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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 3,423Posts
    • 14,963Thanks
    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 27
    • LittleMissDetermined
    • By LittleMissDetermined 14th Mar 17, 6:21 AM
    • 2,000 Posts
    • 8,425 Thanks
    LittleMissDetermined
    Morning all

    500 for me pleaseMandz

    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...
    • mandz1
    • By mandz1 14th Mar 17, 6:54 AM
    • 2,548 Posts
    • 11,090 Thanks
    mandz1
    Monday 13th March



    193.01
    PAD Maker
    • kirtsypoos
    • By kirtsypoos 14th Mar 17, 10:03 AM
    • 3,423 Posts
    • 14,963 Thanks
    kirtsypoos
    Morning all!

    75.00 to MBNA 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
    • sunshine81
    • By sunshine81 14th Mar 17, 11:39 AM
    • 976 Posts
    • 5,281 Thanks
    sunshine81
    10.08 for me to Barclaycard.
    • sashybo
    • By sashybo 14th Mar 17, 1:10 PM
    • 2,735 Posts
    • 20,337 Thanks
    sashybo
    Hi all, a PAD of 9.50 today as more survey money through.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - 10,242 extra paid off debt. Total Debt paid off 50,592
    Loan 2575.31, CC 0% BT 1250, Car loans 22,960.14

    Have a Debt Free Diary to try & keep spending in check.
    • ahall3519
    • By ahall3519 14th Mar 17, 9:19 PM
    • 233 Posts
    • 790 Thanks
    ahall3519
    Good evening everyone! Please put me down for 35 to debt two. 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=483.43=59% paid
    • erin_transport
    • By erin_transport 14th Mar 17, 9:26 PM
    • 496 Posts
    • 2,215 Thanks
    erin_transport
    Hi
    8.50 cc
    9.00 cc
    Total 17.50
    Thanks
    • jet9cat
    • By jet9cat 15th Mar 17, 6:51 AM
    • 1,445 Posts
    • 10,531 Thanks
    jet9cat
    9.40 to cc for me today please Mandz
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • mandz1
    • By mandz1 15th Mar 17, 6:59 AM
    • 2,548 Posts
    • 11,090 Thanks
    mandz1
    Tuesday 14th March total




    647.08
    PAD Maker
    • LittleMissDetermined
    • By LittleMissDetermined 15th Mar 17, 8:28 AM
    • 2,000 Posts
    • 8,425 Thanks
    LittleMissDetermined
    Morning everyone

    Hurrah for mid-week Wednesday My PAD today is 7.32 bank round down to the credit card please Mandz

    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...
    • sashybo
    • By sashybo 15th Mar 17, 11:24 AM
    • 2,735 Posts
    • 20,337 Thanks
    sashybo
    Hi all, usual 1 to loan no1.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - 10,242 extra paid off debt. Total Debt paid off 50,592
    Loan 2575.31, CC 0% BT 1250, Car loans 22,960.14

    Have a Debt Free Diary to try & keep spending in check.
    • kirtsypoos
    • By kirtsypoos 15th Mar 17, 11:47 AM
    • 3,423 Posts
    • 14,963 Thanks
    kirtsypoos
    Morning all,

    Mortgage OP of 29.09 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
    • sunshine81
    • By sunshine81 15th Mar 17, 1:07 PM
    • 976 Posts
    • 5,281 Thanks
    sunshine81
    Just a quick post to pay 11.23 to Barclaycard..

    Matched betting on Cheltenham this week it'll be a really good PAD once it's over!!!!
    • erin_transport
    • By erin_transport 15th Mar 17, 11:35 PM
    • 496 Posts
    • 2,215 Thanks
    erin_transport
    Evening all
    50 to pension top up today
    • Jo Blogs
    • By Jo Blogs 16th Mar 17, 12:57 AM
    • 730 Posts
    • 2,597 Thanks
    Jo Blogs
    Good morning everyone Well done with all the PADs .
    \Hope you all have a great day
    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
    • jet9cat
    • By jet9cat 16th Mar 17, 6:24 AM
    • 1,445 Posts
    • 10,531 Thanks
    jet9cat
    50 paid to balance cc1 today please
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • LittleMissDetermined
    • By LittleMissDetermined 16th Mar 17, 6:32 AM
    • 2,000 Posts
    • 8,425 Thanks
    LittleMissDetermined
    Morning everyone

    Bank round down for me today of 2.01 to the credit card 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...
    • mandz1
    • By mandz1 16th Mar 17, 6:43 AM
    • 2,548 Posts
    • 11,090 Thanks
    mandz1
    Wednesday 15th March total




    108.04
    PAD Maker
    • Erme
    • By Erme 16th Mar 17, 7:11 AM
    • 3,596 Posts
    • 21,542 Thanks
    Erme
    Morning all. 11.90 for me today please.




    Not able to do any PADding over the weekend but did pick up an amazing bargain. Went into our local A*gos to buy new sheets (using Nectar points) and they were selling off gift wrap at 1p per roll. I thought it was left over Christmas stuff they couldn't get rid of but it was all sorts, birthday, Christmas and some with just stars or presents on that could be used for anything. Needless to say, I came out with 8 rolls and that's me sorted for wrapping paper for at least a year.
    Originally posted by jet9cat

    this Fandabeedozie bargain needs another mention and a llama

    Go you jet So nice to hear some good news from you - tis so rare! Hugs


    E

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


    • kirtsypoos
    • By kirtsypoos 16th Mar 17, 11:34 AM
    • 3,423 Posts
    • 14,963 Thanks
    kirtsypoos
    Morning all,

    5 for me today please
    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
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