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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Well today is the normal day for the DMP monthly DD's, which is £28.41, but I'm not sure I should count that as a proper PAD as its a normal DD and not something I'm trying to do extra.
So proper PAD today is £5 to the DMP/F&F pot, these are for when I have enough to be able to try and make them an offer, they keep sending us offers that we haven't been able to accept so far, but if I keep saving, one day I will.
I am also making small deposits into savings pots as seen in my signature, for EF and Christmas '23, but as I declare them on a different challenge, again I don't really see them as a PAD. My PADs are all about the debt busting!
Half way through next year, my pension will kick in and that should make a big difference to everything. I won't be giving up my surveys & selling off my rubbish though.Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £27,644....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule.Challenges
EF #68 £1000/£3000
.
Studies/surveys December £86.68
Decluttering items 1402/2025
Books read 23
Jigsaws done 20
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up4 -
You can certainly count your payments to the DMP @Makingabobor2. I count my regular direct debits to pay off my cards or loans. It's a debt payment after all. I also count the money I set aside for sinking funds to manage things like Christmas, birthdays, car maintenance etc, which prevents me from relying on credit or having to borrow to meet these obligations, so I wouldn't worry about what does and does not count, as we're all on our personal journeys.
£8 to PAD Pot
£5 to emergency fund
£13 total
Debt Free Diary:- The Mental Debt Struggle
(Original Debt on 15/07/2016 was £33,056.76) 🙈 but Debt Free on 09/02/2025 🎉2 -
Absolutely agree! You're doing great @Makingabobor2 Count it all!!!Keedie said:You can certainly count your payments to the DMP @Makingabobor2. I count my regular direct debits to pay off my cards or loans. It's a debt payment after all. I also count the money I set aside for sinking funds to manage things like Christmas, birthdays, car maintenance etc, which prevents me from relying on credit or having to borrow to meet these obligations, so I wouldn't worry about what does and does not count, as we're all on our personal journeys.
£8 to PAD Pot
£5 to emergency fund
£13 total
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)3 -
Back with £4 survey cash out, I've sent that 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 #7 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £4055/£60001 -
A payment is a paymet, count it all!
£3.50 for me todayPAYDBC24 #8 ~ £10188.212 -
Finally able to cash out £6 from Prolific and sent it 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 #7 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £4055/£60002 -
£50 to debt x2
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PAD total for 9 November 22 is £6627/5/17 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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You count your PADs in whatever way suits you @Makingabobor2
I’ll count you as the full amount of £33.41 when I total up today if that’s ok by you?As @Keedie says, we are all on our own journeys so there’s specific no right or wrong way to count our PADs. Hope you are having the most wonderful break Keedie.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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