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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My PAD today is £1 to CC7. I know I am only adding small amounts between pay dates but it's definitely making a difference overall to my balance, plus I have been able to move my projected DFD forward to July 2023
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 £6991 | EF £1000/£1000 | Sabbatical £3530/£6000 | Travel savings £1828 | Sinking pots £28276 -
WOOHOO!!! That's brilliant. It is definitely making a big difference and it's great when you see the date come forward. That is really motivating to keep making the effort for those little payment!LittleMissDetermined said:My PAD today is £1 to CC7. I know I am only adding small amounts between pay dates but it's definitely making a difference overall to my balance, plus I have been able to move my projected DFD forward to July 2023
LMD x5 -
£7 PAD to debt xx4
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Morning,
Another £1 to CC2 pot for me please x Debt Remaining: £8,781.53
3 Month EF: £1,000/£4,494
2025 MFW Challenge #9: £999.00/£4,0004 -
Morning everyone! My PAD today is £18 to sealed pot, £67.33 to bills and £1 to CC7 (£86.33 in total)
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 £6991 | EF £1000/£1000 | Sabbatical £3530/£6000 | Travel savings £1828 | Sinking pots £28273 -
Morning £3 to debt for me please27/5/17 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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Morning all,
The total PAD for 14 September 2022 was £24
I'll give you all an encouraging/motivational spoiler for this month's total... so far we've PADded more in the last 14 days than we did each month from January to July 2022! 😳 Keep up the great work everyone - every PAD no matter how big or small all adds up 👏🏾🎉👏🏾.
Sometimes life just happens and we have to reconsider our financial plans or make changes to our lifestyle. Often we can get down on ourselves for any changes or setbacks, and think that this prevents us from achieving our goals. Or that we've failed. But always remember..
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 -
£45 off the cc today for me. Day four of not smoking so that’s nearly £50 saved. What a waste of money over the years. Hey ho, new beginnings.
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 -
Well done! The money aspect is what stopped my dad from starting up again, and that was some time ago now so I can't imagine how expensive it is these days... good for you!Tiddlyteddy said:£45 off the cc today for me. Day four of not smoking so that’s nearly £50 saved. What a waste of money over the years. Hey ho, new beginnings.Life 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 £6991 | EF £1000/£1000 | Sabbatical £3530/£6000 | Travel savings £1828 | Sinking pots £28272 -
£103 PAD to debt x3
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