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20K to Debt Free by June - Finally Debt Free 27/06/23

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  • LeeXenon
    LeeXenon Posts: 249 Forumite
    Fourth Anniversary 100 Posts Debt-free and Proud! Name Dropper
    Afternoon all!
    No updates for a while and this is because I haven't made any more PAD's nor have there been any significant changes in finances worth reporting on. Powering through another week at work, still completely nicotine free so battling cravings here and there (But still getting through successfully!).

    May review things at the end of the working week and consider making an additional payment. :)

    Happy Easter to all.

    £30,022.05 debt - Completed it mate! Debt Free 27th June 2023 | Diary

  • LeeXenon
    LeeXenon Posts: 249 Forumite
    Fourth Anniversary 100 Posts Debt-free and Proud! Name Dropper
    Afternoon everyone!

    PAD of £5.00 to CC1.

    £30,022.05 debt - Completed it mate! Debt Free 27th June 2023 | Diary

  • LeeXenon said:

    Halifax did a thing, PAD of £125 to CC1.
    Oh was that an account switching incentive?  Just read your diary from start to finish - you're doing awesome work, well done!  BiB x 
    DF :grin:
  • LeeXenon
    LeeXenon Posts: 249 Forumite
    Fourth Anniversary 100 Posts Debt-free and Proud! Name Dropper
    LeeXenon said:

    Halifax did a thing, PAD of £125 to CC1.
    Oh was that an account switching incentive?  Just read your diary from start to finish - you're doing awesome work, well done!  BiB x 
    Thank you very much for the praise, and yes it was! Halifax were paying £175 recently, although I think they may have stopped now. Currently trying to do RBS. :)

    £30,022.05 debt - Completed it mate! Debt Free 27th June 2023 | Diary

  • LeeXenon
    LeeXenon Posts: 249 Forumite
    Fourth Anniversary 100 Posts Debt-free and Proud! Name Dropper
    No payments today just a little bit of a rant, was expecting £50 from TCB for a bank sign up and they're adamant they're not the referrer. I know for a fact they are, but they won't pay out. Still in the process of contesting it, starting to lose faith in TCB.

    £30,022.05 debt - Completed it mate! Debt Free 27th June 2023 | Diary

  • I remember contesting one once that didn’t get paid and it was so much hassle and took so long that when another went wrong I just gave up.

    Don’t really use TCB much anymore. Probably due to that.

    Good luck with yours!
    LMDx

    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 £5678 | EF £1000/£1000 | Sabbatical £3188/£6000 | Travel savings £1924 | Sinking pots £2126
  • LeeXenon
    LeeXenon Posts: 249 Forumite
    Fourth Anniversary 100 Posts Debt-free and Proud! Name Dropper
    Good afternoon all,
    PAD of £5.00 to CC1 today.

    £30,022.05 debt - Completed it mate! Debt Free 27th June 2023 | Diary

  • LeeXenon
    LeeXenon Posts: 249 Forumite
    Fourth Anniversary 100 Posts Debt-free and Proud! Name Dropper
    PAD of £10.00 to CC1 - Getting closer little by little ....

    £30,022.05 debt - Completed it mate! Debt Free 27th June 2023 | Diary

  • PADding has definitely made a difference, almost £900 extra in a year is good going! 
    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 £5678 | EF £1000/£1000 | Sabbatical £3188/£6000 | Travel savings £1924 | Sinking pots £2126
  • i've just popped on to say have read your diary from the start - just have to say, well done. Your consistency for sticking with it is so admirable, and you have done such good things for yourself & your family by tackling this. Especially as having to be "sensible" and 'adult' is rarely something you can get other people to be excited about for support in the real world  ( I reckon it's why these forums & diaries are such positive things.) so keeping yourself motivated is a big deal.
     wave of a set of pom poms here, keep going  :)
    #33 in 2025's 365x1p challenge - assigning amounts randomly on a daily basis

    #23 in make2025in2025
    January's total :£34.93  (1.72%. Le sigh....)
    February's total : £57.12 (2.82%)
    March's total = £123.81 (6.11%)
    April's total = £193.74 (9.56%)
    May's total =£276.40 (13.6%)
    June's total = £277.93 (13.7%)
    July's total = £

    2024  = 365x1p challenge #10 final tally £668.10  

    i apologise now, i can't type.
    Or, my keyboard skills cant keep up with my brain.


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