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Payment A Day - Chapter 2023

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Comments

  • Jrcoal5
    Jrcoal5 Posts: 647 Forumite
    Fourth Anniversary 500 Posts Name Dropper
    pay day Yey! 
    My PAD is £1330 which is shared out to the following:
    £200 to the account we have for vets, cars, unexpected costs
    £300 to holiday account
    £830 paid off the sofa and this is now PAID so only 2 credits cards remain 😃

    Pay off debt by Xmas 2023 #23
    paid £7112/£7800-**DEBT FREE April 2024**

    My debt free diary https://forums.moneysavingexpert.com/discussion/6436651/clearing-my-debt-after-25-years#latest

    £9400 saved for emergency fund 

  • Keedie
    Keedie Posts: 2,856 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Combo Breaker
    Welcome back @IndiJonesi! This is a great challenge and community to stay accountable and keep pushing through.

    Thanks @Doily94, your counting next month is much appreciated.

    Fantastic achievement @Jrcoal5! You must feel so good knowing that the sofa is all paid off. 

    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
  • Jrcoal5
    Jrcoal5 Posts: 647 Forumite
    Fourth Anniversary 500 Posts Name Dropper
    @keedie honestly feels brilliant! I’ll be glad to see the back of the cards next but one step at a time and take the wins where we can xx 
    Pay off debt by Xmas 2023 #23
    paid £7112/£7800-**DEBT FREE April 2024**

    My debt free diary https://forums.moneysavingexpert.com/discussion/6436651/clearing-my-debt-after-25-years#latest

    £9400 saved for emergency fund 

  • AntoMac
    AntoMac Posts: 2,740 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper Combo Breaker
    edited 31 May 2023 at 10:03PM
    Yes a great feeling now the sofa is 100% your own now @Jrcoal5
    All that extra money you will have from next month that won’t be going to pay for it
    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
  • Jrcoal5
    Jrcoal5 Posts: 647 Forumite
    Fourth Anniversary 500 Posts Name Dropper
    @AntoMac thank you! Now concentrating on CC 2 which is the biggest at £2918 I know most people say to pay the smaller debts first but this one has a high monthly payment and I’d like rid of that before we move and take the bigger mortgage on so my PAD today are 
    £200 which is £100 to holidays and £100 to CC 2 have a great day everyone x
    Pay off debt by Xmas 2023 #23
    paid £7112/£7800-**DEBT FREE April 2024**

    My debt free diary https://forums.moneysavingexpert.com/discussion/6436651/clearing-my-debt-after-25-years#latest

    £9400 saved for emergency fund 

  • Jrcoal5
    Jrcoal5 Posts: 647 Forumite
    Fourth Anniversary 500 Posts Name Dropper
    £2015.15 

    the total for 31st May 

    I’ll be back shortly with the total for May 😄
    Pay off debt by Xmas 2023 #23
    paid £7112/£7800-**DEBT FREE April 2024**

    My debt free diary https://forums.moneysavingexpert.com/discussion/6436651/clearing-my-debt-after-25-years#latest

    £9400 saved for emergency fund 

  • Jrcoal5
    Jrcoal5 Posts: 647 Forumite
    Fourth Anniversary 500 Posts Name Dropper
    £347 also today as my mortgage has been paid x
    Pay off debt by Xmas 2023 #23
    paid £7112/£7800-**DEBT FREE April 2024**

    My debt free diary https://forums.moneysavingexpert.com/discussion/6436651/clearing-my-debt-after-25-years#latest

    £9400 saved for emergency fund 

  • Morning all, first of the month means bills are paid so £1082.67 to various places 
    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
  • Keedie
    Keedie Posts: 2,856 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Combo Breaker
    Morning everyone,

    £100 to the emergency fund
    £25 to the Freely Debt Saving pot
    £26 to the Great British Summer pot

    £151 total
    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
  • Sallyforth
    Sallyforth Posts: 601 Forumite
    Part of the Furniture 500 Posts Name Dropper Photogenic
    Where on earth did May disappear to?!!  I've made a £25 PAD to EF today from various bits of interest on accounts and a Prolific payout.  Happy June all.
    SF x
    Tilly Tidying and
    PADing in 2024 £250.62
    ___________________________________________________________________________________________

    RIP Mum & Dad - thanks for helping me on my journey to be
    Debt and Mortgage free from 2018

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