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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 79
    • jet9cat
    • By jet9cat 15th Jul 17, 10:44 AM
    • 1,463 Posts
    • 10,606 Thanks
    jet9cat
    And my own PAD today is 120 payment came through from counting the election so paid straight off the cc.
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • sashybo
    • By sashybo 15th Jul 17, 12:04 PM
    • 2,761 Posts
    • 20,492 Thanks
    sashybo
    Hi all, I've been MIA again sorry!

    A PAD of 8.50 today to loan no1 - it's now under 1,000.
    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.
    • sashanut
    • By sashanut 15th Jul 17, 11:59 PM
    • 2,790 Posts
    • 25,876 Thanks
    sashanut
    Hi all

    Popping in to PAD 34.85 to M&S cc plz jet9cat - tkyou!!
    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
    • erin_transport
    • By erin_transport 16th Jul 17, 12:31 AM
    • 524 Posts
    • 2,339 Thanks
    erin_transport
    Hi
    5 to cc
    Sorry for the late check in ... does this count for today or tomorrow?
    On a mission!

    2018 MFW #138
    • jet9cat
    • By jet9cat 16th Jul 17, 10:27 AM
    • 1,463 Posts
    • 10,606 Thanks
    jet9cat
    Hi all, I've been MIA again sorry!

    A PAD of 8.50 today to loan no1 - it's now under 1,000.
    Originally posted by sashybo

    Well done on the milestone sashybo, always good to hear of PADders making progress towards being debt free as it encourages us all.


    Total for 15th July was


    168.92
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • jet9cat
    • By jet9cat 16th Jul 17, 10:31 AM
    • 1,463 Posts
    • 10,606 Thanks
    jet9cat
    My own PAD today is 16.80
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • jet9cat
    • By jet9cat 16th Jul 17, 10:32 AM
    • 1,463 Posts
    • 10,606 Thanks
    jet9cat
    Hi
    5 to cc
    Sorry for the late check in ... does this count for today or tomorrow?
    Originally posted by erin_transport

    I'll count it in with today 16th payments
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • Jo Blogs
    • By Jo Blogs 16th Jul 17, 10:56 AM
    • 730 Posts
    • 2,597 Thanks
    Jo Blogs
    Good morning everyone

    Fantastic going with all the brilliant PADs - Keep 'um rolling on in

    Wishing you all an extra special 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 16th Jul 17, 5:19 PM
    • 524 Posts
    • 2,339 Thanks
    erin_transport
    Hi
    5 to online savings today
    Thanks
    On a mission!

    2018 MFW #138
    • kirtsypoos
    • By kirtsypoos 16th Jul 17, 5:53 PM
    • 3,423 Posts
    • 14,977 Thanks
    kirtsypoos
    Morning all!

    100 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
    • IWILLgetthere
    • By IWILLgetthere 16th Jul 17, 10:03 PM
    • 68 Posts
    • 311 Thanks
    IWILLgetthere
    Hello all,
    just been reading your thread and it has inspired me and made me want to join... is it too late?
    p.s. well done everyone
    • sashybo
    • By sashybo 16th Jul 17, 11:04 PM
    • 2,761 Posts
    • 20,492 Thanks
    sashybo
    Hi all, just the usual 1 to loan no1 today.

    Thanks jet9cat Padding to this loan has helped me cut the term by 15 months - was originally due to finish in May 2019 & will be paid off in February 2018 now without any more overpayments. I'm hoping to cut another few months off though & have it paid off by the end of this year. Not sure if I'll manage that due to moving onto statutory maternity pay soon but will give it a go!

    Hi IWILLgetthere welcome to PAD It's never too late to join, several of us come & go - I've been padding on & off for years now. Our only rule is to post your PAD in a larger size font & make it colourful if you can (my tablet is awkward & won't let me access the text colour for some reason) so that it's easy for the counter-upper to see.
    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.
    • sashanut
    • By sashanut 16th Jul 17, 11:45 PM
    • 2,790 Posts
    • 25,876 Thanks
    sashanut
    Hi all

    Popping in to PAD 12.10 to M&S cc plz jet9cat - tkyou!!

    Great news on the loan Sashybo - well done!!!
    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
    • Erme
    • By Erme 17th Jul 17, 6:30 AM
    • 3,596 Posts
    • 21,542 Thanks
    Erme
    And my own PAD today is 120 payment came through from counting the election so paid straight off the cc.
    Originally posted by jet9cat
    Glad it has finally come through - go you Jet

    Hi all, I've been MIA again sorry!

    A PAD of 8.50 today to loan no1 - it's now under 1,000.
    Originally posted by sashybo
    I haven't done this for a while but sashy I have an extra special treat for this milestone

    Great going you two! Keep on padding!!!

    E

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


    • laurababs
    • By laurababs 17th Jul 17, 7:16 AM
    • 220 Posts
    • 1,387 Thanks
    laurababs
    PAD of 7.42 this morning
    PADDING since 06-07-17

    Total so far 80.09
    • kirtsypoos
    • By kirtsypoos 17th Jul 17, 10:09 AM
    • 3,423 Posts
    • 14,977 Thanks
    kirtsypoos
    Morning all!

    49 mortgage OP for me please jet9cat

    Welcome IWILLgetthere - great name (it's the name of my diary so I am a little biased ) PADing makes such a difference - as you can see from Sashys amazing loan reduction
    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 17th Jul 17, 10:13 AM
    • 1,019 Posts
    • 4,007 Thanks
    mumofthetwins
    Morning Guys 200 PAD for me today .. hoping to make another tomorrow as I have got ebay stuff finishing tonight .. whoop
    DFW
    May 2585/23042
    April 1266.27/25843.54 STF 1500/1500
    NSD 7/15
    MFW OP 2018 400
    GC MAY 78.84/250 April 149.35/250
    • LittleMissDetermined
    • By LittleMissDetermined 17th Jul 17, 12:02 PM
    • 2,043 Posts
    • 8,588 Thanks
    LittleMissDetermined
    Back with a bump! Hope everyone's doing ok

    My PAD today is 85.80 to various places 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...
    • jet9cat
    • By jet9cat 17th Jul 17, 3:28 PM
    • 1,463 Posts
    • 10,606 Thanks
    jet9cat
    Some great PADs and encouragement coming through lately.


    Total for Sunday 16th July was


    139.90
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • jet9cat
    • By jet9cat 17th Jul 17, 3:30 PM
    • 1,463 Posts
    • 10,606 Thanks
    jet9cat
    My PAD today is 50 to OH cc
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
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