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Payment A Day - Chapter 2023
Comments
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Padding £5 from yesterday and £1.85 today
I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
Debt owed;Admiral - £0/£8000
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #8 £31.65
Pay off all your debts by Christmas 2026! #14 £74.77/£8000
Savings goal £91.50/£10002 -
Hello all
£156.56 to various places for me today please
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2026 1p challenge #7 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £4220/£60002 -
Morning all,
The total PAD for 27 December 2023 was £72.80
I don't know if any of you ever experience this, but I can have the best intentions in the world when it comes to my budget but my discipline is sometimes a bit lacking, as...
But having said that, it's okay to make mistakes as that's how you learn. A budget is not meant to be a form of punishment, as...
So here's to discovering what we need and what works for us in 2024 and beyond. Never be afraid to go back to the drawing board if you need to. As your budget should adapt to life where necessary so that you have a greater chance of it working for you 🤗.Debt Free Diary:- The Mental Debt Struggle
(Original Debt on 15/07/2016 was £33,056.76) 🙈 but Debt Free on 09/02/2025 🎉2 -
I watch lots of YouTubers @Aimingforthegoodlife, but I'm not sure on forum rules if I am able able to state it on a challenge? So I will DM you 😄.
Debt Free Diary:- The Mental Debt Struggle
(Original Debt on 15/07/2016 was £33,056.76) 🙈 but Debt Free on 09/02/2025 🎉1 -
Both of those are very true Keedie! Not sure what mess I'd still be in if it wasn't for my trusty budget
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2026 1p challenge #7 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £4220/£60002 -
Me too @LittleMissDetermined! If I didn't have my budget spreadsheet and cash stuffing, things would be very awkward for me on a daily basis. Especially as despite having it all laid out for me, depending on my bipolar or my physical disabilities, I can stray away from my intentions 🤦🏾♀️. I'm going to be more disciplined in 2024 that's for sure.
Debt Free Diary:- The Mental Debt Struggle
(Original Debt on 15/07/2016 was £33,056.76) 🙈 but Debt Free on 09/02/2025 🎉1 -
Didn't PAD much over Christmas, so back on it now
£25 to the EF
£25 to Optician/Dentist pot
£3 to Holiday pot
£15 Boiler service/Annual Insurances
£1 to Christmas/birthdays
So £68 total
Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £27,644....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule.Challenges
EF £1100/£3000
.
Studies/surveys January £14.84
Decluttering items 1402/2025. 7/2026
Books read 23 in 2025. 2026- 1 (target is 52)
Jigsaws done 20 in 2025. 2026
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up2 -
Back again, I went yellow sticker hunting after work and got amazing deals! Total cost of yellow stickers at full price should of been £37.25 ended up coming to £9.37. Saving me £27.88. I managed to grab stuff I can freeze and something for dinner tonight. I also grabbed "morris the caterpillar" from £7.50 to £1.88!!
Anyway PAD only small 45p. But better than nothing
I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
Debt owed;Admiral - £0/£8000
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #8 £31.65
Pay off all your debts by Christmas 2026! #14 £74.77/£8000
Savings goal £91.50/£10003 -
Wow, well done @BlueJ94Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £27,644....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule.Challenges
EF £1100/£3000
.
Studies/surveys January £14.84
Decluttering items 1402/2025. 7/2026
Books read 23 in 2025. 2026- 1 (target is 52)
Jigsaws done 20 in 2025. 2026
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up2
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