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Payment A Day Chapter 18
Comments
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Hiya everyone, the totals are looking great so far this month...
... and the total PAD for 21 July 2022 was £115.65
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 22/501 -
Back with my PADs of £32.87 to Sky Mobile, now repaid 10.24% of the handsets and £10 to the emergency fund.
I've now hit my £500 target for the emergency fund as I moved some money into that emergency fund from the 1p challenge as I've given up on that and will try again next year.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 work hitting your Emergency Fund target Keedie. Fingers crossed you don’t need to access the funds for a very long time.
My PAD today is my Sainsbury’s monthly DD of £2927/5/17 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 -
Morning folks,
PAD of £5 to CC2 please
x Debt Remaining: £8,781.53
3 Month EF: £1,000/£4,494
2025 MFW Challenge #9: £999.00/£4,0002 -
Thanks @AntoMac. I see the EF more of a back up in terms of loss of income as I have variable income each month, so it's there in case I lose an income stream. So fingers crossed it doesn't need to be touched and it's sitting in a locked Monzo pot earning a tiny bit of interest, but at least it's there. I don't feel so anxious about the future now.
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 22/501 -
Morning all, I hope you have a good day. We have a great overall total so far this month 😁.
The total for 22 July 2022 was £91.94
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 22/500 -
Morning all. £1 sent 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 #017EF £1000/£1000 | Sabbatical £4055/£60002 -
£2.33 PAD to debt xxx1
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£111 to children's clothes/uniform fund. Now fully topped up.
£150 to family wedding fund - now fully topped up.
Now I can get back to attacking debt x1 -
Added £70 to EF and £3.25 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 #017EF £1000/£1000 | Sabbatical £4055/£60001
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