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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£50 to mortgage please
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 -
IndiJonesi said: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 x
Yes, very worrying. There are going to be a lot of people who this is going to send over the edge.
We've got a fixed until August 2025 at 1.79, but we have a Help To Buy loan as well. So as soon as I can clear my debts, I hope I've learned enough lessons to continue to clearing those off.
Well done again!3 -
Morning,
£1 PAD as usual to CC2 pleasex
Debt Remaining: £8,781.53
3 Month EF: £1,000/£4,494
2025 MFW Challenge #9: £999.00/£4,0003 -
Good morning
£11.41 for me today please, including the £1 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 £25713 -
Morning
£74 PAD to Sainsburys CC and £1.31 save the change to Lloyds CC (Total £75.31)
Shell x
Debt Free - 04/03/23. Total LBM August 2021 £15410.70
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£1 to debt x4
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Morning all,
The total PAD for 27 September 2022 was an AMAZING £3,097.05!
Thanks @LittleMissDetermined and @Doily94 for your big PADs yesterday boosting the total, and to everyone else who pushed our total over £3,000. As my late dad would say, "every mickle makes a muckle" (Jamaican for look after the pennies and the pound will look after themselves/every penny counts).
We learn a lot from these forums, but ultimately we learn a lot from our journeys, and it's okay to fail at something or need to take a different path or approach if things have gone wrong, as...
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 again with further PADS
EF - £10 and £3.40 penny challenge - Total £13.40
This is what is left from my weekly cash budget mainly from my Fuel cash envelope.
Debt Free - 04/03/23. Total LBM August 2021 £15410.70
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My PAD is £55.57 to my Barclaycard, and that's bringing my balance closer to the £9,000 mark. I'll be in the £8,000s for that card once next month's direct debit comes off too.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 -
Hi
a nice chunky £200 to cc2 for me today.ThanksOn a mission!
2018 & 2019 MFW #138
On babystep2 (#DR)3
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