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Payment A Day Chapter 18
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£15 PAD today, £7 to EF and £8 to loan pot
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It definitely resonates with me!AntoMac said: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!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 £5678 | EF £1000/£1000 | Sabbatical £3188/£6000 | Travel savings £1924 | Sinking pots £21261 -
Morning all!
£3.43 for me today to the loan. I'm going to tackle that first as the CC is on 0% or is it best to tackle the smaller balances first?
CheersPlan to PAD Everyday 2024Credit Card - £3662.99 (int free to 11/11/25) -PAD TotalsJan 2024 -1 -
£5 to CC7 for me today 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 £5678 | EF £1000/£1000 | Sabbatical £3188/£6000 | Travel savings £1924 | Sinking pots £21261 -
I think if it were me I would be focussing first on what was being charged interest @rsdiscosrsdiscos said:Morning all!
£3.43 for me today to the loan. I'm going to tackle that first as the CC is on 0% or is it best to tackle the smaller balances first?
Cheers27/5/17 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 53 -
£44 today, which is
£10 Mortgage overpayment
£10 EF
£20 Dentist/Optician pot
£2 Christmas/Birthdays '23
£2 Boiler service/annual insurancesMaking 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 £500/£3000
.
Fiver Friday '25 #10 £15
Studies/surveys July £79.31
Decluttering items 755
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-up2 -
It is a great quote isn't it @AntoMac and @LittleMissDetermined and it definitely resonates with me too!
I agree with AntoMac @rsdiscos, I would look at whatever is charging you interest and focus on/keep an eye on that. But if one of your debts is small enough to knock off really quickly without you paying lots of interest on another larger debt, and you want the easy win to spur you on, then by all means clear a low balanced debt first. As long as the satisfaction of getting rid of the smaller balance debt isn't overshadowed by the increase in another balance due to interest being charged. If that makes sense?
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 -
£1.35 paid to CC1 todayMarch 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 -
£2 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 53
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