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Third time's the charm...

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Comments

  • Hi @LittleMissDetermined, been seeing you on the PAD thread so thought I would subscribe to your diary & cheer you on as well as drawing inspiration from you, you are doing very well. Hope you have a good day.
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £28,524....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  Since 2022 we paid over £15K in OPs.

    Challenges

    EF #68  £570/£3000
    .

    Studies/surveys  August £14.50

    Decluttering items 777

    Books read    15
    Jigsaws done  8

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • Hi @LittleMissDetermined, been seeing you on the PAD thread so thought I would subscribe to your diary & cheer you on as well as drawing inspiration from you, you are doing very well. Hope you have a good day.

    Thanks so much for stopping by and subscribing to my diary, the more the merrier!  I feel like I have had a good week in terms of debt repayment and not spending so I'm in a positive place at the minute, we will see how long that lasts :D 
    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
  • Hi @LittleMissDetermined, been seeing you on the PAD thread so thought I would subscribe to your diary & cheer you on as well as drawing inspiration from you, you are doing very well. Hope you have a good day.

    Thanks so much for stopping by and subscribing to my diary, the more the merrier!  I feel like I have had a good week in terms of debt repayment and not spending so I'm in a positive place at the minute, we will see how long that lasts :D 
    LMD x
    It is amazing how all the challenges & people's support can make such a difference to how we feel. It really does help. 
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £28,524....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  Since 2022 we paid over £15K in OPs.

    Challenges

    EF #68  £570/£3000
    .

    Studies/surveys  August £14.50

    Decluttering items 777

    Books read    15
    Jigsaws done  8

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • Keedie
    Keedie Posts: 2,854 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Combo Breaker
    Keedie said:
    Wow that's a lot of surveys cashed in! I don't blame you for not bothering with Panelbase. I've almost given up, it takes an age to get to £10 to cash out and it's just ridiculous, as I screened out after investing a fair bit of time.

    You're doing so well with the credit card, and with your daily £1 PAD, you'll hit the £6,2500 and it's very impressive.
    Haha Keedie, you almost gave me a coronary after adding an extra zero to my debt :D:D:D

    Thanks though guys, it's been a good day today! 
    LMD x
    whoopsie! Dyslexia strikes again 😂
    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
  • Mliz
    Mliz Posts: 83 Forumite
    Part of the Furniture 10 Posts Combo Breaker
    Morning LMD - reading your diary (and others) is so motivational for me,  I’m off to join the PAD thread and do some surveys because of you 😊
    You need to be content with small steps. That’s all life is. Small steps that you take every day so when you look back down the road it all adds up and you know you covered some distance.
  • Mliz said:
    Morning LMD - reading your diary (and others) is so motivational for me,  I’m off to join the PAD thread and do some surveys because of you 😊

    Ah, I'm glad I can be of some help, good luck with the surveys and PADding (it's addictive). It's definitely paid-forward motivation as I got a lot of my inspiration in the same way from other diaries
    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
  • Happy Friday everyone, we made it to the end of the week! 

    Last night I completed a fair few Prolific studies and this morning I was able to cash out £9 so my PAD this morning was £10 to CC7 taking my balance to £6220.  I have also adjusted my spreadsheet and projected payments so that I should be able to be debt free by 27th June but I'm not formally changing my DFD something may get in the way (life!) 

    Today will be another NSD for me, ahead of a spendy afternoon and evening tomorrow. This will be my 15th of the month so I have reached my target and any more will be a bonus. 

    I am dreaming of the day I make my final payment and (aside from the mortgage) will be debt free! I've had balances on my credit cards for 23 years so it's been a long time coming!  I need less dreaming and more doing surveys etc :D 

    Busy day ahead at work and then housework and maybe a movie this evening. The weather is grim, even the dog doesn't want to go out.
    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
  • Good Morning LMD. Sorry to hear you have grim weather where you are, we have sunshine at the moment, although rain & even thunder forecast later. 
    Don't you just love Prolific? I really enjoy their studies. Glad you are doing well on it. I am waiting ona few to be approved to hopefully cash out later. 
    Love a good spread sheet as well....lol
    Have a good day. X
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £28,524....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  Since 2022 we paid over £15K in OPs.

    Challenges

    EF #68  £570/£3000
    .

    Studies/surveys  August £14.50

    Decluttering items 777

    Books read    15
    Jigsaws done  8

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • Don't you just love Prolific? I really enjoy their studies. 
    I find most of them really fun to complete, I've even had a few which were games.
    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
  • My favourite one was having to talk to an AI...lol
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £28,524....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  Since 2022 we paid over £15K in OPs.

    Challenges

    EF #68  £570/£3000
    .

    Studies/surveys  August £14.50

    Decluttering items 777

    Books read    15
    Jigsaws done  8

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


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