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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 3,423Posts
    • 14,977Thanks
    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 28
    • sashybo
    • By sashybo 16th Mar 17, 11:53 AM
    • 2,761 Posts
    • 20,492 Thanks
    sashybo
    Hi all, usual 1 to loan no1 today.

    The rain is bucketing down & I don't want to go out in it to go to work.
    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.
    • ahall3519
    • By ahall3519 16th Mar 17, 10:00 PM
    • 234 Posts
    • 797 Thanks
    ahall3519
    Good evening everyone! Just a small pad of 5to debt two today. 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=475.93=60% paid
    • erin_transport
    • By erin_transport 16th Mar 17, 10:30 PM
    • 526 Posts
    • 2,344 Thanks
    erin_transport
    Evening
    3.50 to cc
    3.50 to savings
    7.00 total. Thanks
    • Jo Blogs
    • By Jo Blogs 17th Mar 17, 1:57 AM
    • 730 Posts
    • 2,597 Thanks
    Jo Blogs
    Good morning everyone

    Well done with all the PADs

    Hope you all have great PAD's today
    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
    • LittleMissDetermined
    • By LittleMissDetermined 17th Mar 17, 6:02 AM
    • 2,044 Posts
    • 8,597 Thanks
    LittleMissDetermined
    Happy Friday everyone

    A bank round down of 6.62 to the credit card for me today 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...
    • jet9cat
    • By jet9cat 17th Mar 17, 6:27 AM
    • 1,463 Posts
    • 10,608 Thanks
    jet9cat
    Paid off 138.87 to OH's cc today please mandz


    Thanks Erme - yes it makes a change for something to work out like that for me lately. I'm still chuffed about it as it's not often I gt to take advantage of such a bargain.
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • mandz1
    • By mandz1 17th Mar 17, 6:44 AM
    • 2,548 Posts
    • 11,090 Thanks
    mandz1
    Thursday 16th March total




    70.01



    Have a great day everyone. And happy St Patrick's day to anyone who celebrates.
    PAD Maker
    • mandz1
    • By mandz1 17th Mar 17, 6:44 AM
    • 2,548 Posts
    • 11,090 Thanks
    mandz1
    My PAD is 10 to cc
    PAD Maker
    • Erme
    • By Erme 17th Mar 17, 8:24 AM
    • 3,596 Posts
    • 21,542 Thanks
    Erme
    Well i need to find a new therapeutic music teacher in the autumn as my current one is off to join a buddhist monastery

    Apart from that curve ball all good - freegle/freecycle came up trumps the other day with a bread slicing gadget . Love it!!! And I also have herbs on windowsill from supermarket to repot today (sounds messy - I could be gone a while LOL)


    Have a good day folks


    E

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


    • redkelly
    • By redkelly 17th Mar 17, 10:00 AM
    • 197 Posts
    • 1,452 Thanks
    redkelly
    Hello all
    Weekly update from me Paid 60.00

    Still awaiting for the Quidco Money :-(
    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 17th Mar 17, 10:22 AM
    • 2,761 Posts
    • 20,492 Thanks
    sashybo
    Hi all, pad of 11 to loan no1 today.
    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.
    • Keedie
    • By Keedie 17th Mar 17, 10:53 AM
    • 245 Posts
    • 1,016 Thanks
    Keedie
    Morning All,

    I hope that you're all doing well. I finally decided to get my head out of the sand and move some money around so that I could clear as much of my two overdrafts as possible, as the daily fee was a bit .

    So with a balance transfer to a 0% credit card, to buy me more time to get back into employment, my PAD offering today is a massive 1,400. I've managed to clear the smaller overdraft and cut the other one in half so I am feeling much better about things. It was getting me down too much.

    Have a good day everyone,
    xx
    LBM 27/06/16 = 31,400.57 (7 creditors) BUT on 12/03/2018 = 15,939.84/31,400.57 (6 creditors) = 50.76% repaid
    Aiming to be Debt Free = 31/12/2020
    • Chappie77
    • By Chappie77 17th Mar 17, 2:00 PM
    • 165 Posts
    • 767 Thanks
    Chappie77
    Hi all!

    A PAD of 400 for me this week after having a good think about what I would like to achieve this year

    755/1606.17

    Chappie x
    Payment a Day 2018 Very 1701.22/1701.22 Business Barclaycard 0/633.19 Saving for Xmas 2018 156/500 Virtual Sealed Pot 2018 325/700 PAYDBX2018 2959.75/7268.47 2 Savers Club 2018 90
    • kirtsypoos
    • By kirtsypoos 17th Mar 17, 2:39 PM
    • 3,423 Posts
    • 14,977 Thanks
    kirtsypoos
    Afternoon 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
    • erin_transport
    • By erin_transport 17th Mar 17, 9:56 PM
    • 526 Posts
    • 2,344 Thanks
    erin_transport
    Evening
    35 O/P to mortgage
    Thanks
    On a mission!

    2018 MFW #138
    • Jo Blogs
    • By Jo Blogs 18th Mar 17, 3:21 AM
    • 730 Posts
    • 2,597 Thanks
    Jo Blogs
    Good morning all
    Well one eveyone for all the PADs
    Keep up the great efforts. let's go,go,GO
    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
    • mandz1
    • By mandz1 18th Mar 17, 7:08 AM
    • 2,548 Posts
    • 11,090 Thanks
    mandz1
    Friday 17th March total




    Amazing



    2,066.49
    PAD Maker
    • sunshine81
    • By sunshine81 18th Mar 17, 7:50 AM
    • 1,024 Posts
    • 5,485 Thanks
    sunshine81
    Sorry I've missed the last 2 days I got really caught up in matched betting Cheltenham! Well worth it though, as soon as that money hits my account it'll be a PAD and a great one! I hate waiting for money to clear...

    In the meantime I've looked at my credit cards and some promotional 0% deals are ending in the next 3 months, so I've done a balance transfer (to a card that offer 0% for 2 years with 0% fee) and now need to really focus on getting rid of the rest that's being charged interest.

    So today I've paid 17.70 to Tesco.
    • LittleMissDetermined
    • By LittleMissDetermined 18th Mar 17, 6:01 PM
    • 2,044 Posts
    • 8,597 Thanks
    LittleMissDetermined
    Afternoon all

    14.95 for me today please

    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...
    • jet9cat
    • By jet9cat 18th Mar 17, 8:07 PM
    • 1,463 Posts
    • 10,608 Thanks
    jet9cat
    Some great PADs being made lately and, just as important, some clear decision making on what to do about debts. Sometimes you get in a bit of a rut just trying to deal with things and it's always good to take a step back and check you are doing the best you can, getting the best rates etc.


    For me survey money has ennabled me to make a payment of 25 to balance cc2 today please.
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
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