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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 29
    • erin_transport
    • By erin_transport 18th Mar 17, 9:38 PM
    • 522 Posts
    • 2,308 Thanks
    erin_transport
    Evening
    45 to S&S isa
    20 to investment
    65 total. Thanks.
    On a mission!

    2018 MFW #138
    • kirtsypoos
    • By kirtsypoos 18th Mar 17, 9:54 PM
    • 3,423 Posts
    • 14,975 Thanks
    kirtsypoos
    Evening all!

    5 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 19th Mar 17, 7:29 AM
    • 1,017 Posts
    • 5,445 Thanks
    sunshine81
    Morning!

    Some of my transfers of money into my current account are starting to clear, but not enough yet to PAD my winnings. So for today I'm PADding the extra amount I withdrew - 150 - sent to Barclaycard.
    • mandz1
    • By mandz1 19th Mar 17, 7:41 AM
    • 2,548 Posts
    • 11,090 Thanks
    mandz1
    Saturday 18th March total




    127.65
    PAD Maker
    • LittleMissDetermined
    • By LittleMissDetermined 19th Mar 17, 9:55 AM
    • 2,037 Posts
    • 8,533 Thanks
    LittleMissDetermined
    Good morning!

    28.50 for me today please

    Have a relaxing Sunday

    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 19th Mar 17, 10:23 AM
    • 1,461 Posts
    • 10,580 Thanks
    jet9cat
    89.99 to the cc please Mandz
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • sashybo
    • By sashybo 19th Mar 17, 10:34 AM
    • 2,760 Posts
    • 20,474 Thanks
    sashybo
    Hi all, 2 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.
    • ahall3519
    • By ahall3519 19th Mar 17, 8:07 PM
    • 233 Posts
    • 792 Thanks
    ahall3519
    Good evening everyone! Please put me down for 10 to debt two. A survey paid out i'd forgot about!
    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 19th Mar 17, 9:48 PM
    • 522 Posts
    • 2,308 Thanks
    erin_transport
    Hi
    2.50 to cc
    10.00 mortgage O/P
    5.00 savings
    17.50 total. Thanks.
    On a mission!

    2018 MFW #138
    • sashanut
    • By sashanut 19th Mar 17, 10:44 PM
    • 2,785 Posts
    • 25,832 Thanks
    sashanut
    Hi all Back again after a spell of norovirus - yak yak never had it before & don't ever want it again....anyhow....
    my PAD is 24.44 - 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
    • LittleMissDetermined
    • By LittleMissDetermined 20th Mar 17, 6:15 AM
    • 2,037 Posts
    • 8,533 Thanks
    LittleMissDetermined
    Morning all

    A bank round down for me today send 1.57 to the credit card.

    Have a good Monday peeps

    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 20th Mar 17, 6:22 AM
    • 1,461 Posts
    • 10,580 Thanks
    jet9cat
    Sounds awful Sashanut, hope you're feeling better.


    10.30 for me today please.
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • mandz1
    • By mandz1 20th Mar 17, 6:48 AM
    • 2,548 Posts
    • 11,090 Thanks
    mandz1
    Sunday 19th March total




    322.43
    PAD Maker
    • erin_transport
    • By erin_transport 20th Mar 17, 8:28 AM
    • 522 Posts
    • 2,308 Thanks
    erin_transport
    Morning. Early check in for me today.
    15.00 to cc
    Thanks
    On a mission!

    2018 MFW #138
    • kirtsypoos
    • By kirtsypoos 20th Mar 17, 12:20 PM
    • 3,423 Posts
    • 14,975 Thanks
    kirtsypoos
    Afternoon PADdingtons!

    40 for me today please - clearing the account before payday tomorrow
    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
    • sashybo
    • By sashybo 20th Mar 17, 12:49 PM
    • 2,760 Posts
    • 20,474 Thanks
    sashybo
    Hi all, usual 1 to loan no1 today.

    Glad you're feeling better Sashanut, doesn't sound pleasant.
    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.
    • sunshine81
    • By sunshine81 20th Mar 17, 7:48 PM
    • 1,017 Posts
    • 5,445 Thanks
    sunshine81
    11.45 for me today to Barclaycard x
    • ahall3519
    • By ahall3519 20th Mar 17, 8:56 PM
    • 233 Posts
    • 792 Thanks
    ahall3519
    Good evening everyone! Another PAD today for me of 10 to debt two! Hope everyone is ok and sashanutyou're feeling better!
    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
    • sashanut
    • By sashanut 20th Mar 17, 10:57 PM
    • 2,785 Posts
    • 25,832 Thanks
    sashanut
    Hi all


    Yes thanks for the well wishes all, much better now....I'm rarely ill & for me to have to take to my bed in the daytime is almost unheard of...hopefully on the plus side I will have shed a few lbs ...but probably not LOL
    my PAD is 6.00 - 3 x 2 coins into vw campervan moneybox - 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
    • mandz1
    • By mandz1 21st Mar 17, 6:31 AM
    • 2,548 Posts
    • 11,090 Thanks
    mandz1
    Monday 20th March total



    95.32
    PAD Maker
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