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Payment A Day Chapter 18
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Back with £3.92 to the sealed pot
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 £25713 -
£1.95 for me today please.PAYDBC24 #8 ~ £10188.212
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Evening all,
The total PAD for 20 December 2022 was £1,333.05
Sorry it's so late, the last couple of days have been very hectic! And with all that stress it really made me think there has to be a better way, and this quote sums it up nicely.
So I think 2023 should definitely be focused on nurturing our passions where possible and minimising our stresses...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 -
Another great quote 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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Thanks @LittleMissDetermined. That one has also been printed and put up on my bedside wall so that I can see it in the morning when I get up and before I go to bed. I definitely need to hustle differently...
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 22/503 -
Great quote.
£4 pad made towards the loan pot. Awaiting payment on two sales and some expenses, will send them over when they arrive.
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Morning, £8 sent to CC7 today
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 £25713 -
Afternoon all,
The total PAD for 21 December 2022 was £286.44
I can't believe it's Christmas on Sunday and then next week Saturday 2022 is over 😱!
It got me thinking about 2023 and the new year in general being an opportunity to write a new chapter. And whilst I was unable to sleep properly last night, I watched some really good videos on YouTube (as you do when 'trying' to sleep) and one of them was about physically and mentally decluttering so that you don't take baggage from 2022 into 2023. And that made me think about how to actually start afresh (knowing that I ain't going to declutter everything in a week and I realised it was about the mindset of where my focus is. Therefore, this sums it up nicely...
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 22/505 -
I definitly plan to use 2023 as a time to declutter my life, think we could all do with a little bit less baggage in whatever form that takes whether material things or not.
Todays pad £1.52 cash back from Ch@se account into Pad pot.*Dad loan - £5300 - £7200
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£400
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £840
*Total debt - £8440/£11641.17*
Savings
*Savings Buffer - £1000/£1500
*Emergency Fund - £1010/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/6 -
Morning £30 to cc1
tganksOn a mission!
2018 & 2019 MFW #138
On babystep2 (#DR)4
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