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Payment A Day Chapter 18
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Quite new here but just been reading this thread and think I understand it...can I join in please? We have a DMP & a mortgage to clear, so hoping this will motivate me more. Have been paying off bits off the mortgage extra when we can, but now I have discovered surveys etc, I'm hoping this will help even more. I will try and get to grips with signatures etc so I can list the debts and watch it go down.Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,524....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £570/£3000
.
Studies/surveys August £14.50
Decluttering items 929
Books read 15
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up5 -
£5 off cc today
22/08/2022
BIG LOAN £15,843- 05/09/22-now £15,070.93
HALIFAX CC £328/£1,063
MORTGAGE 22/8/22 £367,000
September 2022 grocery challenge £260.77/£320
Payment a day from 22/8/22 total so far-£176.15
Saving for Christmas 2022 £228.02
Saving for holidays £485.394 -
Welcome @Makingabobor2! You're more than welcome to join us and you can make as little or as much as often as you are able to. Although the thread is titled Payment a Day (PAD) not everyone can make payments that frequently, but I'd encourage you to still check in as it'll motivate and support you. Some people track their minimum and regular payments, some only track overpayments, some are clearing debt, some are saving and everything in between. Only you know what's good for your journey, so don't feel pressured, but we're here to celebrate all wins no matter how small, and offer you support if you need it 😁.
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 22/504 -
£3 to winter fund xx4
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£5 off cc today
22/08/2022
BIG LOAN £15,843- 05/09/22-now £15,070.93
HALIFAX CC £328/£1,063
MORTGAGE 22/8/22 £367,000
September 2022 grocery challenge £260.77/£320
Payment a day from 22/8/22 total so far-£176.15
Saving for Christmas 2022 £228.02
Saving for holidays £485.394 -
£5 also today off cc. Earlier post was for 03/09 but forgot to post.
22/08/2022
BIG LOAN £15,843- 05/09/22-now £15,070.93
HALIFAX CC £328/£1,063
MORTGAGE 22/8/22 £367,000
September 2022 grocery challenge £260.77/£320
Payment a day from 22/8/22 total so far-£176.15
Saving for Christmas 2022 £228.02
Saving for holidays £485.394 -
£20 to Interest only element of mortgage
Thanks27/5/17 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 54 -
Happy Sunday everyone.
I am sat at a Car Boot, which always seems like a good idea until its time to get up! Have made a few £ already and the bigger bonus is that we are getting rid of some of my daughters old toys that we cant take with us when we move.
£4.62 for me today.PAYDBC24 #8 ~ £10188.213 -
Morning! Good luck at the car boot @Doily94!!£1 sent to CC7 this morning
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 £25714 -
Morning all 😁
The total for 3 September 2022 was £61.38
For anyone else feeling a bit overwhelmed or beating yourself up about the past financial decisions that have led us to this moment, here's some food for thought...
PS - I added your £5 from 03/09/2022 to yesterday's total @Tiddlyteddy so not to worry.
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 22/505
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