A Payment A Day Part 4

A question about : A Payment A Day Part 4

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 Part 2'. That thread can be found here:

Thread 2

And once again in Part 3 found here:

Thread 3

The thread is extremely supportive and friendly, with lots of madness and smileys to boot! It is ever increasing, which is why part 4 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

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 Ј31,633.52
February Ј27,954.19
March Ј38,976.80
April Ј34,235.12
May Ј35,660.62
June Ј38,126.07
July Ј54,400.38

Total for the year to date Ј260,986.70

This was originally done by ehallett and then Hopeful1 so please thank these ladies any time you see them!

Best answers:

• Yay I'm the 1st poster!!
• Just to say I'm subscribed and sorted! See you all later! xx
• How did you know to start a new thread FF??
  No pad for me again today. I have been into town this morning because I had a voucher for 20% off in New Look and wanted to see if there were any bargains I was missing out on. I didn't find anything I wanted that was full price so I gave my voucher away to a couple of teenage girls who had armfuls of stuff lol Feeling very virtuous now!
  I have also been to the gym (yay) but then nipped into co-op on the way home to buy some milk and ended up buying a couple of crusty bread rolls to eat with my soup (boo) whoops!
  Hope everyone is having a good saturday and making better PADs than I am!
  xx
• Hi Guys
  Sorry i have not been on for a while but i have been very busy, very stressed and very broke!
  I have made my first PaD of the week today of Ј150 to HMRC.
  I know i would not usually do that at the weekend but i have a bit of catching up to do and very little cashflow to do it with.
  Very annoyed with work who are behind with getting my bills out, so my cashflow has ground to a halt. Stress has set in and i have fallen off the wagon this week with my diet due to the stress. Only lost a poxy 1/2 lb!!!!! :rolleyes:
  Hope you are all well and spanking the bankers. Byeeeee xxxx
• Wooo! Lovin' the new thread!
  What a difference a week makes eh?
  Went for a soggy 4.5mile run this morning to make amends for last weeks mini-magnum shenanigans Got SOAKED, so feeling really shattered now...
  Need to get "Flyladying" my house up but feel like having a lazy Saturday in front of an old film (with a Magnum...)
  My PAD of Ј2 will be towards the O/D
  Have a great Saturday everyone!
  Hope those with probs, have a better week next week, Mac x
• Oooh a new thread! My PAD today is just Ј1...i've got to save up for the car tax at the end of the month so it'll be token payments until i've got that xx
• Oh my god thought i had lost you all!
  PAD is Ј4.13 to Natwest CC and Ј7.16 to HSBC CC
  Total PAD is Ј11.29
• Hi all
  Wet & windy here in Pennine Yorkshire; yar boo but good for the garden methinks. Small PAD yesterday for Ј2 coin to holiday saving VW camper bus moneybox, have to put ALL Ј2 coins in there....but don't get very many!
  Will be back later with more PAD for today. Little bit of a blow in the mail as DH had a letter from Virgin CC today to tell him they were withdrawing his card......BOOO. It was a nil balance & only a Ј3000 CL but we were just contemplating balance trans from some of the higher cards:confused: Ah well at least it is another on one well & truly gone methinks..
• Afternoon all,
  WOW, a luffly shiny new thread for aus all to play with, thanks FF
  My pad is Ј20 to the scAbbey card.
  My DD has gotten over her sickness bug thankgoodness, but my wee man still isn't himself. It could be hs teeth coming through, so fingers crossed he'll be on the mend soon.
  I need to get my a*s into gear sometime over the wknd, and get listing on ebay. I'm falling over things that I could sell, but can't seem to get myself into the right frame of mind to do it. :rolleyes:
  Well done to everyone who's padding away, be it huge or token payments. Don't lose faith, it really does work.
  Enjoy your wknd xx
• Hello everyone can I join in please
• Hi everyone!
  I've been lurking for ages, but not joining in because 'I don't have any spare cash to PAD'. Somehow though I've always got enough spare cash to buy a bar of chocolate,:confused: so I am going to find something, even if it is only 1p each day! I hope you don't mind me joining in even if I don't post every day.
  By the way, if you had all PADDED my way every day in May, I would be debt-free by now as your total is pretty much my total!
  Here's to knocking down that debt a bit, and my PAD for today is £2.02
  Cheers everyone! Jwil
• Nice NEW THREAD !!
  Hope all are OK.
  Quick post as off to the pub.
  Ј10.41 to Cap1
  Still not smoking - day 6 - Ј30 richer (but not for the totals paulio - thanks for the counting!)
  EDIT : Welcome Sue and JWIL - enjoy the thread !!
• SueP19 , jwil - Hi welcome to the madhouse !
  Good luck with your payment a day either small or large it's surprising how quickly it all adds up . Everybody on here is great which really helps to keep you motivated ......
  Ooooooooooh nearly forgot , if you happen to be on a diet we have a PAD diet challenge ... weigh in is on a thursday , you don't have to tell us your starting weight ( unless you want to ! ) just how much you have lost or gained each week ....
  terri x
• Hiya all you PADders out there!
  The totals above for each month are mind boggling so ahem! Excuse my brain is saying that I’m not being very polite (sorry!)
  ehallett- thankyou for the original idea (hope you’ve get royalties – no - well you should –you will have to have payments in (((hug))) form
  Hopeful1- many thanks for all her brill work
  Thankyou to flying fresian for the new thread because it was a horrible feeling when I thought I’d lost everybody
  That was very generous of you to give your voucher to the girls Silaqui praps you could have asked for a donation to the PAD appeal???
  I really liked your little phrase nicki02- “Well done to everyone who's padding away, be it huge or token payments. Don't lose faith, it really does work”
  And it so comforting to listen to everybody else’s happy times and bad times (no I am not sick and warped its just nice to know that other people have good and grot days too!
  My head is full of twaddle – I need you lot to keep me sane !!!:rolleyes:
  OH has finished a rather nice looking bottle of scrumpy cider oooharrrrrr! And I’ve pinched it to save 5p’s in –well it all helps
  Today’s PAD of the new PAD is Ј 3 to cr*pital 1 (grudgingly!!!)
  Hiya to new peeps- SueP19- especially because your dfd of 2019 is the same as mine – but we will get there even earlier eh ? Hiya jwil as well –too true –they’d pay my debts off too I wonder if that a possibility- no? – thought not
  The phantom PADder wishes everyone a great wkend as well ( just what is he up to ????) I was hoping he wouldn’t find his way onto the new thread –sorry folks !!!
  Pcb x (Hiya to Fagashlillneed I say more !!!!)
• Hello peeps ...
  Everyone ok ?
  Andy - Wow ..... Day 6 ...... That's really great ..... you are doing really well ...
  mumof4 , tomtom .... Sorry to hear that you are both having a sh*te time at the moment .... Hope everthing improves very soon ...
  Green - Are you ok ...
  Well done to lemma for losing 1/2 lb , sashanut for losing 1/4 lb , Piggin for losing 2 lb ...
  I have still got lots of calories left from yesterday as i only had 4 weight watchers bars to eat ( total calories 312 ) .... i only ate them because somebody bought them for me ! ... So my " spare ones " will go towards some wine later ! ...
  Anyway catch you all later
  terri x ( My total PAD is Ј50.10 ) ( I didn't post yesterday so am including todays in it )
• Gosh, i am so fed up of all of this.
  I have just managed to get OH fully on board with finally trying to sort these debts out, and HSBC have decided to put our interest rate upto 27%!!!