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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 3,423Posts
    • 14,971Thanks
    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 56
    • Duckydo
    • By Duckydo 18th May 17, 10:20 AM
    • 100 Posts
    • 1,103 Thanks
    Duckydo
    Sorry for not posting over the last few days the BD has not only been lurking, but come and sat on my lap

    A small 5 today please.
    • kirtsypoos
    • By kirtsypoos 18th May 17, 11:03 AM
    • 3,423 Posts
    • 14,971 Thanks
    kirtsypoos
    Morning PADdingtons!

    5 for me today to OH BC 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
    • kirtsypoos
    • By kirtsypoos 18th May 17, 11:04 AM
    • 3,423 Posts
    • 14,971 Thanks
    kirtsypoos
    Sorry to hear that Duckydo - have a day
    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 18th May 17, 12:44 PM
    • 2,739 Posts
    • 20,370 Thanks
    sashybo
    Hi all, usual 1 to loan no1 today.

    Hope you're feeling better soon Duckydo, have a dodgy hug.
    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.
    • jet9cat
    • By jet9cat 18th May 17, 7:36 PM
    • 1,446 Posts
    • 10,532 Thanks
    jet9cat
    17 to EF today please mandz.
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • erin_transport
    • By erin_transport 18th May 17, 7:55 PM
    • 499 Posts
    • 2,233 Thanks
    erin_transport
    Hi
    Just 5 to mortgage O/P
    Thanks
    On a mission!

    2018 MFW #138
    • Florence J
    • By Florence J 18th May 17, 8:11 PM
    • 1,890 Posts
    • 11,166 Thanks
    Florence J
    72.50 to a debt I owe OH
    Sealed Pot Challenge 11 #553
    1000 Emergency Fund Challenge #253
    Wombling free 2017 = 2195.92
    Pay off all your debts by Xmas 2017 #53 (3168.45/3000)
    February 2018 Credit Card Debt: 3885
    • sashanut
    • By sashanut 18th May 17, 11:41 PM
    • 2,765 Posts
    • 25,635 Thanks
    sashanut
    Hi all


    PAD 13.00 to MnS cc plz Mandz1 - thank you
    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
    • jet9cat
    • By jet9cat 19th May 17, 6:22 AM
    • 1,446 Posts
    • 10,532 Thanks
    jet9cat
    5 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 19th May 17, 6:49 AM
    • 2,548 Posts
    • 11,090 Thanks
    mandz1
    18th may total




    165.73
    PAD Maker
    • Jo Blogs
    • By Jo Blogs 19th May 17, 7:19 AM
    • 730 Posts
    • 2,597 Thanks
    Jo Blogs
    Good morning everyone

    Great going with all the PADs - Keep 'um rolling 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
    • Erme
    • By Erme 19th May 17, 8:23 AM
    • 3,596 Posts
    • 21,542 Thanks
    Erme
    Hi all


    Still on the flipping iPad so not much fancy fonting ... PAD 13 to MnS cc plz Mandz1 - thank you
    Originally posted by sashanut
    Thought about getting a cheap Linux (pre installed or even cheaper you can get a DVD and install it self) laptop?

    When I killed a keyboard on chromebook I got a cheap linux laptop (ubuntu) and it's great - keyboard, printer, office, music, podcasts ) - would have to check and pm whom I got mine off ebay (mid price) but they were good and had good couriers

    E

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


    • sashybo
    • By sashybo 19th May 17, 12:32 PM
    • 2,739 Posts
    • 20,370 Thanks
    sashybo
    Hi all PAD of 51.50 today to loan no1 as got more survey money through.
    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.
    • kirtsypoos
    • By kirtsypoos 19th May 17, 12:59 PM
    • 3,423 Posts
    • 14,971 Thanks
    kirtsypoos
    Morning all!

    Payday for me but big PADs are going to savings ready for our trip to NZ later this year, so just a small payday PAD of 25 to OH BC for me 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 19th May 17, 4:33 PM
    • 499 Posts
    • 2,233 Thanks
    erin_transport
    Afternoon
    Just a TT of 3.21 to online savings.
    Hoping for a transfer to mortgage o/p tomorrow
    Thanks.
    On a mission!

    2018 MFW #138
    • LittleMissDetermined
    • By LittleMissDetermined 19th May 17, 6:46 PM
    • 2,007 Posts
    • 8,441 Thanks
    LittleMissDetermined
    My offering today is 15 please

    LMD x
    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...
    • mandz1
    • By mandz1 20th May 17, 7:08 AM
    • 2,548 Posts
    • 11,090 Thanks
    mandz1
    19th May total




    99.71





    Have a great weekend everyone
    PAD Maker
    • erin_transport
    • By erin_transport 20th May 17, 10:11 AM
    • 499 Posts
    • 2,233 Thanks
    erin_transport
    Morning
    90 to pension pot - in need of a boost. May need to focus on this for a while.
    45 to isa
    30 to cc
    Total today 165
    On a mission!

    2018 MFW #138
    • Erme
    • By Erme 20th May 17, 11:26 AM
    • 3,596 Posts
    • 21,542 Thanks
    Erme
    Keep these pads coming

    Hoping to get back to saving and stop spending my spare pennies

    Tis not good for the mental health

    E

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


    • sashybo
    • By sashybo 20th May 17, 1:25 PM
    • 2,739 Posts
    • 20,370 Thanks
    sashybo
    Hi all, just the usual 1 to loan no1 today.

    Hi Erme good to see you back.
    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.
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