We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Payment A Day - Chapter 2023
Options
Comments
-
@Sallyforth I’m not in a position to PAD everyday. So I just check in and see what everyone is up to and cheer them on. I can only PAD my minimum payments, some overpayments and a little bit to savings. Sometimes my PADs are pennies. It doesn’t matter how much you PAD or even the frequency if it’ll leave you stretched. The main thing is that you’re aware of the impact of PADding and you do so when you’re able to. So don’t worry, you got this 🤗.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 22/506 -
Congratulations on the PB win @Sallyforth. xMaking the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,744....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £550/£3000
.
Fiver Friday '25 #10 £15
Studies/surveys August £0
Decluttering items 755
Books read 12
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up4 -
A massive (for me) £30 pad today. £20 to holidays and £10 to xmas/gifts. I got £20 from Toluna and £10 for a survey. Most excited!
JAK
x2022 Comp total (prizes + free spins): £494.81 #20 £12 a day Jan: £382.95/£372 #57 360 1p challenge: £17.70 £10 a day Feb: £571.09/£280 March: £311.96/£3106 -
£66 total PADs today so far, (made up of £56 normal monthly payment to DMP debts; £1 Christmas/Birthday ; £2 Holiday pot; £2 Boiler service & annual insurance pot; £5 F&F pot)
Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,744....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £550/£3000
.
Fiver Friday '25 #10 £15
Studies/surveys August £0
Decluttering items 755
Books read 12
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up3 -
Had to pay out for car issue today so no more PAD until I can catch that up........
3 -
Well done on the win! 🙌Sallyforth said:I checked in yesterday but couldn't find anything to PAD without robbing Peter to pay Paul. More than making up for it today though with £50 that's hit my account from a welcome premium bond win. I've decided I'll check in and read posts daily but not beat myself up if I can't always PAD every day.
SF xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25712 -
Hi
payment to next for £2
Thanks
2 -
£77.71 paid to FD today.
Plus £1 I forgot to post about yesterday.
Tesco 4163.90 (-86.00 since 01/01/23)First Direct 2437.49 (-153.09 since 01/01/23)Halifax 2391.37 (-55.70 since 01/01/23)MBNA 1577.00 (-78.00 since 01/01/23)Virgin 786.66 (-25.00 since 01/01/23)Overdraft 500.00 (-0 since 01/01/23)Spending CC 4538.34 (+521.24 since 10/01/23)4 -
Total for 9th January was
£91.47.
PAYDBC24 #8 ~ £10188.214 -
£13.00 for me today to my loan as usual.PAYDBC24 #8 ~ £10188.214
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351K Banking & Borrowing
- 253.1K Reduce Debt & Boost Income
- 453.6K Spending & Discounts
- 244.1K Work, Benefits & Business
- 599K Mortgages, Homes & Bills
- 177K Life & Family
- 257.4K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards