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Payment A Day - Chapter 2023
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Welcome @jrcoal5! And you can as much or as little as like and as often as you like or take breaks so no pressure. I don't PAD every day as I don't always have money. But every penny counts 🤗.
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 -
I like to round up my current account whenever it’s an odd amount only problem is when you try your best not to spend a penny it doesn’t alway need roundingKeedie said:Welcome @jrcoal5! And you can as much or as little as like and as often as you like or take breaks so no pressure. I don't PAD every day as I don't always have money. But every penny counts 🤗.
like you say though every penny paid is a penny less owed I’m down to about £7300 left of debt from having almost £40,000 10 years ago it’s been a long haul but the end is almost in sight 😊 Pay off debt by Xmas 2023 #23My debt free diary https://forums.moneysavingexpert.com/discussion/6436651/clearing-my-debt-after-25-years#latest
paid £7112/£7800-**DEBT FREE April 2024**
£9400 saved for emergency fund5 -
That’s great going @Jrcoal5
Good luck with the remaining £730027/5/17 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 -
Pay off debt by Xmas 2023 #23My debt free diary https://forums.moneysavingexpert.com/discussion/6436651/clearing-my-debt-after-25-years#latest
paid £7112/£7800-**DEBT FREE April 2024**
£9400 saved for emergency fund3 -
£2 is my pad for FridayTesco 4163.90 (-86.00 since 01/01/23)First Direct 2437.49 (-153.09 since 01/01/23)Halifax 2391.37 (-55.70 since 01/01/23)MBNA 1577.00 (-78.00 since 01/01/23)Virgin 786.66 (-25.00 since 01/01/23)Overdraft 500.00 (-0 since 01/01/23)Spending CC 4538.34 (+521.24 since 10/01/23)5
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Morning £10 today split between CC7 and sealed pot.
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 £25715 -
Morning.
£6.04 to the loan today.Plan to PAD Everyday 2024Credit Card - £3662.99 (int free to 11/11/25) -PAD TotalsJan 2024 -5 -
£50 to the Bank of Mum - school feesDebt 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 -
Morning
£2.75 save the change split 75p SPC and £2 to Lloyds CC.
Thanks Shell xDebt Free - 04/03/23. Total LBM August 2021 £15410.70
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Oops been busy and missed a few days. £10 to hsbc cc to compensate x5
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