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Payment A Day - Chapter 2023
Comments
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Definitely keep on PADding!jak said:PS. Well done Shell and I'm sure I speak for everyone when I say keep padding! xxxLife 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 -
£10 to CC7
LMD x
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 -
£2.00 to the loan pot. Thank you
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Been AWOL for a bit, but back on it now. £11 today, to the Penny a day challenge and the Christmas/Birthday potMaking the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,524....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £570/£3000
.
Studies/surveys August £14.50
Decluttering items 929
Books read 15
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up3 -
Back with another £22 to CC7
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 £25713 -
£5.06 for me today to MonzoPAYDBC24 #8 ~ £10188.213
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£26 to mortgage
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 -
£10 to the Noose Pad Pot, which is slowly nearing 20% of my target.
Definitely keep PADding @shell16. I'll be doing that once I'm debt free, as I think it's a great lifelong habit which serves us well, whether the goal is clearing debts, building savings or combination of the two. I've been trying to teach my son the same, and he's got his little tin going for his spare change and I'll introduce him to cash budgeting soon so that when he gets older he can handle himself better. I was told to live within my means by my parents, but not shown how that works. So I think seeing PADding as something that is just a part of life and financial management helps to make everything more manageable.
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 22/503 -
Hello!
Huge well done Shell! I hope you're still buzzing and enjoying your debt free life!
So I'm just doing monthly updates. I've paid another £537 today so I've got a mere £1k left of debt to my name!
It will be cleared by the beginning of May!
X1
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