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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 25
    • kirtsypoos
    • By kirtsypoos 9th Mar 17, 11:18 PM
    • 3,423 Posts
    • 14,975 Thanks
    kirtsypoos
    Evening all!

    15 for me today please Mandz
    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
    • Erme
    • By Erme 10th Mar 17, 6:51 AM
    • 3,596 Posts
    • 21,542 Thanks
    Erme
    Good morning everyone! Apologies for being awol recently. Hope everyone is ok! Please put me down for 20 to debt 2. The total is slowly going down!
    Originally posted by ahall3519
    Go ahall - you so shall get there!!!

    Wednesday 8th March total


    Small but mighty


    69.34
    Originally posted by mandz1
    There is everything positive and nothing negative about a small and mighty total guys........thanks Mandz for totalling and also being so positive..

    Me? Up at crazy hour and still up - chance to practice my new anxiety coping techniques for when I make another attempt to quit the nicotine

    Again nothing negative - everything positive

    Have a good day folks

    E

    I believe in the power of PAD
    Come and join us on the Payment a Day thread


    • mandz1
    • By mandz1 10th Mar 17, 7:04 AM
    • 2,548 Posts
    • 11,090 Thanks
    mandz1
    Thursday 9th March total



    165.75


    The total for the month is already looking good, keep it up guys.
    Last edited by mandz1; 10-03-2017 at 7:07 AM.
    PAD Maker
    • LittleMissDetermined
    • By LittleMissDetermined 10th Mar 17, 7:04 AM
    • 2,038 Posts
    • 8,572 Thanks
    LittleMissDetermined
    Good morning everyone

    My offering today is 16.82 please Mandz

    LMD xx
    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...
    • Jo Blogs
    • By Jo Blogs 10th Mar 17, 7:15 AM
    • 730 Posts
    • 2,597 Thanks
    Jo Blogs
    Super thread and well done to everyone for their super efforts - Keep up the great work
    Saved Nitty Gritty 7440.75 [149%] / 5000-[Sep] 58.44 for the 'Save 12k in 2017' #157
    2017 Womble #35 3463.27 Sept NSDs 4/15CCCChl 9/12 months
    Sept PPChl#002 Pts 71
    • sunshine81
    • By sunshine81 10th Mar 17, 9:23 AM
    • 1,017 Posts
    • 5,466 Thanks
    sunshine81
    11.30 for me to Barclaycard.

    Absolutely kicking myself for straying away from this last year as it really really really works! But onwards and upwards I guess.
    • Chappie77
    • By Chappie77 10th Mar 17, 2:39 PM
    • 161 Posts
    • 756 Thanks
    Chappie77
    Hi all!

    This week I have paid 125 off the Barclaycard.

    Hope you are having good weeks!!

    Chappie x
    Payment a Day 2018 Very 1286.41/1701.22 Saving for Xmas 2018 124/500 Virtual Sealed Pot 2018 255/700 PAYDBX2018 2179.56/7268.47 2 Savers Club 2018 84
    • sashybo
    • By sashybo 10th Mar 17, 4:10 PM
    • 2,760 Posts
    • 20,481 Thanks
    sashybo
    Hi all, payday today so 46 split between loans 1 & 2.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - 10,362 extra paid off debt. Total Debt paid off 50,880
    Loan 2328.49, CC 0% BT 1200, Car loans 22,591.72

    Have a Debt Free Diary to try & keep spending in check.
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 10th Mar 17, 4:13 PM
    • 737 Posts
    • 4,215 Thanks
    swimminginaseaofdebt
    Afternoon everyone

    Popping in to declare a PAD of 24.25 to the credit card.
    Pay all debt off by Christmas 2018 #150 - 895.62/2018
    SPC11 #564
    • sashanut
    • By sashanut 10th Mar 17, 4:47 PM
    • 2,785 Posts
    • 25,832 Thanks
    sashanut
    Hi all
    My PAD is 22.44 - to M&S cc - thanks Mandz !
    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
    • Debtfreein5yrs
    • By Debtfreein5yrs 10th Mar 17, 6:11 PM
    • 62 Posts
    • 189 Thanks
    Debtfreein5yrs
    My other half gets paid weekly. It goes into the bank overnight on Fri/Sat. I have used what was left from last weeks wage for today's PAD. That's another 13.72 towards a F&F offer.
    Total PAD up to date is 215.56
    Last edited by Debtfreein5yrs; 10-03-2017 at 6:17 PM.
    • ahall3519
    • By ahall3519 10th Mar 17, 8:05 PM
    • 233 Posts
    • 792 Thanks
    ahall3519
    Good evening everyone! Thanks Erme! Are you trying to give up cigs or e-cigs? Hope everyone is ok! Please put me down for 25 to debt 2. Not long to go now Kirstypoos
    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
    • erin_transport
    • By erin_transport 10th Mar 17, 10:09 PM
    • 523 Posts
    • 2,330 Thanks
    erin_transport
    90.00 O/P
    28.50 to cc
    118.50 total! yay!
    • mandz1
    • By mandz1 11th Mar 17, 7:21 AM
    • 2,548 Posts
    • 11,090 Thanks
    mandz1
    Friday 10th March total




    403.03


    Happy weekend everyone
    PAD Maker
    • sunshine81
    • By sunshine81 11th Mar 17, 7:30 AM
    • 1,017 Posts
    • 5,466 Thanks
    sunshine81
    Morning,

    Starting with 9.75 to Barclaycard, have a good weekend everyone x
    • redkelly
    • By redkelly 11th Mar 17, 9:06 AM
    • 197 Posts
    • 1,452 Thanks
    redkelly
    Hi All

    Not been able to login for a week Payment today 38.00

    Enjoy the weekend all xx
    Payment a Day : Creation 1416.05 to Pay : Paid 1416.50 100% Gone

    Capital One : 2169.37 to pay : Paid 50.63

    M & S : 3207.29 to Pay : Paid 130.00
    • sashybo
    • By sashybo 11th Mar 17, 10:17 AM
    • 2,760 Posts
    • 20,481 Thanks
    sashybo
    Hi all, a pad of 3.50 to loan no1 today as a small amount of survey money arrived.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - 10,362 extra paid off debt. Total Debt paid off 50,880
    Loan 2328.49, CC 0% BT 1200, Car loans 22,591.72

    Have a Debt Free Diary to try & keep spending in check.
    • LittleMissDetermined
    • By LittleMissDetermined 11th Mar 17, 10:23 AM
    • 2,038 Posts
    • 8,572 Thanks
    LittleMissDetermined
    Hi everyone

    My offering today is 200 please Mandz
    And
    After wobbling about in bikinis on holiday I've decided it's time to take action, living on salad and fruit since Monday I've managed to drop 5lb which is great, it's taken its toll on the bank balance though with my weekly shop incereasing by just under 20. I'm hoping it's worth it and I can keep losing the lbs even if not the 's!!

    Have a cracking Saturday all

    LMD xx
    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...
    • Debtfreein5yrs
    • By Debtfreein5yrs 11th Mar 17, 1:15 PM
    • 62 Posts
    • 189 Thanks
    Debtfreein5yrs
    Hello everyone.
    Good day here today My other half worked a lot of overtime last week so I've managed to pay a massive 119.32 off an overdraft on one of our accounts!! Really pleased with that.
    Total for March 331.88
    Last edited by Debtfreein5yrs; 11-03-2017 at 2:10 PM.
    • erin_transport
    • By erin_transport 11th Mar 17, 9:47 PM
    • 523 Posts
    • 2,330 Thanks
    erin_transport
    S&S isa 40.00
    Thanks
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