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Payment a Day - Chapter 2024
Comments
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Morning all
@AntoMac, yep it has gone bit quiet, but the monthly total is piling up nicely 🙂
I also have a 0% ending next month, so have quietly storing up funds for clearing it 🙂
The PAD total for the 20th September comes in at £415.88
DM x
I feel like a Pelican - everywhere I look there's a bill staring at me!LBM: March 2014 Current CC debt: £2048.29/£3666.53 (55.86% repaid) Current Challenges:Tilly Tidy: £2087.67/£2500 (83.50%) 3 to 6 month emergency fund #75: £3653.62/£6000 (60.89%)2 -
Morning! sooo my debt has gone up and down throughout the year. I need to sit down and take accountability again so here it goes; sadly im back at £3815.72.
Salad Money - £1084.09/£1200
Zopa £168.70/ £200
JAJA - £835.93/ £900
Monzo £342.45/ £500
Capital £169.40/ £200
Zable - £735.15/ £800
Fashion World £480/ £700
so payment today was to fashion world for £20!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;*update pending as I've no idea*
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #
Pay off all your debts by Christmas 2026! #142 -
Made £14 from Vinted so paying towards Zopa and rounding it so £14.70I’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;*update pending as I've no idea*
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #
Pay off all your debts by Christmas 2026! #142 -
A big part of getting control of things is taking stock of what you owe @Bluejay94
Well done for doing that.
Keep PADdingbas often as you can. It DOES make a difference.
£10 PAD me today.
Ive still got a five figure balance to clear but on the plus side the mortgage is paid off. One of the positives of only transfers I guess but then the money transfers still have to be repaid of course27/5/17 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 -
thanks! Totally agree - Although I wish I was able to get a transfer as it would be a lot easierAntoMac said:A big part of getting control of things is taking stock of what you owe @Bluejay94
Well done for doing that.
Keep PADdingbas often as you can. It DOES make a difference.
£10 PAD me today.
Ive still got a five figure balance to clear but on the plus side the mortgage is paid off. One of the positives of only transfers I guess but then the money transfers still have to be repaid of course
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;*update pending as I've no idea*
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #
Pay off all your debts by Christmas 2026! #141 -
Cashed out £7.19 from prolific so will round up to zopa for £10I’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;*update pending as I've no idea*
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #
Pay off all your debts by Christmas 2026! #142 -
Morning PAD'ers,
The PAD total for the 21st September comes in at £54.70
DM xI feel like a Pelican - everywhere I look there's a bill staring at me!LBM: March 2014 Current CC debt: £2048.29/£3666.53 (55.86% repaid) Current Challenges:Tilly Tidy: £2087.67/£2500 (83.50%) 3 to 6 month emergency fund #75: £3653.62/£6000 (60.89%)2 -
And......
PAD for me today of £16.01
DM xI feel like a Pelican - everywhere I look there's a bill staring at me!LBM: March 2014 Current CC debt: £2048.29/£3666.53 (55.86% repaid) Current Challenges:Tilly Tidy: £2087.67/£2500 (83.50%) 3 to 6 month emergency fund #75: £3653.62/£6000 (60.89%)2 -
Not been on here in a long time as life was happening, but steadily getting back on track. Great to see so many fantastic PADs over the last few weeks! Very impressive 👏🏾👏🏾👏🏾.
Congrats on being mortgage free @AntoMac, that must feel really great.
I've been making payments in the last few weeks but not been able to declare them, but they total £117.62**Also, is anyone able to be counter upper for October 2024?**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 -
PAD of £5.38 to Lloyds CCMortgage free wannabe 2025-2030. Successfully used PAD-ing to clear consumer debt - now for the mortgage challenge!
Mortgage Balance:
31 Dec 2024: £70,550
Mortgage Savings Balance:
31 Dec 2024: £02
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