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Payment A Day - Chapter 2023

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Comments

  • Spinayarn
    Spinayarn Posts: 230 Forumite
    100 Posts First Anniversary Name Dropper
    Hi everyone 
    just got back from holiday abroad last night/this morning.
    Pay day today - PAD £181 for overdraft.
    My Debt Free journey - started 1 May 2023. Goal date October 2026 May 2026 April 2026

    CC1 £180 £0.00
    CC2 £1948.18 £0.00
    O/D £1400 £0.00
    Loan 1 £6231.57. £0.00
    Loan 2 £6993.30  £3900.68
    Car Loan £11257.28  £9,025
    Total Debt: £28006.30  £12,790

    EF £1939.73
  • Keedie
    Keedie Posts: 2,854 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Combo Breaker
    Evening all,

    Sorry for being an AWOL counter upper in the last couple of days, I needed a bit of a mental health break but I'm back on it now and everything is fine 👍🏾. So here's the catch up:

    The total PAD for 20 August 2023 was £24


    The total PAD for 21 August 2023 was £84

    I hope you had a good holiday @Spinayarn? Glad you've been liking the quotes @AntoMac, they do have a way of giving a different perspective at times don't they? This one has helped in my mini spiral over the last few days and hopefully it'll be of use to someone too...

    45 Inspirational Mental Health Quotes That Are Relatable

    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
    Morning sorry I haven’t been on as we have been away on holiday, back today and £50 cc1 for me today 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 

  • Hello from sunny Tenerife! £3 to the EF for me today
    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: 2,854 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Combo Breaker
    Afternoon all,

    The total PAD for 22 August 2023 was £243

    I was having a good chat the other day with one of my friends and we were talking about how mindset and perspective, can make all the difference in how we experience life and interact with others. And then this turned up on my Facebook feed out of nowhere whilst I was up in the middle of the night. How kismet.

    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
  • Keedie
    Keedie Posts: 2,854 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Combo Breaker
    Hope you're having a great time in Tenerife @LittleMissDetermined.

    My PADs are 

    £1 to the 50p challenge
    £0.05 to the penny challenge
    £5 to the £1 challenge

    £6.05 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
  • Spinayarn
    Spinayarn Posts: 230 Forumite
    100 Posts First Anniversary Name Dropper
    Hi @Keedie - yes we had an amazing holiday, thank you. I overspent on my holiday budget because I actually had no idea how much I usually spend when abroad because I would not keep track. But it gives me more idea of what I need to budget next year. 

    PAD today is £40 into the Christmas account.
    My Debt Free journey - started 1 May 2023. Goal date October 2026 May 2026 April 2026

    CC1 £180 £0.00
    CC2 £1948.18 £0.00
    O/D £1400 £0.00
    Loan 1 £6231.57. £0.00
    Loan 2 £6993.30  £3900.68
    Car Loan £11257.28  £9,025
    Total Debt: £28006.30  £12,790

    EF £1939.73
  • AntoMac
    AntoMac Posts: 2,718 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper Combo Breaker
    That quote is very clever Keedie - Nice one.
    £5.20 to Sains Cc today please
    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
  • Spinayarn
    Spinayarn Posts: 230 Forumite
    100 Posts First Anniversary Name Dropper
    Morning! Today’s PAD is £13.50 to CC that still has a subscription running on it. I can cancel it at the end of October.
    My Debt Free journey - started 1 May 2023. Goal date October 2026 May 2026 April 2026

    CC1 £180 £0.00
    CC2 £1948.18 £0.00
    O/D £1400 £0.00
    Loan 1 £6231.57. £0.00
    Loan 2 £6993.30  £3900.68
    Car Loan £11257.28  £9,025
    Total Debt: £28006.30  £12,790

    EF £1939.73
  • Jrcoal5
    Jrcoal5 Posts: 647 Forumite
    Fourth Anniversary 500 Posts Name Dropper
    Morning £200 to the driving lesson pot for me today 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 

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