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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 2:05 PM
    • 3,439Posts
    • 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 321
    • MrsC....tobe
    • By MrsC....tobe 15th May 19, 7:44 PM
    • 1,029 Posts
    • 2,698 Thanks
    MrsC....tobe
    Hello everyone, wondering if I can join you please? My debt is now under £3k (not including my car, I had to get s new one for medical reasons) and itís at itís lowest ever in my adult life which is quite embarrassing actually, and I hope to have it paid off by the end of this year. I probably wonít remember to pop in here each day but will update when I can!

    I skim my bank account everyday, down to the nearest £5. This goes direct to BCard (0%) as a payment until they take the direct and then for the rest of the month I transfer it to another bank account linked to the credit card we use if we have holiday spends (itís paid off in full after itís used and this skimming helps us being the position to do this).

    Today I have paid £3.33 off the BCard.
    no longer ...tobe! Married 20/06/13
    gorgeous baby boy born 22/10/14
    • erin_transport
    • By erin_transport 15th May 19, 9:50 PM
    • 815 Posts
    • 3,253 Thanks
    erin_transport
    Hi
    Welcome MrsC..tobe, friendly bunch on here.

    Sounds like you have a good plan.

    Today my PAD was £50 to savings
    Thanks
    On a mission!

    2018 & 2019 MFW #138
    • Lancashirelass1
    • By Lancashirelass1 16th May 19, 7:53 AM
    • 118 Posts
    • 344 Thanks
    Lancashirelass1
    £1208.00

    Pad today, is a mix of 437.00 shared to cc2, 3,4 and actual bill due to a very underestimated bill.
    Over time money of 750.00 straight to cc2
    And some added into an emergency fund.

    , I'm tired with all this overtime but my debts are slowly getting sorted!!

    Have a great week!
    Aim to be debt free....
    Snowballing since August 2017
    Debt total
    28'570.92 (august 17)
    • erin_transport
    • By erin_transport 16th May 19, 1:43 PM
    • 815 Posts
    • 3,253 Thanks
    erin_transport
    Hi
    Plodding away here too Lancashirelass- the end of the tunnel will come - at least you can do overtime to bolster the cause.
    Today £96 to my cc. That should be one cleared after a bit of adjustment for interest at the end of the month.
    On a mission!

    2018 & 2019 MFW #138
    • Lancashirelass1
    • By Lancashirelass1 16th May 19, 5:16 PM
    • 118 Posts
    • 344 Thanks
    Lancashirelass1
    Erin_transport I did think at the time of taking this extra work of the positive but then I'm lagging, I'm so tired, but then I'm tired of the debt.... So I'm plodding and this month's boost is from Easter pay at double time, so it's good really. Then I got a huge bill off electricity and gas..... So I'm back to over 8 grand again..... But never mind...... I have to be grateful at how far I've come and the good habits ive formed! X
    Aim to be debt free....
    Snowballing since August 2017
    Debt total
    28'570.92 (august 17)
    • MrsC....tobe
    • By MrsC....tobe 16th May 19, 9:53 PM
    • 1,029 Posts
    • 2,698 Thanks
    MrsC....tobe
    No odd pennies in the account this morning so I stuck a full £5.00 across to the BCard.
    Bank account looking quite healthy so will keep going like this until payday and then probably move all thatís left aswell.
    no longer ...tobe! Married 20/06/13
    gorgeous baby boy born 22/10/14
    • erin_transport
    • By erin_transport 17th May 19, 10:45 PM
    • 815 Posts
    • 3,253 Thanks
    erin_transport
    Hi
    This evening I popped a quick £21 into OH cc
    Life keeps getting in the way with unexpected bills
    Thanks
    On a mission!

    2018 & 2019 MFW #138
    • ahall3519
    • By ahall3519 18th May 19, 1:54 PM
    • 285 Posts
    • 898 Thanks
    ahall3519
    Good afternoon everyone! Hope everyone is well! I've shifted my JL balance to Sainsbury's on a 0% no fee deal for 22months as int free had finished with JL.

    Please put me down for £45 to Sainsburys CC.
    Halifax CC total-£1449.99 Debt=£0 100% paid

    John Lewis CC total-£3031.22 Debt=£1155=62% paid
    • erin_transport
    • By erin_transport 18th May 19, 4:11 PM
    • 815 Posts
    • 3,253 Thanks
    erin_transport
    Hi
    £60 to mortgage over payment for me today
    Thanks
    On a mission!

    2018 & 2019 MFW #138
    • MrsC....tobe
    • By MrsC....tobe 18th May 19, 6:14 PM
    • 1,029 Posts
    • 2,698 Thanks
    MrsC....tobe
    Nothing paid yesterday as account was still round, odd pennies today so rounded down and added a fiver, £5.94 to BCard.
    Payday is coming!
    no longer ...tobe! Married 20/06/13
    gorgeous baby boy born 22/10/14
    • MrsC....tobe
    • By MrsC....tobe 19th May 19, 12:12 PM
    • 1,029 Posts
    • 2,698 Thanks
    MrsC....tobe
    So, last night we booked flights for a holiday later in the year. Weíre helping out at an event being hosted by friends so we get free accommodation and meals in their hotel. We only need flights and car hire, and whatever money for drinks and any extra meals we need. Bonus.
    We always book flights on the credit card so instead of it sitting there for a while, straightaway today I have transferred the money over to the feeder account to that card to pay it off. £249.18 for that and £2.58 to the BCard meaning £251.76 being paid today. Always good to get a holiday spend off the card again!
    no longer ...tobe! Married 20/06/13
    gorgeous baby boy born 22/10/14
    • erin_transport
    • By erin_transport 19th May 19, 10:28 PM
    • 815 Posts
    • 3,253 Thanks
    erin_transport
    Hi
    £60 to LISA account today
    Thanks
    On a mission!

    2018 & 2019 MFW #138
    • erin_transport
    • By erin_transport 20th May 19, 3:53 PM
    • 815 Posts
    • 3,253 Thanks
    erin_transport
    Hi
    Just 2.00 Tilly tidy from my current acc to savings today. Had the painter in to do the hall stairs and landing - far too big a drop to contemplate doing myself so another job off the long to do list anyway.
    On a mission!

    2018 & 2019 MFW #138
    • AdventureWanted
    • By AdventureWanted 21st May 19, 1:39 PM
    • 1,154 Posts
    • 4,030 Thanks
    AdventureWanted
    £201 paid to CC3 today.
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