📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Now for a healthier, wealthier me

Options
12728303233118

Comments

  • Hurrah @KajiKita well done! 

    In terms of Prolific they are so varied it's impossible sometimes to understand what it is they could glean from it :D  I always make sure I do it properly though, I wouldn't want to jeopardise my enrolment especially as many others are still waiting or don't get accepted.  I had one where I had to read statements out loud once, they seemed to go on forever! Can't grumble though, the surveys definitely helped clear my debt.
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £2571
  • KajiKita
    KajiKita Posts: 7,756 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    It’s good to get the insight into how they work, if …… they ever do accept me! 🙄😂


    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 41 books of target 52 in 2025, as @ 9th August
    Produce tracker: £276 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • Gooood morning! another sunny day beckons in South Yorkshire and I will be tackling some laundry today, hubby is taking himself off to Manchester for the day as he is off work.  

    After work today I am off to the hairdressers. I did my own colour when I got back from holiday (no point before haha) and now it needs a good cut. I used to get my colour at the salon but it just became so expensive and when I had debt I just couldn't justify it. 

    So, given I'm off to the salon it won't be a NSD today, I found a new author whilst on holiday, not my usual genre but it was an easy read to get into and then I found I could't put it down.  I ended up getting another on my kindle whilst away but I do like the feel of an actual book so I think I will make the most of a spending day and see if I can find some more on flea-bay second hand.  I also have an Amazon voucher to use so that's an option too.  Any I can't get hold of can go on my Christmas list :) 

    I've sent £7 to the EF this morning with my PAD, which rounded down my Monzo account. All seems to be going well at the moment. The cynic in me thinks it's all too smooth and something will come along to pull the rug from under me soon enough! 

    Hope you all enjoy your day! 
    LMD x
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £2571
  • KajiKita
    KajiKita Posts: 7,756 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Perhaps you have worked hard for a long time and have earned a little calm time ….?  😉

    Re second hand books, I go to @be books through TCB. You don’t earn much but still useful 😊

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 41 books of target 52 in 2025, as @ 9th August
    Produce tracker: £276 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • KajiKita said:
    Perhaps you have worked hard for a long time and have earned a little calm time ….?  😉

    Re second hand books, I go to @be books through TCB. You don’t earn much but still useful 😊

    KK
    I managed to pick some titles up on ebay with free postage but I will have a look at that, thanks :)
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £2571
  • Good morning! A quick update from me today before I have to prep for my first (of many!) call of the day.  Not much to report on today, in contrast to yesterday's waffling.

    Finance wise, some DD's and a £5 payment to the EF have made my PAD this morning and today will be a NSD, I am only going to the gym after work and that's already paid for.  Think this is NSD #4 for September.

    I've checked Prolific this morning and I only have £3.01 approved so I can't cash out yet.  Today will be mainly meetings so it's unlikely I can get some surveys done, unless they fall when I'm having a break. 

    Hope you're all well :)
    LMD x
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £2571
  • Think I need to get back into PADding again. I admire you for keeping it going every day. I do often put things into certain pots or whatever, but have stopped listing it as a PAD....mainly because I am trying to limit the amount of time I spend on line. Also I feel that as we still have debts, my PAD really should be about paying off the debt and not putting it in a savings pot. I am trying to do it all at once, otherwise we will never have anything.....lol
    Making 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  £590/£3000
    .

    Studies/surveys  August £14.50

    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-up


  • LittleMissDetermined
    LittleMissDetermined Posts: 9,677 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Photogenic
    edited 7 September 2023 at 8:25AM
    Think I need to get back into PADding again. I admire you for keeping it going every day. I do often put things into certain pots or whatever, but have stopped listing it as a PAD....mainly because I am trying to limit the amount of time I spend on line. Also I feel that as we still have debts, my PAD really should be about paying off the debt and not putting it in a savings pot. I am trying to do it all at once, otherwise we will never have anything.....lol
    PADding isn't about building savings. It's just payments. So when I had my debts my PADs would be to my credit card.  Feel free to come back and include your debt payments. 
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £2571
  • Am I right in thinking that your PADs are to your savings accounts ? Can I also ask what the Sabbatical is for? Do you pay into a pension scheme? Just being curious lol.
  • Morning MSE-ers, we are on countdown to the weekend and I have no calls today (so far) so I am feeling a bit less stressed. Still lots of work to do but having no calls means I don't have to keep clock watching. 

    I managed a Prolific cash out this morning of £5.68 so that has been sent to the sealed pot and I have also sent £7 (!) to the EF. Today will be another NSD for me, no spending planned until Saturday when I am out for the day with family. 

    It's set to be a very hot day today, so take care in the heat, I already have 2 loads of laundry on the line :D  Although I will need to give it all a shake as it seems to be spider season now (shudders)

    Enjoy your Thursday's 
    LMD x
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £2571
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.2K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.2K Work, Benefits & Business
  • 599.3K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.