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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Payment A Day - Chapter 2023
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£294.82 to Zopa
£25.00 to Tesco
£319.82 today
Thank you
4 -
Back with £1 (gifted from FIL) from shopping change to Lloyds CC.
Shell xDebt Free - 04/03/23. Total LBM August 2021 £15410.70
2 -
Yes it's great to see this new thread so active @Doily94, I think it's just what we needed, so thanks to whoever suggested it (I think it was you @shell16?) And yes, that crazy high PAD total for 2022 was a testament to how great PADding is!
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 -
Well I've realised I don't need separate challenges for my PADing and saving towards Christmas 2023 so I think I'll simply log all my PADs to that which simplifies things. I've altered my signature to reflect this so today's PAD is £20.
SFTilly Tidying andPADing in 2024 £250.62
___________________________________________________________________________________________
RIP Mum & Dad - thanks for helping me on my journey to be
Debt and Mortgage free from 20183 -
Back with £8 sent to CC7 from survey cash out
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 £5678 | EF £1000/£1000 | Sabbatical £3188/£6000 | Travel savings £1924 | Sinking pots £21263 -
£2.96 to C1. Change from shopping put to use.
4 -
Back with my own PAD of £66.66 to my loan.PAYDBC24 #8 ~ £10188.214
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£300 to my loan todayDebt busting 2022 Total £15842.68 £0 (100% paid since 1/1/22)
- DFD: September 1st 2023[/b]
Savings diary: https://forums.moneysavingexpert.com/discussion/6472040/time-to-build-my-future#latest
4 - DFD: September 1st 2023[/b]
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£1 payment made today.
A few DD have left my account but I'm closing not to include these.Total debt when my journey began in December 2022- £66,133.42
Current debt May 2024- £40,064.57
Repaid 39.42%5
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