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Payment A Day - Chapter 2023

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  • sams247
    sams247 Posts: 1,362 Forumite
    Part of the Furniture 1,000 Posts Homepage Hero Photogenic
    paid a bit extra to CT today - less than they want but more than they expected :smile:

    £20

      To those who are given much, much is expected
        £2025 in 2025 = £680.60
          Food Budget £180/9.30.
            Fiver Friday #13 £35
          1. Sallyforth
            Sallyforth Posts: 601 Forumite
            Part of the Furniture 500 Posts Name Dropper Photogenic
            Managed to scrape together £1.34 today to PAD savings pot.  I must accept some days will be better than others!
            SF
            Tilly Tidying and
            PADing in 2024 £250.62
            ___________________________________________________________________________________________

            RIP Mum & Dad - thanks for helping me on my journey to be
            Debt and Mortgage free from 2018

          2. AntoMac
            AntoMac Posts: 2,665 Forumite
            Tenth Anniversary 1,000 Posts Name Dropper Combo Breaker
            Sallyforth said:
            Managed to scrape together £1.34 today to PAD savings pot.  I must accept some days will be better than others!
            SF
            That is exactly how I see PADding SF.
            The vast majority of my PADs are low value but once the habit is established they really do add up into something worthwhile
            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 5
          3. bekah89
            bekah89 Posts: 421 Forumite
            Third Anniversary 100 Posts Name Dropper
            £4 paid to CC3 today 
            March NSD 14/15

            Debt £9607.54/£11296.89
            CC2:£2274.64/£2299.36 CC3: £1848/£1924.91 CC4:£25/£978.50 CC5: £1155/£1331.24 CC6: £3754.90/£4191.09 CC7: £550/£607.39
            CC1: paid off 14/02/23

            PAYDBXMAS23 #4 £1432.74/£4000
            Saving for Xmas 23 £30/£365
            4.94% £570.89/£107 
            make £2023 in 2023 #24 £71.24/£2023
          4. krustylouise
            krustylouise Posts: 1,501 Forumite
            Part of the Furniture 1,000 Posts Combo Breaker
            Paid another £1 off my CC 😊 X

            PAD 2023 Debt total as of Dec 2022 £18,988.63*April £17,711.03

            Halifax CC £3168.21

            Halifax loan £6095.47

            Car finance £7639.02

            Next £0/£808.33


            #22 - 1p savings challenge 2023 £166.95/£667.95

            Saving for Christmas - £1 a day savings challenge 2023 £50/£1000

          5. Keedie
            Keedie Posts: 2,843 Forumite
            Ninth Anniversary 1,000 Posts Photogenic Combo Breaker
            Fantastic total for yesterday, wow!

            £6.03 to PAD Pot via a refund from Apple
            £8.29 to the sealed pot

            £14.32 total
            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 22/50
          6. Makingabobor2
            Makingabobor2 Posts: 4,192 Forumite
            1,000 Posts Second Anniversary Photogenic Name Dropper
            £5 to the F&F debt pot
            £1 to Christmas/Birthday '23 pot
            £1 to Boiler service/annual insurance pot

            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  £450/£3000
            .
            Fiver Friday '25 #10 £15

            Studies/surveys  July £72.46

            Decluttering items 750
            Books read    12
            Jigsaws done  8

            My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


          7. mrs_flumpkin
            mrs_flumpkin Posts: 38 Forumite
            Third Anniversary 10 Posts
            Hello, £2 to Next for me today please x
          8. CMD79
            CMD79 Posts: 751 Forumite
            500 Posts Second Anniversary Name Dropper
            Crazycatlady2 said:
            Hi I hope you don’t mind me popping in. Last year we paid off our mortgage thanks to FIL and MIL (who is no longer with us) and this freed up money monthly we used to pay off debt so ended 2022 debt free 🎉🎉

            so technically we have a lot of money spare which I’m sure as you all know can be easily frittered away in a household if 5 plus pets.

            with no debt I feel like my financial focus could quite easily slip this year so we have set up a few savings plans. Hubby has a help to save account, we have a savings account each with 5% upto a certain amount and an account which is technically savings but short term so used if something comes along and I haven’t enough in spends account which I have an amount go to each month and my double up round ups goes to it.

            so I’m thinking for this challenge I might round down the spends account and send to empty account for a particular savings item….I’ve got my eye on wanting a new front door this year so maybe that? Not sure I’ll do every day tbh but maybe at least once a week and see how I get on maybe? 
            Sorry for your losses, but fantastic that you are now debt free and figuring out how to plan your financial future xx
            November 2023

            I'm always in it, it's only the depth that varies....

            Current debt: £10,806.75
            Debt free date April 2025 (though expecting this to come forward)


          9. CMD79
            CMD79 Posts: 751 Forumite
            500 Posts Second Anniversary Name Dropper
            £100 to Tesco today please  <3
            November 2023

            I'm always in it, it's only the depth that varies....

            Current debt: £10,806.75
            Debt free date April 2025 (though expecting this to come forward)


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