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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 2:05 PM
    • 3,438Posts
    • 15,135Thanks
    kirtsypoos
    Payment A Day Chapter 18
    • #1
    • 22nd Jan 17, 2:05 PM
    Payment A Day Chapter 18 22nd Jan 17 at 2:05 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 7:12 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 - 153.800.00
Page 288
    • lindez
    • By lindez 10th Nov 18, 8:09 AM
    • 505 Posts
    • 2,218 Thanks
    lindez
    Morning all,
    5.00 to cc thank you sunshine. x
    MFWB#44
    MFTT5 #28
    save 12k in 2019 #71
    • AdventureWanted
    • By AdventureWanted 10th Nov 18, 8:32 AM
    • 1,149 Posts
    • 4,028 Thanks
    AdventureWanted
    139 paid today. Thanks.
    • erin_transport
    • By erin_transport 10th Nov 18, 8:45 AM
    • 813 Posts
    • 3,249 Thanks
    erin_transport
    Hi
    20 to cc
    20 to pension pot
    40 total for me today. Thanks
    On a mission!

    2018 & 2019 MFW #138
    • Mummy_bear
    • By Mummy_bear 10th Nov 18, 11:17 AM
    • 465 Posts
    • 1,485 Thanks
    Mummy_bear
    Payment of 1 to my next targeted CC
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) 46444.23
    21100.74/46444.23 45.43% paid
    • ahall3519
    • By ahall3519 11th Nov 18, 12:03 PM
    • 285 Posts
    • 898 Thanks
    ahall3519
    Good afternoon everyone! Well done Red Kelly!

    Please put me down for 15 to the usual OH's CC! Thanks!
    Halifax CC total-1449.99 Debt=0 100% paid

    John Lewis CC total-3031.22 Debt=1155=62% paid
    • jet9cat
    • By jet9cat 11th Nov 18, 2:29 PM
    • 1,655 Posts
    • 11,319 Thanks
    jet9cat
    Good afternoon all

    7 paid off the cc today please sunshine
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • erin_transport
    • By erin_transport 11th Nov 18, 5:10 PM
    • 813 Posts
    • 3,249 Thanks
    erin_transport
    Evening all
    4.00 to online savings
    4.00 to cc
    4.00 to OH cc
    12 for me today. Thanks
    On a mission!

    2018 & 2019 MFW #138
    • daydreamsofaunicorn
    • By daydreamsofaunicorn 12th Nov 18, 8:59 AM
    • 32 Posts
    • 259 Thanks
    daydreamsofaunicorn
    Can I join in too please? I'll be saving up for Christmas then when that's over with I'll be saving in order to pay off my debts. Today I have rounded down my purse and got all my spare change together so 15.06 for me today

    Lx
    January Make 20 a day - 0/620
    • Mummy_bear
    • By Mummy_bear 13th Nov 18, 10:28 AM
    • 465 Posts
    • 1,485 Thanks
    Mummy_bear
    Today looks like this

    4.50 to one CC
    3 to another CC

    MB
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) 46444.23
    21100.74/46444.23 45.43% paid
    • jet9cat
    • By jet9cat 13th Nov 18, 2:52 PM
    • 1,655 Posts
    • 11,319 Thanks
    jet9cat
    Just a little 13 off the cc today please Sunshine
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • erin_transport
    • By erin_transport 13th Nov 18, 9:40 PM
    • 813 Posts
    • 3,249 Thanks
    erin_transport
    Hi
    Quick check in with
    2 TT to online savings
    18 to cc
    20 total for me today. Thanks
    On a mission!

    2018 & 2019 MFW #138
    • daydreamsofaunicorn
    • By daydreamsofaunicorn 14th Nov 18, 7:35 AM
    • 32 Posts
    • 259 Thanks
    daydreamsofaunicorn
    Transferred 14.20 from Paypal to the Christmas pot.
    January Make 20 a day - 0/620
    • sunshine81
    • By sunshine81 14th Nov 18, 8:39 PM
    • 1,413 Posts
    • 7,246 Thanks
    sunshine81
    I'm here! Sorry! Loads to catch up on. Hope you're all well. Let me get some totals updated...
    • sunshine81
    • By sunshine81 14th Nov 18, 8:47 PM
    • 1,413 Posts
    • 7,246 Thanks
    sunshine81
    7th - 201
    8th - 43.64
    9th - 16.50
    10th - 185
    11th - 34
    12th - 15.06
    13th - 40.50


    Mummybear sorry I missed your question, people tend to count PADs as anything over the minimum, but do what works for you! I don't even check my minimums I just chuck everything at it and add it on here!

    daydreamsofaunicorn welcome!

    211.68
    for me today x
    • erin_transport
    • By erin_transport 14th Nov 18, 10:30 PM
    • 813 Posts
    • 3,249 Thanks
    erin_transport
    Hi
    Checking in today with
    20 to cc
    1.54 to online savings
    21.54 Thanks
    On a mission!

    2018 & 2019 MFW #138
    • Mummy_bear
    • By Mummy_bear 15th Nov 18, 5:54 AM
    • 465 Posts
    • 1,485 Thanks
    Mummy_bear
    Morning

    Thanks sunshine for explaining what counts as a Pad.

    I've decided not to include such things as Loan payments that are static amounts.

    But I will include any CC payments...purely as I never pay attention to the minimum payment they set as I always overpay. Also any savings.

    So today so far looks like this

    125 to the Emergency Fund
    25 to the annual bills saving account

    MB
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) 46444.23
    21100.74/46444.23 45.43% paid
    • Mummy_bear
    • By Mummy_bear 15th Nov 18, 10:02 AM
    • 465 Posts
    • 1,485 Thanks
    Mummy_bear
    Further update

    2 off a CC
    My LBM May 2017, DH LBM July 2017- Total Debt (not Including Mortgage) 46444.23
    21100.74/46444.23 45.43% paid
    • ahall3519
    • By ahall3519 15th Nov 18, 6:31 PM
    • 285 Posts
    • 898 Thanks
    ahall3519
    Good evening everyone! Please put me down for 2.50 to the usual OH's CC. Thanks!
    Halifax CC total-1449.99 Debt=0 100% paid

    John Lewis CC total-3031.22 Debt=1155=62% paid
    • erin_transport
    • By erin_transport 15th Nov 18, 8:24 PM
    • 813 Posts
    • 3,249 Thanks
    erin_transport
    Hi
    50 to pension pot
    Thanks
    On a mission!

    2018 & 2019 MFW #138
    • A Random Man
    • By A Random Man 15th Nov 18, 9:23 PM
    • 455 Posts
    • 2,057 Thanks
    A Random Man
    Very small payment of 0.32 towards my CC
    Make 10 A Day (Matched Betting) 208/170.48 (81.96%)
    Make 10 A Day (Other Income) 55/21.13 (38.41%)
    Matched Betting - 3051.03|eBay Earnings 298.68| Quidco Earnings 79.72
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