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Payment A Day - Chapter 2023
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You are very welcome to join at any time @CoffeeSonata
Although it’s called Payment A Day none of us make a payment literally every day, not even the super efficient @LittleMissDetermined, as she occasionally takes a nice holiday
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 52 -
Yep you can join whenever you want and pay/save as much or as little as your budget allows @CoffeeSonata, and this thread is great for accountability and motivation. And there will be a new thread from January 2024 and you're welcome to join us in the new year too.
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 -
Good morning
£5 to the Sabbatical fund 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 £25712 -
@AntoMac and @Keedie thanks for the encouragement! I will be PADing to both savings and debt repayments.
I think it will help with accountability, motivation and focus! A holiday somewhere warmer where it's not dark by 2:30pm sounds lovely right now!
Getting off to a good start, but only because of a minimum payment and a refund to a credit card so:
£136.50 to debt today.
£19 min payment to cc1.
£117.50 refunded to cc3. Feels like a payment as it's taken a year to get the refund and brings the total down!
@LittleMissDetermined sabbatical fund is that for being able to take a break from work?
Monthly Challenges| March Grocery Challenge - £255/£330 | Make £10 a Day - £112/£310
2024 Challenges Pay-Off Debt for Christmas - £874/£6000
Savings Goals Emergency Fund - £75/£2000 | Month Ahead Bills | Month Ahead Minimum Debt Repayments
Month Ahead Grocery - £0/£30 [Month Ahead True Expenses £0/?]
My Debt Free Diary:
https://forums.moneysavingexpert.com/discussion/6490048/a-cup-of-coffee-and-two-paracetamol-debt-disability-and-getting-organised-like-the-chickens3 -
£2 to next years Christmas & Birthday pot, that I have already started, although there's only £6 in there so far, but its a good start. I tend to dip into it through out the year, so it is not just for Christmas, as I use it for birthday presents as well. As we don't really spend much at all on anything, there should hopefully be enough by next year. The first birthday isn't till Feb
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-up2 -
Evening everyone and sorry for the late update,
The total PAD for 7 December 2023 was £23.60
As we are fast approaching the end of 2023, there is often a lot of pressure to make meaningful goals or resolutions. But it doesn't have to be grand gestures or unobtainable goals. We need to focus on what is really of value to us and what makes us happy, and not what we believe we should be working on. So if at times you may feel depleted or exhausted, have a think about the true cause as...
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 22/502 -
A well-earned Shoppix payout of £5 to pad today please.
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 20182 -
£5 to debt 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, missed yesterday, was too busy being tired then out for a works do in the evening! I have four days off now, and am so so happy!
PAD today of: £138.15
This has been another good week when I add it all together, makes me happy to be doing something most days! @CoffeeSonata I only joined in Oct, part way through and have been very welcomed! I have been totting up as I go and will share just how much of an impact it has made at the end of the year!1 -
Morning all,
The total PAD for 8 December 2023 was £143.50
It's probably a bit late in the month for this one, but a friend sent it to me last night and it made me smile...
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 22/502
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