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Payment A Day Chapter 18
Comments
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Morning,
£23 PAD to debt xx2 -
Morning,
£1.02 into CC2 pot for me today please
x
Debt Remaining: £8,781.53
3 Month EF: £1,000/£4,494
2025 MFW Challenge #9: £999.00/£4,0003 -
Morning all, Happy Saturday,
£7.53 to my little loan as usual.PAYDBC24 #8 ~ £10188.213 -
Very wise words on that Quote @Keedie. There won’t be anything quite as inspirational from me next month, when I’m counter upper!£1 to debt for me please. The majority of my PADs are small but I know they all add up, so literally every penny counts. I was well over £20k into a tangle of balance transfers at one point. Seeing other like minded people paying things down is definitely an inspiration.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 52
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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 £25713 -
Morning all,
The total PAD for 16 September 2022 was £732.73
I'm really happy that you're all enjoying the quotes and the insights that they bring. I think pausing to reflect is really fundamental to progress. We are often too busy thinking of our next steps and what we are yet to achieve, that we do not fully acknowledge all that we have accomplished. So...
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 -
Back with my own PADs:
£5.12 to sealed pot challenge
£45 to energy fund
£100 to disability fund
Total of £150.12
Having a shift in mindset makes all the difference doesn't it @Deleted_User? I've found that shifting the date of my budget to the 1st of the month, instead of in line with pay day has helped me to not feel so excited about getting paid.
Sounds like you're right at the end @indijonesi which is so exciting, even if there is a little interest to pay, at least it'll be over soon and you can move onto your next goal.
Don't worry @antomac, I'm just being really extra with the quotes as I need something to cheer me up and cheer me on and so I'm just taking you all along for the ride 😂.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 -
Back with £5 I’ve managed to cash out from Prolific… sent it off to CC7
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 -
£1 a lonely pound today. I’f losing weight was as easy as losing weight.
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 -
Sorry- I meant, if only losing weight was as easy, I’d be delighted with a pound a day.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
![[Deleted User]](https://us-noi.v-cdn.net/6031891/uploads/defaultavatar/nFA7H6UNOO0N5.jpg)
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