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Third time's the charm...

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  • Don't forget to keep some spends back for yourself to treat yourself as well. 
  • Don't forget to keep some spends back for yourself to treat yourself as well. 
    I have enough left in the spends account to see me through to pay day next Tuesday.  Plus this gives me £20 in the Amazon account for treats. I might save them up for a new video game ☺️
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £2571
  • Just cashed £6 from Prolific so that’s gone off to CC7 too. 
    £33 PADded today, £32 of which was “free money” not bad at all 😊
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £2571
  • Sun_Addict
    Sun_Addict Posts: 24,099 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done 👏 Have you kept a track of how much “free money” has gone towards the debt? A fair bit I would imagine. 
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Well done 👏 Have you kept a track of how much “free money” has gone towards the debt? A fair bit I would imagine. 
    I have only been tracking the Prolific to be honest, because up to now the vouchers have just been spent and I’ve not been replacing the amount with debt payments. I could probably work it out but it would take me a fair while haha
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £2571
  • Keedie
    Keedie Posts: 2,854 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Combo Breaker
    Wow you really are on a roll! Well done you.

    I hope you're feeling better? I'm still catching up with myself and diaries properly, so I hope you're managing to rest. I get tired so easily all the time and my best advice to dealing with it, is to think of energy in terms of battery power. When you're ill, you start around 70/80% power at times, and so you have to measure how much it's worth doing certain activities, as they all cost you energy bars and when you're sick, it's twice as draining. If you think of resting as like being on a docking station for you to recharge and increase your battery level - that's how you get better. But trying to work, which might take normally 30% of your energy is now taking closer to 60%, you learn to cut out activities or find different ways to manage so that you preserve your battery more.
    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 22/50
  • Thanks @Keedie that really is a good way of looking at it :) 

    In stark contrast to yesterday, today's offering to CC7 is the standard £1 and I am heading into work today so it won't be a NSD as I will be buying lunch with a colleague later. 

    6 days to pay day... definitely counting down now!!

    LMD x
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £2571
  • Goooood morning :) I hope everyone is enjoying the short week and the fact that it's almost Friday!  No sunshine here today but it's not raining and I'm taking that as a positive. 

    PADs made today of £1 to CC7 and £4 spends account round down to sealed pot. I'm hoping for some more Prolific studies today, I already have £7+ pending but sometimes it takes a while to be approved.  At the rate the studies and daily PADding are going I may even be able to shave another month off the debt free date! 

    Nothing else to report. I have 5 days left until pay day and the budget says I have £30 a day available to spend! I won't need this on any of the days so there should be some to pop in the EF on pay day eve. Today is another NSD for me.  I spent a grand total of £5.98 in the subsidised canteen at the office yesterday so that didn't break the bank. Probably cost 3x that in fuel to get there and back *rolls eyes*

    Anyway, that's my update. I am counting down the days to all sorts (including Christmas haha) 307 days to debt free date, 5 days to pay day, 35 days to opening up the sealed pot for 2022. All very exciting. 

    Catch you all later 
    LMD x
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £2571
  • Wow that's amazing progress with Prolific. Imagine being able to shave off another month all because of what you earn off that site! Incredible! Oooh how lovely to potentially be able to whack another £150 into the EF come payday eve. x
    Debt Remaining: £8,781.53
    3 Month EF: £1,000/£4,494
    2025 MFW Challenge #9: £999.00/£4,000
  • AntoMac
    AntoMac Posts: 2,717 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper Combo Breaker
    You’re doing brilliantly LMD, seems like you have unstoppable momentum now
    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 5
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