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Payment A Day Chapter 18
Comments
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Afternoon all, hope you have all had a great start to the week.
£84.65 for me today please, to my little loan.PAYDBC24 #8 ~ £10188.213 -
My PADs are:
£50 to MBNA
£5 to energy bills pot
£6.80 to PAD pot
£10 to birthdays pot
£5 to emergency fund
Total PAD = £76.80Debt 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 -
Just cashed £6 from Prolific. Sent 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 £6991 | EF £1000/£1000 | Sabbatical £3530/£6000 | Travel savings £1828 | Sinking pots £28274 -
£15 to debt x4
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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 £6991 | EF £1000/£1000 | Sabbatical £3530/£6000 | Travel savings £1828 | Sinking pots £28274 -
Morning,
Another £1 to the CC2 pot for me please
Hoping to add £47.80 to this pot later too once a cheque clears for a WFH claim Debt Remaining: £8,781.53
3 Month EF: £1,000/£4,494
2025 MFW Challenge #9: £999.00/£4,0003 -
Morning, £5 to NW for me please. Thanks, Indi x3
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Morning all,
The total PAD for 20 September 2022 was a whopping £1,184.28!
We are doing an amazing job everyone 😁, and thanks to @shell16 for boosting yesterday's total, and well done on nearing the end of your loan, and @Tiddlyteddy for clearing your credit card. Aside from that mind blowing total last month, what we have PADded so far this month, exceeds every month's total this year - sometimes twice over!
We've achieved a lot this year on this thread, and we have a great journey ahead of us. As you can see, it all adds up and it's not easy, but by focussing on one target at a time, it all comes together. We may have some big financial hurdles to overcome, before we are where we want to be, but don't focus on them now, just keeping moving forward, as I believe we should...
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 22/506 -
Morning
Great totals!My pad today is
£2 cc1
£2 cc2 £4 my total pads today
thanksOn a mission!
2018 & 2019 MFW #138
On babystep2 (#DR)4 -
£5.61 off the cc. We have a decorator coming in October so have had to put some money aside for that. Otherwise would have cleared the big credit card. Have found that the stopping smoking and a Costco stock up have completely stopped the little shops that actually added about £300 to our monthly spend. You know, the naan breads that you need, the pastries that would be fab on a Sunday morning and that bar of fruit and nut for an Autumn evening , oops, they only have the family sized one! Anyway, that has all stopped and for the first time, I have funds in separate accounts for Christmas and holidays/ days out for 2023. Feels really good.
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 £485.393
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