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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 3,427Posts
    • 15,077Thanks
    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 217
    • erin_transport
    • By erin_transport 10th Apr 18, 8:30 AM
    • 713 Posts
    • 2,975 Thanks
    erin_transport
    Hi
    58 to cc
    Thanks
    On a mission!

    2018 MFW #138
    • RhiBi
    • By RhiBi 10th Apr 18, 9:03 AM
    • 618 Posts
    • 1,768 Thanks
    RhiBi
    2 again to Next!
    Virtual Sealed Pot 2018 #7 352.26/350

    1 debt vs 100 days 673.72/1000
    • sunshine81
    • By sunshine81 10th Apr 18, 1:08 PM
    • 1,342 Posts
    • 6,763 Thanks
    sunshine81
    Sorry I missed yesterday! But making up for it today... 358.33 sent to the CC.

    E x
    • bestfootforward
    • By bestfootforward 10th Apr 18, 1:15 PM
    • 26 Posts
    • 148 Thanks
    bestfootforward
    Hi Padders,
    Hope you don't mind if I join.

    Todays the day I change EVERYTHING.

    Ive got a few things to sort out but i am detemind to get my finances undercontrol, and back in check.
    I've had a very good sort out day, and I'm ready to face what the world is gonna thrrow at me.

    Starting with my first pad of many.

    499.23, to clear my paypal account off and as soon as this is clear I am closing the account.
    Most of my pads will not be like this, this is a one off kick start.

    This hasn't left me loads of money, but that is stage 2, spending my money better and as I have said I've had a good sort out so I know whats in and whats out so I should if i stick to my budget be ok.
    (Stage 3, stick to budget )

    Hope to be back every day with a teeny tiny pad.

    I will get my life sorted.

    BFF

    1: 499.23
    2: 1876.21 3:600.00 4:6700.00
    • stinabean
    • By stinabean 10th Apr 18, 5:21 PM
    • 99 Posts
    • 91 Thanks
    stinabean
    3.01 for me today
    • erin_transport
    • By erin_transport 10th Apr 18, 5:58 PM
    • 713 Posts
    • 2,975 Thanks
    erin_transport
    Good plan best foot forward - you'll get there.

    My contribution today is 18 to mortgage over payment
    Thanks
    On a mission!

    2018 MFW #138
    • jet9cat
    • By jet9cat 11th Apr 18, 6:34 AM
    • 1,605 Posts
    • 11,156 Thanks
    jet9cat
    Welcome to all the newbies

    Just managed another 5 to the balance cc today, still waiting for some other payments to come through as that's the only way to make extra payments as no wriggle room on the budget to make payments from wages at the moment. OH not working while waiting for an operation so money extra tight.
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • LittleMissDetermined
    • By LittleMissDetermined 11th Apr 18, 7:29 AM
    • 2,112 Posts
    • 8,877 Thanks
    LittleMissDetermined
    Welcome to the thread BFF - what a brilliant start!

    A fabulous day yesterday with a total for Tuesday 10th April of

    1056.67
    Life gets in the way...PADding is addictive... Saving's better than spending...

    1000 EF Challenge #142 800/1000 ... 3-6Mth Wages Challenge #4 7520.80/7129...
    • LittleMissDetermined
    • By LittleMissDetermined 11th Apr 18, 7:30 AM
    • 2,112 Posts
    • 8,877 Thanks
    LittleMissDetermined
    Back with my own PAD today of 27.70

    LMD x
    Life gets in the way...PADding is addictive... Saving's better than spending...

    1000 EF Challenge #142 800/1000 ... 3-6Mth Wages Challenge #4 7520.80/7129...
    • RhiBi
    • By RhiBi 11th Apr 18, 8:29 AM
    • 618 Posts
    • 1,768 Thanks
    RhiBi
    Chipping away at the debt with another 2 off Next today!
    Virtual Sealed Pot 2018 #7 352.26/350

    1 debt vs 100 days 673.72/1000
    • AdventureWanted
    • By AdventureWanted 11th Apr 18, 8:32 AM
    • 920 Posts
    • 2,591 Thanks
    AdventureWanted
    19.50 paid to CC2 today.
    • ahall3519
    • By ahall3519 11th Apr 18, 10:42 AM
    • 252 Posts
    • 844 Thanks
    ahall3519
    Good morning everyone! Please put me down for 8.50 again to the 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=322.18=73% paid
    • mumofthetwins
    • By mumofthetwins 11th Apr 18, 2:33 PM
    • 1,042 Posts
    • 4,027 Thanks
    mumofthetwins
    Hi guys ..

    I think I did the PAD challenge a while ago and another fabulous member reminded me of how fab this challenge is ..

    Am I ok to join ?

    I've made a PAD today of 150 to CC and STF (school trip fund)

    Thanks guys I so love these challenges as they do spur you on that bit more
    Lisa x
    DFW
    July 0/17100
    June 2400/19500 Murphy 500/500
    May 3085/23042
    April 1266/25843 STF 1500/1500
    MFW OP 2018 600/1600
    • LittleMissDetermined
    • By LittleMissDetermined 11th Apr 18, 3:58 PM
    • 2,112 Posts
    • 8,877 Thanks
    LittleMissDetermined
    Hi guys ..

    I think I did the PAD challenge a while ago and another fabulous member reminded me of how fab this challenge is ..

    Am I ok to join ?

    I've made a PAD today of 150 to CC and STF (school trip fund)

    Thanks guys I so love these challenges as they do spur you on that bit more
    Lisa x
    Originally posted by mumofthetwins
    Hey Mumofthetwins welcome back!
    Life gets in the way...PADding is addictive... Saving's better than spending...

    1000 EF Challenge #142 800/1000 ... 3-6Mth Wages Challenge #4 7520.80/7129...
    • sunshine81
    • By sunshine81 11th Apr 18, 8:31 PM
    • 1,342 Posts
    • 6,763 Thanks
    sunshine81
    14.55 for me today!

    E x
    • cufc_mike
    • By cufc_mike 11th Apr 18, 10:36 PM
    • 586 Posts
    • 3,137 Thanks
    cufc_mike
    Evening all. 90.92 mortgage overpayment for me today please
    Make 500 May Challenge: 904.40 / 500 -> {We have removed your link from your signature - MSE Forum Team}
    • erin_transport
    • By erin_transport 11th Apr 18, 11:11 PM
    • 713 Posts
    • 2,975 Thanks
    erin_transport
    Hi
    220 to pension pot today
    Thanks
    On a mission!

    2018 MFW #138
    • sashanut
    • By sashanut 11th Apr 18, 11:24 PM
    • 3,001 Posts
    • 28,035 Thanks
    sashanut
    Hi all

    Popping in to PAD - 15.00 to cc please LMD - thank you!!

    Hi to all newbies - and welcome back to all returners
    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
    • LittleMissDetermined
    • By LittleMissDetermined 12th Apr 18, 7:46 AM
    • 2,112 Posts
    • 8,877 Thanks
    LittleMissDetermined
    A strong day yesterday with a total for Wednesday 11th April of

    553.17
    Life gets in the way...PADding is addictive... Saving's better than spending...

    1000 EF Challenge #142 800/1000 ... 3-6Mth Wages Challenge #4 7520.80/7129...
    • LittleMissDetermined
    • By LittleMissDetermined 12th Apr 18, 8:11 AM
    • 2,112 Posts
    • 8,877 Thanks
    LittleMissDetermined
    Back again with my own PAD of 255



    Life gets in the way...PADding is addictive... Saving's better than spending...

    1000 EF Challenge #142 800/1000 ... 3-6Mth Wages Challenge #4 7520.80/7129...
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