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Payment A Day Chapter 18
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£1 to Christmas/Birthdays '23 pot
£1 to F&F debt pot
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 £450/£3000
.
Fiver Friday '25 #10 £15
Studies/surveys July £72.46
Decluttering items 750
Books read 12
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up3 -
£6.12 for me today to my loan.PAYDBC24 #8 ~ £10188.213
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Evening everyone!
Is it possible to rejoin this challenge please? I need the motivation to chip away at a few things and also build up a bit of savings.
I've padded £9.61 to the loan today.
CheersPlan to PAD Everyday 2024Credit Card - £3662.99 (int free to 11/11/25) -PAD TotalsJan 2024 -3 -
It most definitely is @rsdiscos
@Keedie has set up a brand new 2023 thread for us to post on in the new year.
Welcome along27/5/17 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 54 -
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 -
£1.97 for me today please.PAYDBC24 #8 ~ £10188.212
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£22 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 51 -
Morning all,
The total PAD for 28 December 2022 was £661.48
If you're ever feeling like nothing much is changing, or you have such a long way to go on your journey, just remember that you're still moving forward, even if it doesn't feel like it, and that...
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 -
Back with my own PADs:
£69.27 to MBNA
£4.58 to Barclaycard
Total of £73.85
The lack of a rounded balance on Barclaycard has been bothering me for months! 🤦🏾♀️ and the payment to MBNA helps to take the overall balance down to a rounded number to finish off the year, so I'm happy with that 🤗.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 -
That’s a great quote Keedie. One I think I can relate to. I hope you can relate to it too.
I too don’t like unrounded balances, or balances ending in 13!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
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