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Payment A Day - Chapter 2023
Comments
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            Debt Free Diary:- The Mental Debt Struggle
 (Original Debt on 15/07/2016 was ยฃ33,056.76) ๐ but Debt Free on 09/02/2025 ๐
 2025 SAVINGS: Emergency Fund (ยฃ604.30/ยฃ5,000) 12.09% saved
 2025 CHALLENGES: #16 Sealed Pot Challenge ~ 18 || #9 50 Envelope Challenge 22/502
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            Morning, PAD of ยฃ2 today, @Keedie thank you will have a good luck tomorrow when I am doing my money bits!1
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            Morning all! ยฃ100 today for me please, not sure which CC to pay yet ย Iโm 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. ย Iโm 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;*update pending as I've no idea*ย 
 Time to start a fresh. โ MoneySavingExpert Forum
 Time to start a Fresh part 2, 2022! โ MoneySavingExpert Forum
 New fresh diary for 2023! โ MoneySavingExpert Forum
 https://forums.moneysavingexpert.com/discussion/6494873/fresh-diary-for-2024#latest
 https://forums.moneysavingexpert.com/discussion/6577209/fresh-diary-for-2025/p1?new=12
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            Back again ยฃ30 to clear Capital in total ย Iโm 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. ย Iโm 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;*update pending as I've no idea*ย 
 Time to start a fresh. โ MoneySavingExpert Forum
 Time to start a Fresh part 2, 2022! โ MoneySavingExpert Forum
 New fresh diary for 2023! โ MoneySavingExpert Forum
 https://forums.moneysavingexpert.com/discussion/6494873/fresh-diary-for-2024#latest
 https://forums.moneysavingexpert.com/discussion/6577209/fresh-diary-for-2025/p1?new=12
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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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            Morning all,The total PAD for 28 December 2023 was ยฃ237.83We're all plodding along with our individual goals, and whether we have set backs or we breeze through it all, the main thing is that we appreciate the journey as much as the goal itself... Debt Free Diary:- The Mental Debt Struggle Debt Free Diary:- The Mental Debt Struggle
 (Original Debt on 15/07/2016 was ยฃ33,056.76) ๐ but Debt Free on 09/02/2025 ๐
 2025 SAVINGS: Emergency Fund (ยฃ604.30/ยฃ5,000) 12.09% saved
 2025 CHALLENGES: #16 Sealed Pot Challenge ~ 18 || #9 50 Envelope Challenge 22/503
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            Back with my PADs
 ยฃ250 to Barclaycard
 ยฃ6 to the ยฃ2 challenge
 ยฃ1.07 to the penny challenge
 ยฃ257.07 totalDebt Free Diary:- The Mental Debt Struggle
 (Original Debt on 15/07/2016 was ยฃ33,056.76) ๐ but Debt Free on 09/02/2025 ๐
 2025 SAVINGS: Emergency Fund (ยฃ604.30/ยฃ5,000) 12.09% saved
 2025 CHALLENGES: #16 Sealed Pot Challenge ~ 18 || #9 50 Envelope Challenge 22/501
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            Managed to findย 55pย to PAD today.ย Decided to spend the rest of the day signing up to some more research sites and possibly mystery shopping ones too.ย Any recommendations?
 SF xTilly Tidying andPADing in 2024 ยฃ250.62
 ___________________________________________________________________________________________
 RIP Mum & Dad - thanks for helping me on my journey to be
 Debt and Mortgage free from 20183
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 I have loads and loads of sites on my laptop at home but off the top of my head;ยSallyforth said:Managed to findย 55pย to PAD today.ย Decided to spend the rest of the day signing up to some more research sites and possibly mystery shopping ones too.ย Any recommendations?
 SF x
 survey sites-
 Prolificย
 Paid Product testing (testing and surveys)
 Onepoll
 Panelbase now known as norstatpanel
 Product testingย
 Flavor Wiki
 Clicks Research
 There's also a trial place called Trials4us (never done them but over Christmas I seen a trail offering 4k for 3 days)ย
 Will come back and update my list in a bit ย Iโm 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. ย Iโm 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;*update pending as I've no idea*ย 
 Time to start a fresh. โ MoneySavingExpert Forum
 Time to start a Fresh part 2, 2022! โ MoneySavingExpert Forum
 New fresh diary for 2023! โ MoneySavingExpert Forum
 https://forums.moneysavingexpert.com/discussion/6494873/fresh-diary-for-2024#latest
 https://forums.moneysavingexpert.com/discussion/6577209/fresh-diary-for-2025/p1?new=12
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            ยฃ80 OP to mortgage today &ย ยฃ1ย to Christmas/Birthday pot
 Making the debt go down and savings go up
 LBM 2015 - debt ยฃ57K / Now ยฃ28,084....its going down
 ย Mortgage Free December 9th 2024!ย 18mths ahead of schedule.ย Since 2022 we paid over ยฃ15K in OPs.ChallengesEF #68ย ย ยฃ850/ยฃ3000
 .
 Studies/surveysย October ยฃ64.89
 Decluttering items 1363/2025
 Books readย ย 20
 Jigsaws doneย 11
 My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-dยฃown-the-savings-up2
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