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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 3,425Posts
    • 15,042Thanks
    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 249
    • AdventureWanted
    • By AdventureWanted 4th Jul 18, 7:24 AM
    • 743 Posts
    • 2,148 Thanks
    AdventureWanted
    2 to CC3 today please.
    • Say No to Credit Cards
    • By Say No to Credit Cards 4th Jul 18, 8:50 AM
    • 141 Posts
    • 527 Thanks
    Say No to Credit Cards
    Morning,

    2.87 from CC1 for me today
    Extra Income May 290.92 June 498.00 July 145.61 Aug 2018 142.68
    Pay off CC3 Sept/Oct 2018 2112.04 Balance 1712.89
    April 2018 39,942 Aug 18 36721.65 PAID 3220.35
    • sunshine81
    • By sunshine81 4th Jul 18, 12:49 PM
    • 1,240 Posts
    • 6,386 Thanks
    sunshine81
    15.40 for me today x
    • lindez
    • By lindez 4th Jul 18, 1:31 PM
    • 284 Posts
    • 1,047 Thanks
    lindez
    Hi all,
    3.00 to CC3
    Thank you jet9cat x
    Payment A Day Chapter 18:
    MFWB#44
    • sashanut
    • By sashanut 5th Jul 18, 12:04 AM
    • 2,923 Posts
    • 27,108 Thanks
    sashanut
    Hi all

    Popping in to PAD - 7.27 payment to M&S cc please jet - tkyou!!

    PS this PAD is for July 4 --bit late tonight! Great news re the totals jet - thanks for that, a great encouragement
    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 5th Jul 18, 6:24 AM
    • 1,585 Posts
    • 11,108 Thanks
    jet9cat
    Good morning fellow PADders

    Total for Wedneday 4 July was

    83.27
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • jet9cat
    • By jet9cat 5th Jul 18, 6:26 AM
    • 1,585 Posts
    • 11,108 Thanks
    jet9cat
    My PAD today is 500 off OH's cc
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • LittleMissDetermined
    • By LittleMissDetermined 5th Jul 18, 8:20 AM
    • 2,112 Posts
    • 8,877 Thanks
    LittleMissDetermined
    Morning everyone

    My PAD today is 265 to the credit card

    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...
    • lindez
    • By lindez 5th Jul 18, 8:54 AM
    • 284 Posts
    • 1,047 Thanks
    lindez
    Morning everyone,
    13.86 please Jetcat to cc 3.
    Thank you x
    Payment A Day Chapter 18:
    MFWB#44
    • sunshine81
    • By sunshine81 5th Jul 18, 10:09 AM
    • 1,240 Posts
    • 6,386 Thanks
    sunshine81
    Morning!

    29.52 for me today x
    • erin_transport
    • By erin_transport 5th Jul 18, 10:20 AM
    • 629 Posts
    • 2,740 Thanks
    erin_transport
    Morning
    297.82 to cc
    100 to online savings
    12.50 to pension pot
    410.32 today
    On a mission!

    2018 MFW #138
    • sashanut
    • By sashanut 5th Jul 18, 11:36 PM
    • 2,923 Posts
    • 27,108 Thanks
    sashanut
    Hi all

    Popping in to PAD - 23.84 payment to M&S cc please jet - 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
    • jet9cat
    • By jet9cat 6th Jul 18, 6:16 AM
    • 1,585 Posts
    • 11,108 Thanks
    jet9cat
    Good morning all

    Total for 5th July was a brilliant

    1249.81
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • jet9cat
    • By jet9cat 6th Jul 18, 6:19 AM
    • 1,585 Posts
    • 11,108 Thanks
    jet9cat
    And another 10 to the balance cc for me today
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • LittleMissDetermined
    • By LittleMissDetermined 6th Jul 18, 7:54 AM
    • 2,112 Posts
    • 8,877 Thanks
    LittleMissDetermined
    Morning all... hap-hap-happy friday!!!

    My PAD today is 35 to the cedit card

    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 6th Jul 18, 8:02 AM
    • 743 Posts
    • 2,148 Thanks
    AdventureWanted
    Paid 5 to CC3 today. Thanks.
    • redkelly
    • By redkelly 6th Jul 18, 8:41 AM
    • 201 Posts
    • 1,463 Thanks
    redkelly
    Follow this thread and have cleared debt using PAD just the last few cards to tackle now.

    I am back again this time looking to clear another card i will not be doing a payment everyday more like once a week so I my posts will be a bit random.

    You will see how much I have cleared over the last year using PAD

    Starting today with a payment of 25.00 to Capital one Platinum

    Plan on having capital one cleared by December 2018 (Fingers Crossed)
    Last edited by redkelly; 06-07-2018 at 8:48 AM. Reason: spelling
    Payment a Day : Creation 1416.05 Cleared June 2017
    Capital One : 2169.37 Cleared May 2018
    M & S : 3207.29 Cleared May 2018
    First direct 4900.00 Cleared July 2018
    Next 2206 Cleared September 2018
    Capital One Platium 2800.00 left to pay 2300
    • lindez
    • By lindez 6th Jul 18, 8:56 AM
    • 284 Posts
    • 1,047 Thanks
    lindez
    Morning all,
    Well done Redkelly what an achievement.
    2.14 to cc 3
    50.00 emergency fund.
    52.14 total
    Have a great day everyone and thank you Jetcat x
    Payment A Day Chapter 18:
    MFWB#44
    • Say No to Credit Cards
    • By Say No to Credit Cards 6th Jul 18, 9:52 AM
    • 141 Posts
    • 527 Thanks
    Say No to Credit Cards
    Morning

    2.40 to CC1 for me today.

    Have a great day everybody
    Extra Income May 290.92 June 498.00 July 145.61 Aug 2018 142.68
    Pay off CC3 Sept/Oct 2018 2112.04 Balance 1712.89
    April 2018 39,942 Aug 18 36721.65 PAID 3220.35
    • sunshine81
    • By sunshine81 6th Jul 18, 8:15 PM
    • 1,240 Posts
    • 6,386 Thanks
    sunshine81
    Evening!!

    156.74
    for me today x
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