Payment A Day - Chapter 2023

sams247

I'd like to join in please.  I tend to make an effort to do this as and when so it'll be nice to get some discipline back into it.

Taking_back_control

Could I join in this year too please? 

Sallyforth

Please may I join? I’ll have been lurking around the MSE forum for 10 years soon so about time I got more involved.  Having cleared massive debt between 2012 and 2017 then paying off our mortgage in 2018 I’m in the very fortunate position to start saving at last.

I aim to PAD every day and then move the money to my £1 a day challenge monthly. Hoping to hit £1k by Christmas 2023.

PS How do I add stuff below my posts to reflect progress etc?

SF

Keedie

Oooh I'm so excited that new people are joining us 🤗 and you're all welcome @sams247, @Taking_back_control and @Sallyforth. If you have any PADs to declare before this thread officially starts on Sunday, then you can post them on the current thread, and we'll count it in 2022's overall total, https://forums.moneysavingexpert.com/discussion/5590353/payment-a-day-chapter-18#latest.

Massive congratulations on being debt and mortgage free @Sallyforth, that's an exceptional achievement 👏🏾👏🏾👏🏾! To update your signature, go to your profile icon and click on 'edit profile'


Then on the left hand side of the profile page, there is a list of options, and if you then click on 'signature settings' it will allow you to write your signature to track your progress.


You can highlight whatever text you want in bold or italics etc. If you want to add coloured font to whatever you write, you will need to state the colour beforehand in brackets (spelt the American way as 'color') with an = and then the colour you want, and then the following text will be that colour. An example from my signature where The Burden Restart Tracker is in blue:
[COLOR=Blue]THE BURDEN RESTART TRACKER:-


Whereas, the opening of my signature has 3 different colours of red, orange and green at different parts in the same sentence, so I typed the colour in brackets as above [COLOR=RED], but then added a closed brackets after the relevant words [/COLOR], so that only the words in between the brackets is a different colour:  

[B]Debt Tracking Restart Take 2 from 01/08/2022= [COLOR=Red]£22,182.54 (8 creditors)[/COLOR]  So, on 28/12/2022 = [COLOR=DarkOrange]£6,608.69/£22,182.54 (5 creditors)[/COLOR] = 29.79% repaid [COLOR=Green][I]Aiming to be Debt Free = 31/12/2024[/I][/COLOR]


Hopefully that helps you or anyone else that might need it. I think you have to have been on the forum for a specific period of time/made a few posts to be able to add a signature, but I'm not sure how accurate that information is in terms of time/posts, so just try and see what you can do 😁. Having the accountability of a signature really helps with whatever your goals are... x

bigbeff

Can I join please? Going to clear this debt  

outoftheviciouscircle

Can I join in please. I'm going to join the Make £10 a Day challenge when that opens for January and I will use the money from that to make extra payments. I've got the minimum covered and I'm aiming to make a massive dent in the debt this year.

Keedie

Welcome aboard! Sounds like you're on a roll @bigjeffbased on your signature, well done you. And it's great to have a solid plan @outoftheviciouscircle, you'll make a lot of progress that way. I'm aiming for that challenge next month as well.

JingsMyBucket

Mind if I join as well? I’ve been working out a debt snowball strategy for the coming year and I’d love a place to post progress and cheer others on. ☺️ Thank you!

Keedie

Of course you can join @JingsMyBucket, the more the merrier! Good luck with your debt snowball, it really does help to be focussed and amongst like minded people. PADding helped me to pay off thousands this year, and I'm sure it'll help you too. Everyone is so friendly as well as supportive, so that's a lovely bonus  🤗.

Sallyforth

Thanks so much for your kind welcome and help with my signature @Keedie which eventually I got to work I think.  Still working on the color but I have time over New Year.  I'm ridiculously excited about these challenges and have today set up spreadsheets to record every day.  I'm looking forward to getting to know folk and cheering from the sidelines or offering a shoulder to cry on if required.  I've see both sides having owed over £75k in debts at my lowest point.  I'll be honest an unexpected inheritance helped me finally become mortgage free and take early retirement but we tackled the debt alone with the help of Step Change.