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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Yes, that's ok @AntoMac, I'll add it on every month.AntoMac said: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.
Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £27,204....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule.Challenges
EF £1360/£3000
.
Studies/surveys Feb....£78.31
Decluttering items 1402/2025. 96/2026
Books read 23 in 2025. 2026- 6 (target is 52)
Jigsaws done 20 in 2025. 2 this year.
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up3 -
Morning all, another week is flying by!
£22.16 for me today, refund from Natwest so going straight to my loan.PAYDBC24 #8 ~ £10188.214 -
£11 to debt
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 53 -
Hi
£22 to cc1
thanksOn a mission!
2018 & 2019 MFW #138
On babystep2 (#DR)4 -
Good morning! £10 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 me2026 1p challenge #7 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £4220/£60004 -
No PADs for me so far today. Made a few ££, but used it to buy a couple of Christmas presents for GK's (2nd hand & cheap though)Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £27,204....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule.Challenges
EF £1360/£3000
.
Studies/surveys Feb....£78.31
Decluttering items 1402/2025. 96/2026
Books read 23 in 2025. 2026- 6 (target is 52)
Jigsaws done 20 in 2025. 2 this year.
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up3 -
£16.53 off Tesco please!
5 -
Debt Free Diary:- The Mental Debt Struggle
(Original Debt on 15/07/2016 was £33,056.76) 🙈 but Debt Free on 09/02/2025 🎉
Career Loan £175/£3,000 (5.83% repaid)3 -
PAD total £125.91 for 10 November 2227/5/17 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 53
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Morning! £6 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 me2026 1p challenge #7 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £4220/£60004
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