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Payment a Day - Chapter 2024
Comments
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Morning :-)
£10 to CC1
Jan 2022
Owed approx 70,000 in consumer debt
Dec 2024/Dec 2025
Loan 1 4750/0
Loan 2 10690/0
Card 1 10764/6378
Card 2 5674/3564
Card 3 5158/3532
Card 4 0/10785
Total 37036/24274
Emergency Fund 0/2000
2022 Over 70k debt. Time to change!
2022-25 Paying off debt.
2025 Cash lump sum used to pay down debt quicker than hoped.
2025+???? Stay happy and in control of my finances2 -
£144 this morningI’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
Debt owed;Admiral - £0/£8000
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #8 £31.65
Pay off all your debts by Christmas 2026! #14 £74.77/£8000
Make £2026 in 2026! £390.05/£2026
Savings goal £91.50/£10002 -
forgot £40 aswell please
I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
Debt owed;Admiral - £0/£8000
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #8 £31.65
Pay off all your debts by Christmas 2026! #14 £74.77/£8000
Make £2026 in 2026! £390.05/£2026
Savings goal £91.50/£10002 -
PAD of £3 today
TGIF!
1 -
Morning all,
The total PAD for 4 July 2024 was £152.08
Sometimes we look back and focus on what we have and have not done well, or we're so busy looking to the future that we don't focus on the here and now. But at some point it all clicks, and...Debt Free Diary:- The Mental Debt Struggle
(Original Debt on 15/07/2016 was £33,056.76) 🙈 but Debt Free on 09/02/2025 🎉
Career Loan £175/£3,000 (5.83% repaid)2 -
Welcome @Shellyjanefreeman, it’s never too late to join the PADders 😊
my PAD today is £5 to savings please
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2026 1p challenge #7 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £4220/£60003 -
£5.00 for me today off my Very Balance
PAD 2024 - £1485.20
The 365 days 1p Challenge #18 - £292.66
Make £10.00 per day July 2024 - £545.47 / £620
Make £10.00 per day August 2024 - £595.54 /£620
Debt:
Klarna - £255.42/ £746.14
Very - £828.00/ £986.95
Capital One 3 - £1656.44 £2050
Capital One 1 - £2963.38 / £3000
Asda Credit Card - £1600 / £1600
Capital One 2 - £0 / £1000
Capital One 4 - £0 / £200
DRS - £0.00 / £45.85
Total - £7295.71/ £9628.94 (24% paid)2 -
£8.46 today, very very wet Saturday!1
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Morning!
£324.03 to various places today
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2026 1p challenge #7 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £4220/£60002 -
£158.79 to capital one, need to wait for the balance to update and then I can close the acocuntI’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
Debt owed;Admiral - £0/£8000
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #8 £31.65
Pay off all your debts by Christmas 2026! #14 £74.77/£8000
Make £2026 in 2026! £390.05/£2026
Savings goal £91.50/£10002
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