November 2023
I'm always in it, it's only the depth that varies....
Current debt: £10,806.75
Debt free date April 2025 (though expecting this to come forward)
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Payment A Day Chapter 18
Comments
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Good morning all!
All my big payments have been out already, so it'll just be my odd and extra money now -
£4.40 for the thieves at Very (I might take some time to work out just how much interest I have paid to them one day!)4 -
£4.47 bank tidy off the cc
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 £485.391 -
Morning all,
The PAD total for 6 September 2022 was £459.
Trying to get debt free is a really hard struggle, but we're here now and making the effort with baby steps or giant leaps. It doesn't matter how quick or slow your journey is, especially in comparison to others or your own ambitious expectations. We're all on our road to financial freedom, and when you're questioning your ability to continue on that journey often riddled with setbacks and miniature triumphs, just remember that...
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 -
£1 to CC7 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 £25713 -
Very true! And you wouldn't learn any lessons if everything was easy...Keedie said:Morning all,The PAD total for 6 September 2022 was £459.
Trying to get debt free is a really hard struggle, but we're here now and making the effort with baby steps or giant leaps. It doesn't matter how quick or slow your journey is, especially in comparison to others or your own ambitious expectations. We're all on our road to financial freedom, and when you're questioning your ability to continue on that journey often riddled with setbacks and miniature triumphs, just remember that...November 2023
I'm always in it, it's only the depth that varies....
Current debt: £10,806.75
Debt free date April 2025 (though expecting this to come forward)3 -
£12 PAD to debt
£5 to winter fund2 -
Got paid for switching accounts today, so paying off some extra... £50 to Very the Thieves
£505.89 in total for me!November 2023
I'm always in it, it's only the depth that varies....
Current debt: £10,806.75
Debt free date April 2025 (though expecting this to come forward)3 -
Didn't make any PADs today. I did come into an extra few ££ from a FB sale, but decided to use it wisely and bought some new tubs to be able to freeze more of the batch cooking I intend to do, to save money/energy. So hoping it was the right decisionMaking 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-up3 -
Yep! I've learned to stop fighting it, and knowing that although it isn't easy, I am making slow but steady progress. Just so that I log the correct number, is your PAD for today @CMD79 £50 or £505.89?CMD79 said
Very true! And you wouldn't learn any lessons if everything was easy...
@Makingabobor2 don't worry about not being able to PAD, it sounds like you made the best investment with your FB sale. I need to get a hang of batch cooking, but I don't really know where to start, so good for you on doing this. You'll be better off in the long run.
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 22/503 -
£50! Though I made an earlier entry as wellKeedie said:
Yep! I've learned to stop fighting it, and knowing that although it isn't easy, I am making slow but steady progress. Just so that I log the correct number, is your PAD for today @CMD79 £50 or £505.89?CMD79 said
Very true! And you wouldn't learn any lessons if everything was easy...
@Makingabobor2 don't worry about not being able to PAD, it sounds like you made the best investment with your FB sale. I need to get a hang of batch cooking, but I don't really know where to start, so good for you on doing this. You'll be better off in the long run.
November 2023
I'm always in it, it's only the depth that varies....
Current debt: £10,806.75
Debt free date April 2025 (though expecting this to come forward)1
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