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Payment A Day - Chapter 2023
Comments
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@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) 🙈 and, I was Debt Free on 09/02/2025 🎉 but life 🫣, so now I have a Debt Reset 🥴
DEBT DEBT = £6,646.22 😬
Bank of Mum:- Moped Insurance = £300/£1,800 (16.67% repaid) || Bookkeeping Course £750/£3,000 (25% repaid)
The Tax Man:- Council Tax = £221.72/£221.72 (100% repaid 🎉) || Self Assessment = £1,624.50/£1,624.50 (100% repaid 🎉)
Debt Debt Tracker = £2,896.22/£6,646.22 (43.57% repaid)6 -
Congratulations on the PB win @Sallyforth. xMaking the debt go down and savings go up
LBM 2015 - debt £57K / Now £25,444....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule.Challenges
EF £300/3000
Studies/surveys October £ 122.65
Decluttering items 1400/2025. 448/2026
Books read 2025/23 2026- 24 (target is 52)
Jigsaws done 20 in 2025. 5 in 2026
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 £25,444....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule.Challenges
EF £300/3000
Studies/surveys October £ 122.65
Decluttering items 1400/2025. 448/2026
Books read 2025/23 2026- 24 (target is 52)
Jigsaws done 20 in 2025. 5 in 2026
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 me2026 1p challenge #7 | Cash envelope challenge #01 | SPC #017EF £1050/£1000 | Sabbatical £5664/£60002 -
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
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