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Payment A Day Chapter 18
Comments
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Morning, £5 to NW for me please. My credit cards are now all paid off and one is in credit by £55 as I had previiously paid a lump sum and they also took the monthly direct debit. The mortgage is my focus now and I'm on a fixed rate of 1.59% till March 2025. I had a look at deals currently available just to see if it would be worthwhile paying a charge to move on to another fixed term deal and everything was over 5%. Everything is getting really tight now which is a worry.
The PAD's here are quite something @LittleMissDetermined and @keedie and @cmd79 with your hundreds to the thieves of bootle 😀
Indi x6 -
Well done @IndiJonesi, no credit debt is a huge achievement!
My PAD today is £60 to Sainsburys CC, this is a combination of my train travel/car parking for tomorrow as I'm currently coughing away and unable to go into work if I display any symptoms of covid, and some expenses which have been repaid following use of my own car for business purposes.
Thanks
Shell x
Debt Free - 04/03/23. Total LBM August 2021 £15410.70
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£1 to debt xxx2
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£10 to mortgage overpayments today....its coming down, mainly due to spending so much time doing surveys lately.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
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Studies/surveys August £14.50
Decluttering items 777
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-up4 -
Congratulations @IndiJonesi on paying off the credit cards AND having credit to reclaim. I don't know much about mortgages as I'll never afford to have one, but it sounds like it's a good thing that you've fixed for the next couple of years at a lower rate. I can imagine with all of these changes with the pounds value, and inflation talk that it's scary now to have a mortgage in terms of being able to budget etc.
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 22/502 -
£14.38 overpayment to my little loan and £309.95 monthly payment to my big loanPAYDBC24 #8 ~ £10188.213
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Back again and useless for posting as ever! But £5 into savings from prolific!I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
Debt owed;Salad Money - £616.47/£1200 JAJA - £679.70/ £900 Zable - £338.60/£1300 = £1,634.77
Time to start a fresh. — MoneySavingExpert Forum
Time to start a Fresh part 2, 2022! — MoneySavingExpert Forum
New fresh diary for 2023! — MoneySavingExpert Forum
https://forums.moneysavingexpert.com/discussion/6494873/fresh-diary-for-2024#latest
https://forums.moneysavingexpert.com/discussion/6577209/fresh-diary-for-2025/p1?new=15 -
Oh also I only have the £695 to pay on my debt!
also vanquis owe me £19.95 as I over paid them when I was in a payment plan with themI’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
Debt owed;Salad Money - £616.47/£1200 JAJA - £679.70/ £900 Zable - £338.60/£1300 = £1,634.77
Time to start a fresh. — MoneySavingExpert Forum
Time to start a Fresh part 2, 2022! — MoneySavingExpert Forum
New fresh diary for 2023! — MoneySavingExpert Forum
https://forums.moneysavingexpert.com/discussion/6494873/fresh-diary-for-2024#latest
https://forums.moneysavingexpert.com/discussion/6577209/fresh-diary-for-2025/p1?new=14 -
BlueJ94 said:Oh also I only have the £695 to pay on my debt!
That's great! Keep goingDebt 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 -
£66.56 DD to debt
44p to debt = £67 PAD3
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