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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 3,425Posts
    • 15,040Thanks
    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 218
    • lindez
    • By lindez 12th Apr 18, 9:48 AM
    • 222 Posts
    • 869 Thanks
    lindez
    Hi 10.00 off cc3 today thank you x
    • lindez
    • By lindez 12th Apr 18, 10:03 AM
    • 222 Posts
    • 869 Thanks
    lindez
    Hi back again a small bank tidy up 2.03 paid off cc3 thank you.
    well done everyone this challenge is keeping me going.
    • RhiBi
    • By RhiBi 12th Apr 18, 1:20 PM
    • 591 Posts
    • 1,736 Thanks
    RhiBi
    2 again for me today!
    Virtual Sealed Pot 2018 #7 173.69/250
    • AdventureWanted
    • By AdventureWanted 12th Apr 18, 5:09 PM
    • 673 Posts
    • 1,961 Thanks
    AdventureWanted
    Home insurance for the year was cheaper than I had expected, so I've transferred the extra 75 I'd saved to CC2 today.
    • sunshine81
    • By sunshine81 12th Apr 18, 7:23 PM
    • 1,168 Posts
    • 6,113 Thanks
    sunshine81
    Evening! Busy day today - but PAD sent off of 23.52 x
    • erin_transport
    • By erin_transport 12th Apr 18, 10:42 PM
    • 595 Posts
    • 2,624 Thanks
    erin_transport
    Hi
    Just a TT of 4.26 to the cc
    Thanks
    On a mission!

    2018 MFW #138
    • sashanut
    • By sashanut 12th Apr 18, 11:35 PM
    • 2,891 Posts
    • 26,794 Thanks
    sashanut
    Hi all

    Popping in to PAD - 12.94 to cc please LMD - thank you!!
    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 13th Apr 18, 7:15 AM
    • 2,112 Posts
    • 8,877 Thanks
    LittleMissDetermined
    A good day yesterday with a total for Thursday 12th April of

    384.75
    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 13th Apr 18, 7:16 AM
    • 2,112 Posts
    • 8,877 Thanks
    LittleMissDetermined
    Back with my own PAD of just 93p purse change to piglet bank

    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...
    • AdventureWanted
    • By AdventureWanted 13th Apr 18, 7:44 AM
    • 673 Posts
    • 1,961 Thanks
    AdventureWanted
    205 paid to CC2 today (180 dd and 25 additional payment).
    • sunshine81
    • By sunshine81 13th Apr 18, 12:56 PM
    • 1,168 Posts
    • 6,113 Thanks
    sunshine81
    Afternoon! 10 for me today

    E x
    • TheMsTeal
    • By TheMsTeal 13th Apr 18, 7:53 PM
    • 310 Posts
    • 1,102 Thanks
    TheMsTeal
    Evening All! Token 1 to cc please.
    Debt Free Day Target: November 2018

    2 Savers Club 2017: no 41
    • erin_transport
    • By erin_transport 13th Apr 18, 10:02 PM
    • 595 Posts
    • 2,624 Thanks
    erin_transport
    Hi
    2.35 to cc
    Thanks
    On a mission!

    2018 MFW #138
    • sashanut
    • By sashanut 13th Apr 18, 11:55 PM
    • 2,891 Posts
    • 26,794 Thanks
    sashanut
    Hi all

    Popping in to PAD - 27.68 to cc please LMD - thank you!!
    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 14th Apr 18, 6:38 AM
    • 2,112 Posts
    • 8,877 Thanks
    LittleMissDetermined
    Another good day yesterday with a total for Friday 13th April of

    246.96
    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 14th Apr 18, 8:56 AM
    • 1,168 Posts
    • 6,113 Thanks
    sunshine81
    Doing well everyone!

    Dropping by with 5 - thanks LMD
    • Chappie77
    • By Chappie77 14th Apr 18, 10:13 AM
    • 170 Posts
    • 781 Thanks
    Chappie77
    Morning all!

    I haven't been on for a few weeks due to extra work and I haven't paid out much either so, when I got paid this month, I made a rash decision and paid a massive chunk off my Very account...I'm determined to move on to the next debt ASAP!!

    450 paid off = 1286.41/1701.22

    Chappie x
    Payment a Day 2018 Very 1701.22/1701.22 Business Barclaycard 633.19/633.19 Hitachi 1489.17/1489.17 MBNA 80.26/3159.01 Saving for Xmas 2018 156/500 Virtual Sealed Pot 2018 325/700 PAYDBX2018 5082.11/7268.47 2 Savers Club 2018 90
    • jet9cat
    • By jet9cat 14th Apr 18, 3:09 PM
    • 1,558 Posts
    • 10,998 Thanks
    jet9cat
    Just a tidying up of the account payment of 2.17 for me today please LMD.
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • henna123
    • By henna123 14th Apr 18, 3:55 PM
    • 129 Posts
    • 800 Thanks
    henna123
    PAD of 6.55 to the cc today please

    it could have been more but I have finally started an emergency fund account so paid the other 10 to that lol (starting balance )
    • LittleMissDetermined
    • By LittleMissDetermined 14th Apr 18, 4:34 PM
    • 2,112 Posts
    • 8,877 Thanks
    LittleMissDetermined
    Totally forgot to post my own PAD of 2.76 bank round down

    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...
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