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A Payment A Day - Part Six!

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  • Wooooohooo! I have incredibly good news! But first my PADs:

    24/12: £593.11 to my o/d - clearing it! (albeit temporarily)
    25/12: £1 to flagon
    26/12: £1 to flagon
    27/12: £1 to flagon
    28/12: 70p to flagon
    29/12: £2986.28 to my loan - clearing it!
    Total PAD: £3583.09

    This means that as of 10am this morning I am DEBT-FREE!!!

    However, to become debt-free a month early I have set myself quite strict limits on spending ths month, and I may, therefore, have to use a little of my overdraft to see me through until next payday..but that will be paid off next month. However, right here, right now (and with spends in the bank) I am clear. Man, it's such a great feeling. :D

    If it's OK with everyone, though, I would like to stick around and start PADing into savings from next month...I love it here :o

    I hope everyone is having fantabulous holidays!

    Weeeeeeeeeee *meep*
    TPx

    Mortgage-Free Wannabe
    Mortgage at start [20/6/12]: £151,800/MFD Jun 2035 (age 65)
    Mortgage now [5/11/14]: £139,212.14/MFD Oct 2029 (age 59)
    Personal Library 2014
    :starmod: Read in 2014: 57/60 :starmod: In Progress: 2 :starmod: Books In: 94 :starmod: Books Out: 12 :starmod: TBR: 847 :starmod:
  • macgirl
    macgirl Posts: 5,091 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Wow TP - Congrats :T:T:T:T:T
    That's a fabulous start to the new decade, so well done you :D

    I have a big PAD for me, but miniscule compared to you £390 please Gilli.
    Today's total should be PAD-TASTIC!
    Well done all of us :T
  • macgirl wrote: »
    Wow TP - Congrats :T:T:T:T:T
    That's a fabulous start to the new decade, so well done you :D

    I have a big PAD for me, but miniscule compared to you £390 please Gilli.
    Today's total should be PAD-TASTIC!
    Well done all of us :T

    Thanks Mac...I still can't quite believe it! I always wanted to be debt-free
    before I turned 40 (9 months to go! And I didn't think it was possible before finding ths place and all you lovely people)...now just gotta tackle my smoking :rolleyes:

    Can't wait to see the end of year total - everyone's been going great.
    :T
    Mortgage-Free Wannabe
    Mortgage at start [20/6/12]: £151,800/MFD Jun 2035 (age 65)
    Mortgage now [5/11/14]: £139,212.14/MFD Oct 2029 (age 59)
    Personal Library 2014
    :starmod: Read in 2014: 57/60 :starmod: In Progress: 2 :starmod: Books In: 94 :starmod: Books Out: 12 :starmod: TBR: 847 :starmod:
  • macgirl
    macgirl Posts: 5,091 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    8 months to go for my own 40th :o - so a joint PAD party maybe?!
    Well done, I hope I'm well on the way to being DF by then too.

    Good luck not smoking. I know it's not easy. My DH gave up 6 weeks before we had our first baby 6 years ago and said he still thinks about fags every day :(
    Have a good day x
  • keza
    keza Posts: 1,311 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    wow congrats TP!! i cant wait to feel that feeling ! lol!! xx
    Current Mortgage balance - £363,785.35/£420,000 (highest point Oct 2022).
  • macgirl wrote: »
    8 months to go for my own 40th :o - so a joint PAD party maybe?!
    Well done, I hope I'm well on the way to being DF by then too.

    Good luck not smoking. I know it's not easy. My DH gave up 6 weeks before we had our first baby 6 years ago and said he still thinks about fags every day :(
    Have a good day x


    Ooooh I never say no to a party :D And I shall still be following everyone's progress on here. You'll get your DFD soon too, I'm sure :o You too x

    keza wrote: »
    wow congrats TP!! i cant wait to feel that feeling ! lol!! xx


    I am rooting for everyone else too! Thanks :o

    OK - now off to have a bath. It's cats and dogs here and it's the best way to warm my bl**dy feet up :rolleyes:
    Mortgage-Free Wannabe
    Mortgage at start [20/6/12]: £151,800/MFD Jun 2035 (age 65)
    Mortgage now [5/11/14]: £139,212.14/MFD Oct 2029 (age 59)
    Personal Library 2014
    :starmod: Read in 2014: 57/60 :starmod: In Progress: 2 :starmod: Books In: 94 :starmod: Books Out: 12 :starmod: TBR: 847 :starmod:
  • keza
    keza Posts: 1,311 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    My Pad today is just £5 bb win flying off to virgin!

    So £5 for me plz!

    Hugs for everyone whos not well :) xx
    Current Mortgage balance - £363,785.35/£420,000 (highest point Oct 2022).
  • Wooooohooo! I have incredibly good news! But first my PADs:

    24/12: £593.11 to my o/d - clearing it! (albeit temporarily)
    25/12: £1 to flagon
    26/12: £1 to flagon
    27/12: £1 to flagon
    28/12: 70p to flagon
    29/12: £2986.28 to my loan - clearing it!
    Total PAD: £3583.09

    This means that as of 10am this morning I am DEBT-FREE!!!

    However, to become debt-free a month early I have set myself quite strict limits on spending ths month, and I may, therefore, have to use a little of my overdraft to see me through until next payday..but that will be paid off next month. However, right here, right now (and with spends in the bank) I am clear. Man, it's such a great feeling. :D

    If it's OK with everyone, though, I would like to stick around and start PADing into savings from next month...I love it here :o

    I hope everyone is having fantabulous holidays!

    Weeeeeeeeeee *meep*
    TPx


    Great stuff. Woooo hooooo
    :T:T:T:T:T:T:T:T:T:T:T
  • mswan
    mswan Posts: 433 Forumite
    Part of the Furniture Combo Breaker
    Wooooohooo! I have incredibly good news! But first my PADs:

    24/12: £593.11 to my o/d - clearing it! (albeit temporarily)
    25/12: £1 to flagon
    26/12: £1 to flagon
    27/12: £1 to flagon
    28/12: 70p to flagon
    29/12: £2986.28 to my loan - clearing it!
    Total PAD: £3583.09

    This means that as of 10am this morning I am DEBT-FREE!!!

    However, to become debt-free a month early I have set myself quite strict limits on spending ths month, and I may, therefore, have to use a little of my overdraft to see me through until next payday..but that will be paid off next month. However, right here, right now (and with spends in the bank) I am clear. Man, it's such a great feeling. :D

    If it's OK with everyone, though, I would like to stick around and start PADing into savings from next month...I love it here :o

    I hope everyone is having fantabulous holidays!

    Weeeeeeeeeee *meep*
    TPx

    Fantastic, well done :T
  • nickynoo08
    nickynoo08 Posts: 1,860 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Well i braved the sales today and guess who went flying on the ice!!!! Yup me! I could of cried, would normally of laughed about it but as i'm 5 and a bit months pregnant i sh*t myself. Thankfully baby is ok, he's busy doing star jumps on my bladder! but my back and wrist are really sore. Please be careful out everyone its leathal!

    Well done TP hopefully that will be us this time next year:T

    Can i also add another £2 to baby savings and 70p my pad tin

    Thanks
    £387.39/£196.46
    Pay my debt by End of Feb 2022
    49.28% paid!

    £199.55/£500 savings by End of April 2022
    39.91% saved!

    Make £2022 in 2022 - £20
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