Payment A Day Chapter 18

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  • Keedie
    Keedie Posts: 2,235 Forumite
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    Morning All,

    I hope that you're all doing well. I finally decided to get my head out of the sand and move some money around so that I could clear as much of my two overdrafts as possible, as the daily fee was a bit :eek:.

    So with a balance transfer to a 0% credit card, to buy me more time to get back into employment, my PAD offering today is a massive £1,400. I've managed to clear the smaller overdraft and cut the other one in half :j so I am feeling much better about things. It was getting me down too much.

    Have a good day everyone,
    xx
    Debt Free Diary:- The Mental Debt Struggle
    Debt Tracking Restart Take 3 from 01/05/2023 = £23,643.30 (8 creditors) So, on 02/04/2024 = £15,543.30/£23,643.30 (1 creditor) = 65.74% repaid Aiming to be Debt Free = 31/12/2025

    CREDITORS: Barclaycard (£6,066.23/£14,166.23) 42.82% repaid

    (Original Debt on 15/07/2016 was £33,056.76) 🙈
    2024 SAVINGS: Emergency Fund (£220.99/£1,000) 22.10% saved || #5 50 Envelope Challenge 6/50
    2024 CHALLENGES: #30 Debt Free by Xmas 2024 (£2,030/£6,750) 30.07% repaid
  • Chappie77
    Chappie77 Posts: 191 Forumite
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    Hi all!

    A PAD of £400 for me this week after having a good think about what I would like to achieve this year ;)

    £755/£1606.17

    Chappie x
    PAD - Barclayloan - £3078.32/£3758.32

    January 2022 Grocery Challenge - £600

    Saving for Christmas 2022 - #33 - £1 a day Challenge - £10/£365

    Virtual Sealed Pot Challenge 2022 - £8.55/£500
  • kirtsypoos
    kirtsypoos Posts: 3,824 Forumite
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    Afternoon all!

    £5 for me today please :)
    :j PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID :j LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid) :eek:
    Mortgage - £151.316.54 :eek:
  • erin_transport
    erin_transport Posts: 964 Forumite
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    Evening
    £35 O/P to mortgage
    Thanks
    On a mission!

    2018 & 2019 MFW #138

    On babystep2 (#DR)
  • Jo_Blogs
    Jo_Blogs Posts: 753 Forumite
    Debt-free and Proud! Mortgage-free Glee!
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    Good morning all :)
    Well one eveyone for all the PADs :T:T
    Keep up the great efforts. let's go,go,GO :D
    Saved Nitty Gritty £7440.75 [149%] / £5000-[Sep] £58.44:starmod: for the 'Save 12k in 2017' #157
    2017 Womble #35 £3463.27 ;)Sept NSDs 4/15:staradminCCCChl 9/12 months:D    Sept PPChl#002 Pts 71
  • mandz1
    mandz1 Posts: 2,548 Forumite
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    Friday 17th March total




    Amazing



    £2,066.49
    PAD Maker
  • sunshine81
    sunshine81 Posts: 1,485 Forumite
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    Sorry I've missed the last 2 days I got really caught up in matched betting Cheltenham! Well worth it though, as soon as that money hits my account it'll be a PAD and a great one! I hate waiting for money to clear...

    In the meantime I've looked at my credit cards and some promotional 0% deals are ending in the next 3 months, so I've done a balance transfer (to a card that offer 0% for 2 years with 0% fee) and now need to really focus on getting rid of the rest that's being charged interest.

    So today I've paid £17.70 to Tesco.
  • LittleMissDetermined
    LittleMissDetermined Posts: 8,072 Forumite
    First Anniversary Debt-free and Proud! Photogenic Name Dropper
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    Afternoon all

    £14.95 for me today please

    LMD xx
    Life gets in the way...PADding is addictive...Saving's better than spending...
    My savings diary - Now for a healthier, wealthier me
    2024 1p challenge #11 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2024 £2551.68 | EF £1000/£1000 | Sabbatical £970/£3000 | Holiday spends £540 | General Saver £2422.48
  • jet9cat
    jet9cat Posts: 1,657 Forumite
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    Some great PADs being made lately and, just as important, some clear decision making on what to do about debts. Sometimes you get in a bit of a rut just trying to deal with things and it's always good to take a step back and check you are doing the best you can, getting the best rates etc.


    For me survey money has ennabled me to make a payment of £25 to balance cc2 today please.
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear :D
  • erin_transport
    erin_transport Posts: 964 Forumite
    First Post First Anniversary
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    Evening
    £45 to S&S isa
    £20 to investment
    £65 total. Thanks.
    On a mission!

    2018 & 2019 MFW #138

    On babystep2 (#DR)
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