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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 3,423Posts
    • 14,975Thanks
    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 204
    • AdventureWanted
    • By AdventureWanted 12th Mar 18, 7:20 AM
    • 502 Posts
    • 1,481 Thanks
    AdventureWanted
    130 dd payment to CC4 today please.
    • TheMsTeal
    • By TheMsTeal 12th Mar 18, 9:39 AM
    • 272 Posts
    • 993 Thanks
    TheMsTeal
    Loose change: 20p to cc.
    Debt Free Day Target: November 2018

    2 Savers Club 2017: no 41
    • Keedie
    • By Keedie 12th Mar 18, 11:05 AM
    • 245 Posts
    • 1,016 Thanks
    Keedie
    Hi All,

    259.48 to various debts please.

    Thanks,

    Keedie
    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
    • LittleMissDetermined
    • By LittleMissDetermined 12th Mar 18, 3:46 PM
    • 2,038 Posts
    • 8,534 Thanks
    LittleMissDetermined
    Hi all

    250 to the credit card for me 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 6050/7129...
    • RhiBi
    • By RhiBi 12th Mar 18, 4:59 PM
    • 536 Posts
    • 1,561 Thanks
    RhiBi
    5 to Next today
    Virtual Sealed Pot 2018 #7 173.69/250
    • sunshine81
    • By sunshine81 12th Mar 18, 8:20 PM
    • 1,017 Posts
    • 5,445 Thanks
    sunshine81
    Wow what happened yesterday we were smashing it!!!! 2252.02!!

    Well done LMD for PAD'ing even while on holidays - hope you had a lovely time.

    A Random Man congrats on the sale - I need to get my Paypal sorted and get selling again!

    10 for me today... slow going at the minute...
    • erin_transport
    • By erin_transport 12th Mar 18, 9:36 PM
    • 523 Posts
    • 2,309 Thanks
    erin_transport
    Awsome totals folks!!
    7 to OH cc for me today
    Thanks
    On a mission!

    2018 MFW #138
    • sashanut
    • By sashanut 12th Mar 18, 11:12 PM
    • 2,785 Posts
    • 25,832 Thanks
    sashanut
    Hi all

    Popping in to PAD - 2 coin into VW campervan moneybox 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
    • A Random Man
    • By A Random Man 12th Mar 18, 11:56 PM
    • 192 Posts
    • 935 Thanks
    A Random Man
    Evening everyone usual 5 to credit cards 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
    • cufc_mike
    • By cufc_mike 13th Mar 18, 12:22 AM
    • 583 Posts
    • 3,109 Thanks
    cufc_mike
    43.96 mortgage overpayment today
    Make 500 May Challenge: 738.36 / 500 -> My Matched Betting Blog
    • LittleMissDetermined
    • By LittleMissDetermined 13th Mar 18, 6:20 AM
    • 2,038 Posts
    • 8,534 Thanks
    LittleMissDetermined
    Morning everyone

    My PAD today is 5.03 bank round down to the credit card

    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...
    • jet9cat
    • By jet9cat 13th Mar 18, 6:23 AM
    • 1,461 Posts
    • 10,580 Thanks
    jet9cat
    Fantastic payments being made lately people, very inspirational

    Today I have paid 53 to OH's cc
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • AdventureWanted
    • By AdventureWanted 13th Mar 18, 6:36 AM
    • 502 Posts
    • 1,481 Thanks
    AdventureWanted
    185 dd payment to CC2 today please.
    • trickster76
    • By trickster76 13th Mar 18, 7:56 AM
    • 39 Posts
    • 159 Thanks
    trickster76
    1.21 to CC

    • TheMsTeal
    • By TheMsTeal 13th Mar 18, 12:03 PM
    • 272 Posts
    • 993 Thanks
    TheMsTeal
    Token 50p to cc please.
    Debt Free Day Target: November 2018

    2 Savers Club 2017: no 41
    • sunshine81
    • By sunshine81 13th Mar 18, 12:12 PM
    • 1,017 Posts
    • 5,445 Thanks
    sunshine81
    A not so shabby 674.68 was paid yesterday!

    Just 5 for me today.
    • erin_transport
    • By erin_transport 13th Mar 18, 1:45 PM
    • 523 Posts
    • 2,309 Thanks
    erin_transport
    Afternoon
    2018 MFW #138 140 payment today
    10 to cc
    150 total for me today
    On a mission!

    2018 MFW #138
    • ramblehan
    • By ramblehan 13th Mar 18, 1:50 PM
    • 592 Posts
    • 1,217 Thanks
    ramblehan
    Hi,

    Just a question from a YNABer - I'd like to do PAD in someway but use YNAB where ecvery dollar is given a job. Just wondered if anyone else YNAB and does PAD could tell me how they manage it?
    Thanks xx
    01/03/18: 21,270 DFD: Dec 2035
    2018 challenge - 148.64/3,670 (4.2%) as of 25.04.18
    Sign up for YNAB via my link if you fancy it - thank you!
    • RhiBi
    • By RhiBi 13th Mar 18, 6:20 PM
    • 536 Posts
    • 1,561 Thanks
    RhiBi
    Another!5 today to Next, I'm plodding on and can see the balance decreasing
    Virtual Sealed Pot 2018 #7 173.69/250
    • ahall3519
    • By ahall3519 13th Mar 18, 9:10 PM
    • 233 Posts
    • 792 Thanks
    ahall3519
    Good evening everyone! Hope everyone is well! Everyone is doing great! Please put me down for 2.50 to the usual OH's CC.

    I'm nearly 50% paid which was my target to get by the end of this month, so anything more than that is a bonus!

    Any cash back i earn atm i normally withdraw and use it to pay off debt and i sometimes keep some to treat myself.
    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
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