A question about : A Payment A Day
Official MoneySavingExpert.com insert:
What's it about? The Payment a Day (PaD) forum thread started in 2008, based on the idea of making a payment to just one debt every day - even if just a penny.
Two years later, nine forum threads have been filled and half a million pounds of debt paid off, proving it really does work. So we're giving it a special mention in the weekly email to help inspire others, and say congrats to all involved.
Can I join in? Of course - just sign up to the forum (it's free) and click 'reply' to say hi to your fellow PaD-ers!
Back to the original post...
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*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 
*The principles*
Emily Hallett started a fantastic thread called 'a payment a day' which you can find here:
Thread 1
The thread was a huge success and was continued in 'A Payment a Day Parts 2-8'. Those threads can be found here:
Thread 2 Thread 3 Thread 4 Thread 5 Thread 6 Thread 7 Thread 8
The thread is extremely supportive and friendly, with lots of madness and smileys to boot! It is ever increasing, which is why part 9 has now been started.
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 
*The numbers*
To show how well we all do, the collective amount paid to each debt, per month, will be logged here. Look how amazing the totals are 
January Ј49,718.31 What a great start to the year!!
February Ј55,442.48
March Ј49,726.57
April Ј41,898.23
May Ј47,278.84
June Ј48,604.92
July Ј41,914.26
August Ј57,074.96
September Ј31,421.27
October Ј40,050.33
November Ј37,664.42
December
2010 so far : Ј500,794.59
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Best answers:
- Happy birthday to Andy too
- G'day all!
PADs for me are...
Yesterday:
Ј2 coin into Mad Catter
Ј30.57 rounding down account into online saver
Today:
Ј2 coin into Mad Catter
Ј500 into ISA
Ј7.27 ISA interest
Ј50 into online saver
Grand total = Ј591.84 please
Happy birthday to everyone who flewped into this world today
I have a cold
*cough*
*sniff*
*meep* x - Afternoon all
Just weighed in and have lost 2lb , thats not bad for 4 days work is it
Ive not really excercized excersized exersized worked out either
Hopefully that should spur me on to do better **downs doritos and wipes face**
Mumof4 xx - Oh also, whilst the boys are asleep...
I went overdrawn yesterday on my current account and dont have an overdraft.It was only Ј20 and simply because a debit was taken yesterday monring.
I had every intention of paying in another Ј20 so I wouldnt be charged (Lloyds tsb say if you go over and get back in the black by 3/4pm you wont be charged) but when I went to my branch at 1.05pm it was locked with a note on the door saying back at 1.30.
They dont close at dinner as a rule and nothing is mentioned on their opening times so do you think I have some fair argument for asking them to waive it? I did try to pay it in but I have 4 kids, all on half term and its a real trek to the bank, especially if id gone twice considering they normally would have been open
Im thinking if im nice they might let me off
Any opinions?
Mumof4 xx - Hi all
Many happy returns of the day to all birthday peoples.....hope it's a good one! Popping in to PAD - sorry didn't get on yesterday, but it was only a Ј2 coin into the VW Campervan moneybox. BUT add it to today's which is Ј2653.31 to DH's evil eggy one - makes a today total PAD of Ј2655.31 please Angelic
Had to pay that from my 0% Bt when I checked up & realised that the evil eggies had sneakily put up their IR to nearly 27% - EEEEEkkkkkkk how did that happen - when did Part 9 sneak in?! Hope everybody's ok - haven't got time to pop back onto old thread to check up
Anyway a PAD of Ј6.47 for me today please Angelic split between ebike fund and VSP
-s- - OOhh a shiny new thread!
to Andy
Shame I can't have a piece though!!
mum of4 - pleased to hear you are not crazy!! at least not too crazy'cos you need to be a little mad to be on here!
Think you've got a good case to have any overdraft charges refunded!!
Pad today Ј25.28 please dear angelic one!!
I'm only 1/2 lb down, but that since Friday... lots of meals out this week which will hurt both the pocket & the weight loss!!
Never mind... every little helps!!
Pip
x - Hiya
I'm hagging my head in shame.
I stole 4 chocolate digestives from the office next door.
Nothing sweet in my office, all of us are trying to loose weight
This morning I brought chopped carrot and grapes to snack on and lunch was a simple salad. So I started with all good intentions, honest I did.
My down fall was going feeling I wanted something sweet and went on the hunt........theres got to be something somewhere.......
there were 5, so on a bogus excuse to be in there timed so no-one was around.....the rest is history.
Have you noticed how stolen biscuits taste soooooo much better that those you bought or even made your self (I hear this IS possible, only a rumorer though please dont be too alarmed )?
The long and the short of this is that I can now declare a PAD of Ј6.49
Cos I didnt have to buy any biscuits..............................and the whole packet would have gone as well as the BOGOF. Would have sharedhonest
Going to write my lines
I must not steal biscuits
I must not steal biscuits
only 998 to go.
See you later, I might be some time
Peedie - Evening all on the shiny new thread,
Happy Birthday to the three Padders!
Another Ј30 to the cc.
Off out for a curry and a glass or two soon!
Hope all well,
Jo x - HAPPY BIRTHDAY TO MY FELLOW BIRTHDAY TWINS!
Had a perfect day, skipped work this afternoon and spent it in the pub and didn't buy any drinks, whoop whoop. MSE Birthday. A little squiffy though, lol.
PAD of Ј140 today to Barclaycardo.... - No PAD. Going on holiday at the weekend and will have a biggish PAD for my day back as many of my debits go out in the first week. There will be a couple over the next daty or two as well. Just entering the threead really so I can set up thew email notifications.
- Ј1.34 today to Virgin CC as usual thanks Angelic
- I promised myself when the new thread started I'd come back and join in, hope you don't mind
10 pounds to Tescos
xxx - Hi all, yet another Ј1 to Barclaycard.
Happy Birthday to Gilli, Silaqui and Andy - Hi total PAD for me today of 13p, but I am stepping it up a notch and as well as my mAdditions I've got a shiny mayonnaise jar for my New Car Fund (NCF). My rule is though to focus on the catalogue rather than saving so the NCF will be limited to 1p per day unless I'm feeling extra generous. So today's payment is made up of;
12p mAdditions tin
1p New Car Fund jar
PS I had Ј17 in my tin so I have paid Ј10 into my bank and made a payment of Ј10 hopefully should shave some interest off for me - Hi all,
My usual Ј1 please Angelic.
Have a fab day everyone.
- 422 reads