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Payment A Day - Chapter 2023
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Yes, @Keedie, same as us. Its a balancing act between paying off debt & building up savings. We're concentrating more on mortgage 1st, as all the old credit card debts are now no interest. So they are going down very slowly but I do intend to make better inroads into them next year as well.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 756
Books read 13
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up2 -
Life 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
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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 53
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Just 27p PAD from some tidying up! What an amazing gift @Makingabobor2 and well done for putting against your mortgage.
SF xTilly Tidying andPADing in 2024 £250.62
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RIP Mum & Dad - thanks for helping me on my journey to be
Debt and Mortgage free from 20182 -
Morning all,
The total PAD for 19 December 2023 was a whopping £1,006!
Every penny that we PAD all adds up, and just remember when you have a debt or savings goal...
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 22/503 -
£5 today, shared between Christmas/birthday '24 pot; Holiday pot; Self care pot (which is what I use for hair cuts & massage etc)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 756
Books read 13
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up2 -
I think I may have missed a PAD somewhere.
Today there has been £7 to savings (bills month ahead)
£28.13 to debt/christmas installment plan/scheme thing.
total: £35.13.
@Makingabobor2 that's a really good use of the money - even if it may not 100% feel like it as the gain isn't an immediate tangible thing (just me?) the satisfaction and relief of making a big dent must be good.
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-chickens2 -
Back again, 77p to round up. (Have a newer starling bank account to separate out groceries and other regular personal spending / saving pots that need to be used regularly.) So am trying round ups. Might drive me crackers with YNAB accounting and because I have been accounting for every single penny literally, will find a way. Used to do plum, got to complex, and drove me crazy mentally calculating what I had, so we'll see).
Wanted to try round ups as used to do it when I paid mostly in cash, change periodically went in the change jar - lifelong habit, I miss my giant whiskey bottle of change!
Updated total for today is: £35.90. Which makes me happy, but I might put another 10p in to make it a neat figure.
&yes I'm one of those sad, sad people whose day is made if she gets the petrol pump to a nice, round exact £1 figure!!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 -
£1.38 to savings 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 52
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