We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
The MSE Forum Team would like to wish you all a Merry Christmas. However, we know this time of year can be difficult for some. If you're struggling during the festive period, here's a list of organisations that might be able to help
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!
Payment A Day Chapter 18
Comments
-
Yep exactly!LittleMissDetermined said:
Small but mighty! It all adds up as we saw from May's huge totaljadewest94 said:5th June PAD was £2.27
I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
Debt owed;*update pending as I've no idea*
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #
Pay off all your debts by Christmas 2026! #141 -
CC2 statement has been generated so I'm adding another payment of £190 to CC2.
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 #017EF £1000/£1000 | Sabbatical £4055/£60001 -
£50 to card 2 today.
Tesco 4163.90 (-86.00 since 01/01/23)First Direct 2437.49 (-153.09 since 01/01/23)Halifax 2391.37 (-55.70 since 01/01/23)MBNA 1577.00 (-78.00 since 01/01/23)Virgin 786.66 (-25.00 since 01/01/23)Overdraft 500.00 (-0 since 01/01/23)Spending CC 4538.34 (+521.24 since 10/01/23)1 -
£120 to Barclay card today Bank Loan 8839/3761.16 Barclaycard4500/£1949.33 Overdraft 2000 /0
Littlewoods 7000/107.68
July NSDs 14/151 -
Morning! I can’t seem to sleep
. Early morning bank round down for me to CC1 of £4.88
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 #017EF £1000/£1000 | Sabbatical £4055/£60000 -
£9 to Marbles for me today
On the long journey to debt freedom...here we go....
Credit cards:
Natwest card - now closed was £500 balance
Tesco credit card £1878.89/3300
Husband Bcard £4100/9400 - 0%
Sainsburys cc £4839/6000 -0%
My bcard £5215/8000
Halifax CC £6588/8000 -0%
MBNA CC £9150/12000 -0%
Loans:
Natwest Loan £14167 - ends sept 26
Old car loan £1897 - ends May 24
Consolidation loan - £6020 ends oct 26
Tax bill -57 ends next month
Student loan about 5k ends Mar 240 -
June 7th PAD was a nice £377.31 I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
Debt owed;*update pending as I've no idea*
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #
Pay off all your debts by Christmas 2026! #140 -
£1 to card 5 today.Tesco 4163.90 (-86.00 since 01/01/23)First Direct 2437.49 (-153.09 since 01/01/23)Halifax 2391.37 (-55.70 since 01/01/23)MBNA 1577.00 (-78.00 since 01/01/23)Virgin 786.66 (-25.00 since 01/01/23)Overdraft 500.00 (-0 since 01/01/23)Spending CC 4538.34 (+521.24 since 10/01/23)0
-
8th June was £14.88I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
Debt owed;*update pending as I've no idea*
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #
Pay off all your debts by Christmas 2026! #140 -
£81 for me please
vanquis £630/£3019 Robinson way £1207.41/1682.41
hsbc £11749
Declutter 2021 6/52
Pad 2021 £1318.000
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.9K Banking & Borrowing
- 253.9K Reduce Debt & Boost Income
- 454.7K Spending & Discounts
- 246K Work, Benefits & Business
- 602.1K Mortgages, Homes & Bills
- 177.8K Life & Family
- 259.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards