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Payment A Day Chapter 18
Comments
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Morning
£1 to CC7 for me today please
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25711 -
👋
£1.27 PAD to my new 'monthly overpayments ' sinking fund. With concerns growing around energy etc I've made the decision to not sent PADS straight to debt but to hold them in a designated pot and assess how much I can afford to pay to debt at the end of each month x2 -
Evening!
The total PAD for 4th August is £197.29.
Shell 😀Debt Free - 04/03/23. Total LBM August 2021 £15410.70
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Hi
£5 to cc2On a mission!
2018 & 2019 MFW #138
On babystep2 (#DR)2 -
That's exactly what I've started doing @Deleted_User. It's made me feel so much better, as I still get to make overpayments to bring the debt down, but I'm not leaving myself short and I can make the PAD at the end of the month when I review everything.Deleted_User said:👋
£1.27 PAD to my new 'monthly overpayments ' sinking fund. With concerns growing around energy etc I've made the decision to not sent PADS straight to debt but to hold them in a designated pot and assess how much I can afford to pay to debt at the end of each month x
I've started a fund for me to get one month ahead on my bills as I have variable income throughout the month. So I want to be able to eventually have each enough to put a month's worth of bills into my into the Monzo pot where my bills come out of, so that I'm on top of everything should one month's income be lower etc. That's in its infancy as a fund, but it's given peace of mind nonetheless 😁.
Debt Free Diary:- The Mental Debt Struggle
(Original Debt on 15/07/2016 was £33,056.76) 🙈 but Debt Free on 09/02/2025 🎉
2025 SAVINGS: Emergency Fund (£604.30/£5,000) 12.09% saved
2025 CHALLENGES: #16 Sealed Pot Challenge ~ 18 || #9 50 Envelope Challenge 22/502 -
Hi @Keedie, that's such a good idea. I have been considering doing something simular but for our monthly energy bill in preparation ofthe winter with a goal of saving £400. We currently have £150 bill credit so that will give us £550 to ease the blow of the huge increase.
We're constantly having to reassess things aren't we. X2 -
Almost forgot £4 to PAD pot xx3
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Preparing for the forthcoming energy rises is a good idea. I’ve been putting odd bits aside in a separate passbook account.PAD of £50;to mortgage today as that’s yet another thing that’s going up!27/5/17 Mort 64705 BTs 1904031/12/17 Mort 59815 BT 1673007/04/20 Mort 49208 BT 1572128/07/20 Mort 47387 BT 1263414/11/20 Mort 45905 BT 10134 20/05/21 Mort 42335 BT 686811/08/22 Mort 32050 BT 2915Sealed Pot Challenge 16 Number 53
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£100 regular payment to CC7 for me today please
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25712 -
Morning all
£7.04 for my small loan today please.PAYDBC24 #8 ~ £10188.213
![[Deleted User]](https://us-noi.v-cdn.net/6031891/uploads/defaultavatar/nFA7H6UNOO0N5.jpg)
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