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Payment A Day - Chapter 2023
Comments
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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 £1939.731 -
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
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...
The total PAD for 21 August 2023 was £84
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 22/501 -
Morning sorry I haven’t been on as we have been away on holiday, back today and £50 cc1 for me today xxPay off debt by Xmas 2023 #23My debt free diary https://forums.moneysavingexpert.com/discussion/6436651/clearing-my-debt-after-25-years#latest
paid £7112/£7800-**DEBT FREE April 2024**
£9400 saved for emergency fund1 -
Hello from sunny Tenerife! £3 to the EF for me today
LMD 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 £25711 -
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 22/501 -
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 totalDebt 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 22/501 -
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 £1939.731 -
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 51 -
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 £1939.731 -
Morning £200 to the driving lesson pot for me today xxPay off debt by Xmas 2023 #23My debt free diary https://forums.moneysavingexpert.com/discussion/6436651/clearing-my-debt-after-25-years#latest
paid £7112/£7800-**DEBT FREE April 2024**
£9400 saved for emergency fund1
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