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Payment A Day - Chapter 2023
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£1.00 to the loan pot please.
4 -
£1.15 paid today
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 fund4 -
Another 95p TT done today to holiday pot x2022 Comp total (prizes + free spins): £494.81 #20 £12 a day Jan: £382.95/£372 #57 360 1p challenge: £17.70 £10 a day Feb: £571.09/£280 March: £311.96/£3102
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£60 to holiday today. Hoping/trying to make this a much better month.
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
.
Studies/surveys August £7.48
Decluttering items 771
Books read 14
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up3 -
Aagh - missed yday so paid £10 to next today 😁3
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Can't sleep so tidied up my bank balances and cleared change out of my purse and my direct debits are coming out at 3am, but I won't be awake then (hopefully) and tomorrow is a busy day so declaring early for 2 Feb.
£72.67 to Creation
£32.87 to Sky Mobile
£1.74 to sealed pot challenge
£2.16 to The Noose PAD Pot
Total of £109.44Debt 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 22/505 -
Morning
just £1 to next today please5 -
Good morning PADders! We had a great start to February
The total for 1st February was £2,998.10
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 £25715 -
Morning Padders!
It's a £4.55 round down for me this morning!
Hope you all have a good day!Plan to PAD Everyday 2024Credit Card - £3662.99 (int free to 11/11/25) -PAD TotalsJan 2024 -3 -
£24.23 paid today.Tesco 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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