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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 201
    • cufc_mike
    • By cufc_mike 4th Mar 18, 10:22 PM
    • 583 Posts
    • 3,123 Thanks
    cufc_mike
    24.73 mortgage overpayment today please

    Knocked an extra month off with yesterday's payment.
    Make 500 May Challenge: 738.36 / 500 -> My Matched Betting Blog
    • sashanut
    • By sashanut 4th Mar 18, 11:55 PM
    • 2,793 Posts
    • 25,902 Thanks
    sashanut
    Hi all

    Popping in to PAD 18.80 to cc please sunshine - tkyou!!

    So sorry to hear your sad news Jet - really feel for you

    Thanks for all the good wishes re the card cloning - the only thing I can think is that it was done with a device, I know you can get special cases that don't allow your card to be read, maybe I should get one of those. My DD said it nearly always happens when you withdraw cash, but this being a CC I never have used it for that purpose, so a mystery.

    BTW mike - congratulations on your mortgage overpayments - it's going really well
    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
    • trickster76
    • By trickster76 5th Mar 18, 11:00 AM
    • 39 Posts
    • 159 Thanks
    trickster76
    3.12 to CC

    • kirtsypoos
    • By kirtsypoos 5th Mar 18, 11:15 AM
    • 3,423 Posts
    • 14,977 Thanks
    kirtsypoos
    Morning all,

    75 normal DD to 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
    • Calling14
    • By Calling14 5th Mar 18, 11:40 AM
    • 2,703 Posts
    • 19,750 Thanks
    Calling14
    68.00 PAD for me today
    LBM 13039 1.1.13 Start 2018 5552 NOW 3112
    EEK house repairs pushed it back up end of last yr

    PAYDBX 2018 #16 2440/5552 DFD 12/18
    E
    Fund #9 220/1,000
    1 x 100 days challenge
    865/2550

    • RhiBi
    • By RhiBi 5th Mar 18, 7:50 PM
    • 540 Posts
    • 1,581 Thanks
    RhiBi
    5 PADding today!
    Virtual Sealed Pot 2018 #7 173.69/250
    • cufc_mike
    • By cufc_mike 5th Mar 18, 10:06 PM
    • 583 Posts
    • 3,123 Thanks
    cufc_mike
    16.60 mortgage overpayment for me today

    My PAD'ding means I've saved just over 1,000 in interest payments now
    Last edited by cufc_mike; 05-03-2018 at 10:09 PM.
    Make 500 May Challenge: 738.36 / 500 -> My Matched Betting Blog
    • erin_transport
    • By erin_transport 5th Mar 18, 10:43 PM
    • 528 Posts
    • 2,351 Thanks
    erin_transport
    Hi
    5 to cc
    5 to savings
    5 to mortgage over payment
    15 total for me today
    On a mission!

    2018 MFW #138
    • sunshine81
    • By sunshine81 5th Mar 18, 11:29 PM
    • 1,024 Posts
    • 5,499 Thanks
    sunshine81
    Oh Jet I just noticed the post about your cat - I'm very sorry to hear this

    Sorry I'm late - manic Monday and all - yesterday we did great! 719.62 in PADs big and small but every one of wonderful value.

    5 paid off for me today.

    E x
    • sashanut
    • By sashanut 5th Mar 18, 11:44 PM
    • 2,793 Posts
    • 25,902 Thanks
    sashanut
    Hi all

    Popping in to PAD 7.00 to cc please sunshine - 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
    • sunshine81
    • By sunshine81 6th Mar 18, 6:05 AM
    • 1,024 Posts
    • 5,499 Thanks
    sunshine81
    A not too shabby 194.72 was paid yesterday!

    5 for me today.

    Have a good day x
    • jet9cat
    • By jet9cat 6th Mar 18, 6:25 AM
    • 1,464 Posts
    • 10,610 Thanks
    jet9cat
    Thanks for all your lovely comments about losing my cat. It was a bit of a shock.

    a payment of 35 to the cc for me today please sunshine
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • AdventureWanted
    • By AdventureWanted 6th Mar 18, 7:36 AM
    • 512 Posts
    • 1,531 Thanks
    AdventureWanted
    3 bank round down to CC2 today please.
    • TheMsTeal
    • By TheMsTeal 6th Mar 18, 10:04 AM
    • 275 Posts
    • 1,017 Thanks
    TheMsTeal
    104.65 to reg payment and clearing that one completely!
    Debt Free Day Target: November 2018

    2 Savers Club 2017: no 41
    • trickster76
    • By trickster76 6th Mar 18, 10:16 AM
    • 39 Posts
    • 159 Thanks
    trickster76
    3.55 to CC

    • A Random Man
    • By A Random Man 6th Mar 18, 12:52 PM
    • 192 Posts
    • 935 Thanks
    A Random Man
    Hi everyone another 5 payment towards my credit card yesterday I will update again tonight depending on how much I make for today
    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
    • erin_transport
    • By erin_transport 6th Mar 18, 1:25 PM
    • 528 Posts
    • 2,351 Thanks
    erin_transport
    Hi
    20 to OH cc today
    Thanks
    On a mission!

    2018 MFW #138
    • A Random Man
    • By A Random Man 6th Mar 18, 9:55 PM
    • 192 Posts
    • 935 Thanks
    A Random Man
    Evening everyone 5 overpayment to CC
    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
    • ahall3519
    • By ahall3519 6th Mar 18, 10:40 PM
    • 234 Posts
    • 797 Thanks
    ahall3519
    Good evening everyone! Please put me down for 5 to 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 6th Mar 18, 11:12 PM
    • 583 Posts
    • 3,123 Thanks
    cufc_mike
    75.82 mortgage overpayment for me today please
    Make 500 May Challenge: 738.36 / 500 -> My Matched Betting Blog
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