    PAYDBX 2018 #16 2165/5552 DFD 12/18
    E
    Fund #9 220/1,000
    1 x 100 days challenge
    2000/2000

    • AdventureWanted
    • By AdventureWanted 12th Feb 18, 3:10 PM
    • 461 Posts
    • 1,409 Thanks
    AdventureWanted
    180 dd payment to CC2.
    • cufc_mike
    • By cufc_mike 12th Feb 18, 11:17 PM
    • 565 Posts
    • 3,030 Thanks
    cufc_mike
    15.76 mortgage overpayment today
    Make 1,000 April Challenge: 1,070.51 / 1,000 -> My Matched Betting Blog
    Mortgage Overpayments: 2,843.47 | 1,532.84 Interest Saved
    Mortgage End Date: Was 01/06/2033 -> Now: 01/10/2031 (reduced by 20 months by PAD'ing)
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