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Payment A Day - Chapter 2023
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Morning all,
The total PAD for 23 August 2023 was £104.25
Glad you had a good holiday @Spinayarn, that's the main thing, the budget like you said can be tweaked for future holidays. The main thing is that you made memories and enjoyed yourself. That is a great and clever quote isn't it @AntoMac? Here is another one, that looks at how our inner critic can make us feel ugliness and pain, but there is hope and beauty in all of us. Perspective makes all the difference...
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 22/500 -
Hi all,
A small but perfectly formed £4 to the CC bill for me today
DM xI feel like a Pelican - everywhere I look there's a bill staring at me!LBM: March 2014 Current CC debt: £2048.29/£3666.53 (55.86% repaid) Current Challenges:Tilly Tidy: £2087.67/£2500 (83.50%) 3 to 6 month emergency fund #75: £3653.62/£6000 (60.89%)1 -
Love the quotes Keedie!£80.55 in total to EF and Sealed pot
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 -
Morning all,
The total PAD for 24 August 2023 was £217.50
Glad you liking the quotes @LittleMissDetermined, they're very cleverly done aren't they? I'm sure I'll find some more, but today instead I want to share my favourite poem about being kind to ourselves. I have this printed on my wall by desk and by my bed, so that if I feel overwhelmed, I can read it and give myself permission to just breathe essentially.
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 folks - I really like that poem Keedie.
PAD today is total £356 minimum payments to car loan and loan 2.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 -
Just £1 PAD today. Slowly but surely my EF is mounting up! Planning a bit of a clear out today so hope to make a little on eBay and the rest to charity.
SF xTilly Tidying andPADing in 2024 £250.62
___________________________________________________________________________________________
RIP Mum & Dad - thanks for helping me on my journey to be
Debt and Mortgage free from 20181 -
Keep them coming Keedie, PADders will need to get their fill as it’s me next month and I’m not certain I can live up to the standards you’re setting 😂
My PAD today is £3 to the EF
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 -
£90 to mortgage 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 -
Afternoon all,
The total PAD for 25 August 2023 was £436.55
Glad everyone's liking the quotes and poems 🤗 and don't worry @LittleMissDetermined, I'm just exceptionally extra with all my quotes and stuff. I sometimes just google how I am feeling or what I want to achieve and add 'quote' or 'poem' at the end. So like today, I searched for a 'positive changes poem' and this is today's offerings...
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 -
Hi all. I actually made lots of payments yesterday as my overtime payment from July arrived yesterday. I had worked extra hours every day so it was a big payout. I’m going to list them as PADs over the next week as it will still keep me on the board each day. Hope this is ok with everyone.
The first one was £469 which went to the Emergency Fund and means I now have a full £1000 in there. Can’t believe I have achieved this. 😀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 £1939.732
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