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Payment A Day Chapter 18
Comments
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Morning All,
The total PAD for 14 December 2022 was £100.36
We're doing so well with our PADs considering that we're at the stereotypical most expensive time of the year and we're in a cost of living crisis too. So proud of you all. All this talk of new threads and chapters has made me realise that there are so many things tied in with having a fresh start, but the most important to note, is that...
So when we open a new challenge for 2023, we'll continue to be the great supportive group that we are, but we can also use it as an opportunity to draw a line in the sand if things have not gone as expected on this thread. As we approach a new era with renewed focus, may our mindset set our intentions and our PADding help us follow through...
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 -
Well said @Keedie!Life 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
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Here, here!!LittleMissDetermined said:Well said @Keedie!Debt Free - 04/03/23. Total LBM August 2021 £15410.70
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Great quote @Keedie. xMaking 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
.
Fiver Friday '25 #10 £15
Studies/surveys August £0
Decluttering items 756
Books read 13
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up3 -
£1 paid to CC3March 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/£20232 -
£13.24 for me today please.
I think thats a good idea Keedie.PAYDBC24 #8 ~ £10188.212 -
Another £1 sent to the DMP/F&F pot just now, due to Mr S sending me a refund from a substitute I sent back from my delivery.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
.
Fiver Friday '25 #10 £15
Studies/surveys August £0
Decluttering items 756
Books read 13
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up2 -
Evening!!
£17 to Virgin CC. Also budget reset day tomorrow as payday so £25 left over cash to 2nd EF, £11.52 change to penny challenge.
Shell xDebt Free - 04/03/23. Total LBM August 2021 £15410.70
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Morning! £2 send to CC7 this morning please
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 £25711
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