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Payment A Day Chapter 18

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  • Makingabobor2
    Makingabobor2 Posts: 4,220 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    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 £28,744....its going down

     Mortgage Free December 9th 2024!      18mths ahead of schedule.  Since 2022 we paid over £15K in OPs.

    Challenges

    EF #68  £550/£3000
    .

    Studies/surveys  August £7.48

    Decluttering items 771
    Books read    14
    Jigsaws done  8

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • Makingabobor2
    Makingabobor2 Posts: 4,220 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Love your quotes @Keedie and how exciting to be saving to go to Kenya. Good luck
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £28,744....its going down

     Mortgage Free December 9th 2024!      18mths ahead of schedule.  Since 2022 we paid over £15K in OPs.

    Challenges

    EF #68  £550/£3000
    .

    Studies/surveys  August £7.48

    Decluttering items 771
    Books read    14
    Jigsaws done  8

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • Keedie
    Keedie Posts: 2,854 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Combo Breaker
    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.
    Life Is Like A Camera Focus Capture And Develop - Lifehack
    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 22/50
  • Keedie
    Keedie Posts: 2,854 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Combo Breaker
    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 22/50
  • LittleMissDetermined
    LittleMissDetermined Posts: 9,654 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Photogenic
    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 x 
    Life gets in the way...PADding is addictive...Saving's better than spending...
    My savings diary - Now for a healthier, wealthier me
    2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £2571
  • AntoMac
    AntoMac Posts: 2,693 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper Combo Breaker
    £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 5
  • Keedie
    Keedie Posts: 2,854 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Combo Breaker
    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...
    Ending Quotes - BrainyQuote
    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 22/50
  • Makingabobor2
    Makingabobor2 Posts: 4,220 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    edited 8 December 2022 at 11:19AM
    £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 £28,744....its going down

     Mortgage Free December 9th 2024!      18mths ahead of schedule.  Since 2022 we paid over £15K in OPs.

    Challenges

    EF #68  £550/£3000
    .

    Studies/surveys  August £7.48

    Decluttering items 771
    Books read    14
    Jigsaws done  8

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • bekah89
    bekah89 Posts: 421 Forumite
    Third Anniversary 100 Posts Name Dropper
    £25 paid to CC
    March 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 14/02/23

    PAYDBXMAS23 #4 £1432.74/£4000
    Saving for Xmas 23 £30/£365
    4.94% £570.89/£107 
    make £2023 in 2023 #24 £71.24/£2023
  • Makingabobor2
    Makingabobor2 Posts: 4,220 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    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 £28,744....its going down

     Mortgage Free December 9th 2024!      18mths ahead of schedule.  Since 2022 we paid over £15K in OPs.

    Challenges

    EF #68  £550/£3000
    .

    Studies/surveys  August £7.48

    Decluttering items 771
    Books read    14
    Jigsaws done  8

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


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