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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 22nd Jan 17, 3:05 PM
    • 3,423Posts
    • 14,977Thanks
    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 64
    • LittleMissDetermined
    • By LittleMissDetermined 8th Jun 17, 6:10 AM
    • 2,041 Posts
    • 8,588 Thanks
    LittleMissDetermined
    Good morning everyone

    The total for Wednesday the 7th of June is 1302.84

    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...
    • LittleMissDetermined
    • By LittleMissDetermined 8th Jun 17, 6:10 AM
    • 2,041 Posts
    • 8,588 Thanks
    LittleMissDetermined
    My offering today is just 5.77
    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 8th Jun 17, 6:18 AM
    • 1,463 Posts
    • 10,606 Thanks
    jet9cat
    A survey pay out gives me a PAD of 10 for me today please
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • Jo Blogs
    • By Jo Blogs 8th Jun 17, 8:42 AM
    • 730 Posts
    • 2,597 Thanks
    Jo Blogs
    Good morning all

    Great going with all the PADs - keep 'um rolling in

    Wishing you all an extra 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
    • erin_transport
    • By erin_transport 8th Jun 17, 9:37 AM
    • 524 Posts
    • 2,339 Thanks
    erin_transport
    Morning all!
    20 to savings
    7 to the new cc I'm going to attack
    27 total today. Thanks
    On a mission!

    2018 MFW #138
    • kirtsypoos
    • By kirtsypoos 8th Jun 17, 11:14 AM
    • 3,423 Posts
    • 14,977 Thanks
    kirtsypoos
    Morning all

    19 to OH BC 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
    • mumofthetwins
    • By mumofthetwins 8th Jun 17, 3:06 PM
    • 1,018 Posts
    • 4,006 Thanks
    mumofthetwins
    Hi guys
    Today's PAD Is100 ...

    Just set up a payment from my bank so only did 100 I will have another few hundred to pay but I just wanted to make sure I set it up properly first lol
    DFW
    May 1885/23042
    April 1266.27/25843.54 STF 1500/1500
    NSD 7/15
    MFW OP 2018 400
    GC MAY 78.84/250 April 149.35/250
    • ahall3519
    • By ahall3519 8th Jun 17, 9:37 PM
    • 234 Posts
    • 797 Thanks
    ahall3519
    Good evening everyone! Please put me down for 10 to debt two again! Thanks!
    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=475.93=60% paid
    • Lau0707
    • By Lau0707 8th Jun 17, 9:56 PM
    • 73 Posts
    • 373 Thanks
    Lau0707
    Evening all, 22 to my CC today. Frustratingly awaiting my tax rebate's which will help SO much x
    Focusing on Student Overdraft: April- 1350/ 1225.
    • mandz1
    • By mandz1 9th Jun 17, 7:07 AM
    • 2,548 Posts
    • 11,090 Thanks
    mandz1
    Morning all. happy Friday

    13.00 to very today please.
    PAD Maker
    • LittleMissDetermined
    • By LittleMissDetermined 9th Jun 17, 8:47 AM
    • 2,041 Posts
    • 8,588 Thanks
    LittleMissDetermined
    Good morning everyone and Happy Friday!

    The total for Thursday the 8th of June is 193.77

    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...
    • LittleMissDetermined
    • By LittleMissDetermined 9th Jun 17, 8:47 AM
    • 2,041 Posts
    • 8,588 Thanks
    LittleMissDetermined
    My PAD today is 60.35

    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...
    • jet9cat
    • By jet9cat 9th Jun 17, 11:04 AM
    • 1,463 Posts
    • 10,606 Thanks
    jet9cat
    Another 100 off the balance cc today please LMD
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • Chappie77
    • By Chappie77 9th Jun 17, 12:02 PM
    • 165 Posts
    • 765 Thanks
    Chappie77
    Morning all!

    I have been away for a couple of weeks so I am updating today. Having finished paying off my partner's credit card I have now moved on to my Next account so...

    PAD - 100 = 100/2226.93

    Chappie x
    Payment a Day 2018 Very 1701.22/1701.22 Business Barclaycard 0/633.19 Saving for Xmas 2018 156/500 Virtual Sealed Pot 2018 325/700 PAYDBX2018 2959.75/7268.47 2 Savers Club 2018 90
    • White-as-Snow
    • By White-as-Snow 9th Jun 17, 12:24 PM
    • 242 Posts
    • 739 Thanks
    White-as-Snow
    HI guys. A good one for me today to various places.
    423.89 please
    Total Debt:
    Dec 2015: 20,090.87
    Dec 2016: 16,320.85
    • squanderscouse
    • By squanderscouse 9th Jun 17, 12:47 PM
    • 89 Posts
    • 321 Thanks
    squanderscouse
    Haven't posted in a while back into PADing from now on.

    Just paid 100 to Barclaycard
    Bank Loan 5000/PAID Barclaycard2500/1811.34Overdraft 2000/Cleared MBNAClosed
    Littlewoods 1200/181.65

    February NSD 4/12
    Sealed pot challenge 11 #568
    February bring your lunch to work = 6/18
    • erin_transport
    • By erin_transport 9th Jun 17, 3:20 PM
    • 524 Posts
    • 2,339 Thanks
    erin_transport
    Hi
    My mortgage statement came in the post today (only get one a year and can't view online) and I'm so so pleased with the overpayments making a difference!!!. Chuffed to bits in fact! The Tilly-Tidy at the end of the day makes such an impact. Every 5,10 really makes a difference. So, 200 today, to the mortgage overpayment - looking forward to seeing it at the top of the statement this time next year.
    On a mission!

    2018 MFW #138
    • Florence J
    • By Florence J 9th Jun 17, 5:07 PM
    • 1,893 Posts
    • 11,183 Thanks
    Florence J
    5.07 to Mr L card
    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
    • LittleMissDetermined
    • By LittleMissDetermined 10th Jun 17, 8:09 AM
    • 2,041 Posts
    • 8,588 Thanks
    LittleMissDetermined
    Good morning PADdingtons!

    The total for Friday the 9th of June is 1702.31

    Well done guys, we are doing fabulously!
    Last edited by LittleMissDetermined; 12-06-2017 at 6:07 AM.
    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...
    • kirtsypoos
    • By kirtsypoos 10th Jun 17, 10:22 AM
    • 3,423 Posts
    • 14,977 Thanks
    kirtsypoos
    Morning all

    112 for me today please LMD
    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
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