We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!
Payment A Day Chapter 18
Comments
-
Just £1 today to the DMP/F&F pot.
I have actually put a bit towards mortgage overpayments but wont declare that till I physically pay it to the mortgage company.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 13982025
Books read 23
Jigsaws done 19
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up1 -
Love your quotes @Keedie and how exciting to be saving to go to Kenya. Good luckMaking 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 13982025
Books read 23
Jigsaws done 19
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up1 -
Evening all,
The total PAD for 6 December 2022 was £65.70
Work is really hectic so my days are very long, hence the late tallying up. I'll try and get today's total sent out in the morning.
I've been thinking a lot lately about life experiences and how they shape us, and I stumbled upon this and it summed everything I was trying to put into words/thoughts so thought you may find it helpful 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 22/502 -
Thanks @AntoMac and @LittleMissDetermined. I'm very excited to go on holiday, and I don't really plan on taking my son either 🤫. So it'll be something for myself...
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 22/501 -
Morning PADders! Today's PAD is £11 to CC7 made from £9 from Pinecone, £1 from WeAre8 on top of my basic daily quid
Have a great day all, fab quote again @Keedie!
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 #017EF £1000/£1000 | Sabbatical £4055/£60001 -
£8 PAD to debt 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 -
Morning all,
The total PAD for 7 December 2022 was £172.78
If you ever feel like giving up because everything is stacked against you, or things didn't turn out as you had hoped, always remember...
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 -
£24 today, shared between
EF
Boiler service & Insurances
Christmas/ Birthdays '23
Dentist/Optician/Prescription pot.
Hoping there might be more later, as waiting on some cash outs from survey sites
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 13982025
Books read 23
Jigsaws done 19
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up3 -
£25 paid to CCMarch NSD 14/15
Debt £9607.54/£11296.89
CC2:£2274.64/£2299.36 CC3: £1848/£1924.91 CC4:£25/£978.50 CC5: £1155/£1331.24 CC6: £3754.90/£4191.09 CC7: £550/£607.39
CC1: paid off 14/02/23PAYDBXMAS23 #4 £1432.74/£4000
Saving for Xmas 23 £30/£365
4.94% £570.89/£107
make £2023 in 2023 #24 £71.24/£20233 -
Back again with another £10 sent to mortgage overpayments. Thanks to deciding to sign up for a free trial of Amazon Prime when ordering a Christmas present. So I put the £4.99 I saved on delivery and added it to the amount already in the pot to send to mortgage company.
I can't believe how motivating these challenges are.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 13982025
Books read 23
Jigsaws done 19
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up3
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.9K Banking & Borrowing
- 253.9K Reduce Debt & Boost Income
- 454.7K Spending & Discounts
- 246K Work, Benefits & Business
- 602.1K Mortgages, Homes & Bills
- 177.8K Life & Family
- 259.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards