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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 203
    • Calling14
    • By Calling14 9th Mar 18, 11:30 AM
    • 2,719 Posts
    • 19,808 Thanks
    Calling14
    20 for me today
    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

    • mandz1
    • By mandz1 9th Mar 18, 1:08 PM
    • 2,548 Posts
    • 11,090 Thanks
    mandz1
    20.73 to Very today please

    Welcome mydmp
    PAD Maker
    • erin_transport
    • By erin_transport 9th Mar 18, 4:23 PM
    • 551 Posts
    • 2,466 Thanks
    erin_transport
    Hi
    10 to online savings account for me today
    On a mission!

    2018 MFW #138
    • ahall3519
    • By ahall3519 9th Mar 18, 9:53 PM
    • 238 Posts
    • 810 Thanks
    ahall3519
    Good evening everyone! Hope everyone is well! Please put me down for 10 to my OH's CC. Thanks!
    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
    • TheMsTeal
    • By TheMsTeal 10th Mar 18, 7:07 AM
    • 297 Posts
    • 1,084 Thanks
    TheMsTeal
    Morning! 5 to reg payment please.
    Debt Free Day Target: November 2018

    2 Savers Club 2017: no 41
    • sunshine81
    • By sunshine81 10th Mar 18, 7:17 AM
    • 1,070 Posts
    • 5,716 Thanks
    sunshine81
    75.73 yesterday - not shabby at all!

    35 for me today since I've missed a few days.
    • erin_transport
    • By erin_transport 10th Mar 18, 9:10 AM
    • 551 Posts
    • 2,466 Thanks
    erin_transport
    Hi
    10 to OH cc
    Thanks
    On a mission!

    2018 MFW #138
    • kirtsypoos
    • By kirtsypoos 10th Mar 18, 10:38 AM
    • 3,421 Posts
    • 14,977 Thanks
    kirtsypoos
    Morning all!

    76.87 for me today please - combination of mortgage OP and spendy CC OP.

    Thanks Sunshine
    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
    • AdventureWanted
    • By AdventureWanted 10th Mar 18, 5:38 PM
    • 551 Posts
    • 1,633 Thanks
    AdventureWanted
    120 to CC2 today please.
    • jet9cat
    • By jet9cat 10th Mar 18, 6:41 PM
    • 1,472 Posts
    • 10,643 Thanks
    jet9cat
    100 paid off today for me please sunshine
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • cufc_mike
    • By cufc_mike 10th Mar 18, 10:34 PM
    • 585 Posts
    • 3,136 Thanks
    cufc_mike
    50.64 mortgage overpayment for me today please
    Make 500 May Challenge: 904.40 / 500 -> My Matched Betting Blog
    • sashanut
    • By sashanut 10th Mar 18, 11:59 PM
    • 2,835 Posts
    • 26,257 Thanks
    sashanut
    Hi all

    Popping in to PAD - 2 coin into VW campervan moneybox please Sunshine - tkyou!!

    Still dealing with cloned CC - after I went online to activate replacement card, clicked on recent transactions only to see 3 new charges - not made by me - on the day I reported the cloning. Then spent ages on the phone again, but hopefully now no more charges in the works.
    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 11th Mar 18, 7:29 AM
    • 1,070 Posts
    • 5,716 Thanks
    sunshine81
    399.51 for yesterday!! Lovely job

    5 for me today.

    What do people do with their cashback? I've built up over 80 in TCB. I'm trying to decide whether to plainly withdraw it and pay it off the debt, or get it on a gift card in which case you get more. For example, the boys always need new shoes and if you get a Clarks gift card you get 10% extra value.

    Have a good Mother's Day x
    • LittleMissDetermined
    • By LittleMissDetermined 11th Mar 18, 9:19 AM
    • 2,068 Posts
    • 8,702 Thanks
    LittleMissDetermined
    Hello all

    Back from hols with a bump! Payments made whilst away total 1587.21

    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...
    • RhiBi
    • By RhiBi 11th Mar 18, 9:51 AM
    • 581 Posts
    • 1,715 Thanks
    RhiBi
    PADding 10 for yesterday and today
    Virtual Sealed Pot 2018 #7 173.69/250
    • A Random Man
    • By A Random Man 11th Mar 18, 11:33 AM
    • 192 Posts
    • 935 Thanks
    A Random Man
    Afternoon everyone yesterday I made my token 5 payment towards my cc but I also paid an additional 15.40 as I bought an item on eBay and resold it for profit
    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
    • Chappie77
    • By Chappie77 11th Mar 18, 4:27 PM
    • 165 Posts
    • 771 Thanks
    Chappie77
    109.24 PAD to Very for me this week please

    Chappie x
    Payment a Day 2018 Very 1701.22/1701.22 Business Barclaycard 0/633.19 Saving for Xmas 2018 156/500 Virtual Sealed Pot 2018 325/700 PAYDBX2018 2959.75/7268.47 2 Savers Club 2018 90
    • AdventureWanted
    • By AdventureWanted 11th Mar 18, 7:32 PM
    • 551 Posts
    • 1,633 Thanks
    AdventureWanted
    500 to CC2 today please.
    • sashanut
    • By sashanut 11th Mar 18, 11:49 PM
    • 2,835 Posts
    • 26,257 Thanks
    sashanut
    Hi all

    Popping in to PAD - 20.17 payment to CC please Sunshine - tkyou!!

    Sunshine I always withdraw TCB payments in vouchers, usually for MnS & use for Christmas food. If you need the shoes & would have to buy them anyway, seems a good idea to get the vouchers.
    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 12th Mar 18, 6:31 AM
    • 1,472 Posts
    • 10,643 Thanks
    jet9cat
    6 to the balance cc for me today please sunshine

    I agree with sashanut that if you have something in mind to buy that you need it's worth taking it in gift card and getting the extra, otherwise I'd take the cash because you wouldn't want a card that you might lose or expire before you use it.
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
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