Payment A Day - Chapter 2023

Keedie

Sounds like your wisdom and experience will be a great addition @Sallyforth, and well done for putting your inheritance to such good use, although I'm sorry for your loss which made it at all possible. We'll have definite causes to celebrate and if need be, commiserate throughout the year. I'm glad that you're excited, it makes a difference to how we view our finances if we're able t find joy in the journey.

Makingabobor2

Keedie said:

Sounds like your wisdom and experience will be a great addition @Sallyforth, and well done for putting your inheritance to such good use, although I'm sorry for your loss which made it at all possible. We'll have definite causes to celebrate and if need be, commiserate throughout the year. I'm glad that you're excited, it makes a difference to how we view our finances if we're able t find joy in the journey.

That's the weird thing @Keedie, that it actually becomes exciting paying off debts and saving money. Having little savings pots all over the place is more exciting to me now, than spending like we used to before our LBM.   Even when we first had our LBM 7 years ago and started the DMP, before we went self managed, we were not in a position to have savings pots then. So this is very exciting now.....so looking forward to 2023. 

Keedie

I love having saving pots @Makingabobor2 and I've taken some baby steps into cash budgeting and cash stuffing to help me manage my finances more. I must say, having a Chase bank account with all it's sub-accounts, has been a game changer for me in terms of having virtual pots for things I need. I also have round-ups enabled and I put the 1% cashback into one of my savings pots. It all adds up and it gets very exciting definitely, that's why PADding is so addictive! 

Makingabobor2

Keedie said:

I love having saving pots @Makingabobor2 and I've taken some baby steps into cash budgeting and cash stuffing to help me manage my finances more. I must say, having a Chase bank account with all it's sub-accounts, has been a game changer for me in terms of having virtual pots for things I need. I also have round-ups enabled and I put the 1% cashback into one of my savings pots. It all adds up and it gets very exciting definitely, that's why PADding is so addictive! 

Yes, I have lots of savings accounts attached to my NW account. I have set up one for mortgage overpayments that is the one they call Impulse Saver, so I can just transfer odd amounts at the touch of a finger....love it. So I put all the odd bits in there, even 1p, it all adds up,  and then send to mortgage company every time I get it up to £5 or £10 . 

BTW @Keedie, was it you who explained how to do coloured bits on signatures? Can't find it now, and trying to work out how to do it. 

dg1019

Thank you for starting the new thread @Keedie I'll be padding again from the new year after a financially awful 2022. Currently making my way through the 1500 posts I've missed on the old thread - I've made it up to your motivational quotes from a few months back!

Maeve444

Hello  I would like to re-join I was part of it a while ago and lost track of it all although I have been consistently paying off debt I can do better and need a refocus.

Keedie

Welcome back @dg1019, and hopefully you'll like the motivational quotes from September 🤗, and sorry that 2022 hasn't been financially kind to you. But not to worry, every day is a fresh start to a new page in our Book of Life. You have the ability to write a better 2023 and beyond, so you'll get there.

Welcome back @Maeve444 as well, and I can see from your signature you're doing amazingly well. And don't worry we'll all help you to focus and celebrate every time you knock more pennies and pounds off your target.

Diane1276

I like this idea, I'm in!

shell16

Makingabobor2 said:

BTW @Keedie, was it you who explained how to do coloured bits on signatures? Can't find it now, and trying to work out how to do it. 

I have never figured this out myself!  Its pretty boring in black and white! Let me know too @keedie
Shell x

Keedie

Welcome aboard @diane1276. We'll start on Sunday 1 January 2023 on this thread, and I promise you'll do great and pick up the PADding addiction (it's so satisfying to see the balance drop for debt or grow for savings).

@Makingabobor2 and @shell16, here's a bit of instructions that I had on page 2 which explains the colour changes on the signature. Hopefully it makes sense...??

You can highlight whatever text you want in bold or italics etc. If you want to add coloured font to whatever you write, you will need to state the colour beforehand in brackets (spelt the American way as 'color') with an = and then the colour you want, and then the following text will be that colour. An example from my signature where The Burden Restart Tracker is in blue:
[COLOR=Blue]THE BURDEN RESTART TRACKER:-


Whereas, the opening of my signature has 3 different colours of red, orange and green at different parts in the same sentence, so I typed the colour in brackets as above [COLOR=RED], but then added a closed brackets after the relevant words [/COLOR], so that only the words in between the brackets is a different colour:  

[B]Debt Tracking Restart Take 2 from 01/08/2022= [COLOR=Red]£22,182.54 (8 creditors)[/COLOR]  So, on 28/12/2022 = [COLOR=DarkOrange]£6,608.69/£22,182.54 (5 creditors)[/COLOR] = 29.79% repaid [COLOR=Green][I]Aiming to be Debt Free = 31/12/2024[/I][/COLOR]