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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 3,423Posts
    • 14,965Thanks
    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 43
    • Erme
    • By Erme 17th Apr 17, 8:06 AM
    • 3,596 Posts
    • 21,542 Thanks
    Erme
    Hi.
    A second PAD for me today... 26
    I'm feeling very happy with myself. Checked my statements from this time last year and happy to report that by shuffling, TTs and PADS I'm well over 5k less unsecured debt & at least 6 full mortgage payments ahead. Thanks everyone.
    Originally posted by erin_transport
    For this huge achievement Erin (and a half sane Erme ) I present thee the ultimate Easter virtual gift LOL


    No it's not virtual tiffin

    tis



    Happy PAD day!!!

    E

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


    • sunshine81
    • By sunshine81 17th Apr 17, 9:35 AM
    • 982 Posts
    • 5,296 Thanks
    sunshine81
    38.63 for me to Tesco Bank - which makes my Tesco Credit Card fully PAID
    • erin_transport
    • By erin_transport 17th Apr 17, 11:13 AM
    • 498 Posts
    • 2,232 Thanks
    erin_transport
    Morning!!
    27 to mortgage O/P
    1.20 to cc
    Total 28.20. Thanks everyone for the support. Wouldn't have been inspired or motivated to do it on my own. You guys rock!!!
    Last edited by erin_transport; 17-04-2017 at 11:17 AM.
    On a mission!

    2018 MFW #138
    • jet9cat
    • By jet9cat 17th Apr 17, 3:55 PM
    • 1,446 Posts
    • 10,532 Thanks
    jet9cat
    Back after a few days away at my sister's where I deliberately had a online detox, just chilling. talking and catching up etc so back now and straight into sorting out the finances with renewed energy.


    First - erin - just shows how much chipping away at something can make a difference - well done.


    And sunshine - great news on paying off the Tesco debt.


    And now from me a payment of 21.70
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • sashybo
    • By sashybo 17th Apr 17, 3:59 PM
    • 2,737 Posts
    • 20,349 Thanks
    sashybo
    Hi all, 2.50 to loan no1 today. Have been working all weekend but at least got double time for Friday & today.

    Well done to erin. and also to sunshine.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - 10,247 extra paid off debt. Total Debt paid off 50,597
    Loan 2575.31, CC 0% BT 1245, Car loans 22,960.14

    Have a Debt Free Diary to try & keep spending in check.
    • ahall3519
    • By ahall3519 17th Apr 17, 7:10 PM
    • 233 Posts
    • 792 Thanks
    ahall3519
    Good evening everyone! Please put me down for 50 to the usual debt two. Thanks.

    Well done Sunshine81
    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
    • kirtsypoos
    • By kirtsypoos 17th Apr 17, 9:00 PM
    • 3,423 Posts
    • 14,965 Thanks
    kirtsypoos
    Evening PADdingtons!

    Our Easter Sunday total was a wonderful 65.64!

    A late check in with this one but have had a day with my baby niece today and have finally settled on the sofa waiting for Broadchurch and catching up on the thread
    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
    • kirtsypoos
    • By kirtsypoos 17th Apr 17, 9:18 PM
    • 3,423 Posts
    • 14,965 Thanks
    kirtsypoos
    25 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
    • sashanut
    • By sashanut 18th Apr 17, 12:02 AM
    • 2,765 Posts
    • 25,634 Thanks
    sashanut
    Hi all

    My PAD is 13.35- pmt to M&S cc - thanks Kirsty


    Fantastic news on paying off the Tesco cc Sunshine
    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
    • Jo Blogs
    • By Jo Blogs 18th Apr 17, 2:11 AM
    • 730 Posts
    • 2,597 Thanks
    Jo Blogs
    Good morning everyone

    Great going with all the PADs Keep 'um rocking on in

    Wishing you all a blessed PADay
    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
    • kirtsypoos
    • By kirtsypoos 18th Apr 17, 10:19 AM
    • 3,423 Posts
    • 14,965 Thanks
    kirtsypoos
    Morning PADdingtons!!

    166.03 was yesterdays wonderful PAD total
    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
    • kirtsypoos
    • By kirtsypoos 18th Apr 17, 10:20 AM
    • 3,423 Posts
    • 14,965 Thanks
    kirtsypoos
    My offering for today is a nice round 50 to MBNA
    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
    • Chappie77
    • By Chappie77 18th Apr 17, 11:08 AM
    • 161 Posts
    • 754 Thanks
    Chappie77
    Morning all and a belated Happy Easter!

    I have been busy all weekend so I am a bit late putting this in. This is my PAD for week ending 14/4/17:

    100 off Barclaycard = 1055/1606.17

    Chappie x
    Payment a Day 2018 Very 1286.41/1701.22 Saving for Xmas 2018 124/500 Virtual Sealed Pot 2018 255/700 PAYDBX2018 2179.56/7268.47 2 Savers Club 2018 84
    • erin_transport
    • By erin_transport 18th Apr 17, 11:25 AM
    • 498 Posts
    • 2,232 Thanks
    erin_transport
    Morning all!
    2.22 to cc
    10.00 to mortgage O/P
    37 to savings. 49.22 total today. Thanks!!
    On a mission!

    2018 MFW #138
    • Lau0707
    • By Lau0707 18th Apr 17, 2:45 PM
    • 73 Posts
    • 372 Thanks
    Lau0707
    Im late to the party, but i love this ! I love paying daily xxxx
    • sashanut
    • By sashanut 18th Apr 17, 11:27 PM
    • 2,765 Posts
    • 25,634 Thanks
    sashanut
    Hi all

    My PAD is 52.70- pmt to M&S cc - thanks Kirsty
    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
    • Jo Blogs
    • By Jo Blogs 19th Apr 17, 1:05 AM
    • 730 Posts
    • 2,597 Thanks
    Jo Blogs
    Good morning everyone

    Great going with all the PADs Keep 'um racking on up

    Wishing you all a blessed PADay
    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
    • kirtsypoos
    • By kirtsypoos 19th Apr 17, 9:01 AM
    • 3,423 Posts
    • 14,965 Thanks
    kirtsypoos
    Morning PADdingtons!!!

    Our wonderful PADding total for 18th April was 265.27
    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
    • kirtsypoos
    • By kirtsypoos 19th Apr 17, 9:04 AM
    • 3,423 Posts
    • 14,965 Thanks
    kirtsypoos
    My PAD for today is 50 to OH BC
    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 19th Apr 17, 7:12 PM
    • 498 Posts
    • 2,232 Thanks
    erin_transport
    EveninG 10 to cc
    Thanks
    On a mission!

    2018 MFW #138
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