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Payment a Day - Chapter 2024
Comments
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£5.26 PAD todayFebruary NSDs: 0 / 10
February PADs: 2 / 29
February Groceries Challenge: £59 / £250
February Make £5 a Day: £255 / £145
Current Debt: £3159 | CC £1490 | N £571 | C £725 | E £373
Weight Loss Challenge 2024: 0 lbs0 -
@Charlotte_88_24that's fab, especially for mid-Jan! Well done.
I'm back with some unexpected wins & extra money clearing.
PAD today: £211.84.
To savings but some of that is debt payment pots that will be paid later all being well.
Made possible by someone very kind giving me an unexpected birthday gift of £200, cashback clearing which I didn't expect to clear, usertesting payment going through and two standing orders I'd forgotten about yesterday that send £1 to the buffer fund and £1 to a holiday saving pot that is my ISA.
So £152.25 went to bills month ahead pot.
£50 to debt payments month ahead pot (is this savings? Is it debt payments, who knows! I will make sure I don't count it twice)
£1 to buffer fund.
£1 to holiday saving fund.
£6.95 to grocery fund month ahead/bulk fund.
This brings my bills month ahead fund up to 100% - now fully funded at regular monthly bills a month ahead.
The relief to not have to think about juggling next month finally again is unreal.Now to get debt minimum payments a full month ahead, and then a very basic amount of grocery budget a month ahead.
I think I MIGHT be winning.Monthly Challenges| March Grocery Challenge - £255/£330 | Make £10 a Day - £112/£310
2024 Challenges Pay-Off Debt for Christmas - £874/£6000
Savings Goals Emergency Fund - £75/£2000 | Month Ahead Bills | Month Ahead Minimum Debt Repayments
Month Ahead Grocery - £0/£30 [Month Ahead True Expenses £0/?]
My Debt Free Diary:
https://forums.moneysavingexpert.com/discussion/6490048/a-cup-of-coffee-and-two-paracetamol-debt-disability-and-getting-organised-like-the-chickens2 -
£5 today to different pots
Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,304....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £650/£3000
.
Studies/surveys October £21.15
Decluttering items 1202/2025
Books read 18
Jigsaws done 11
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up0 -
Good morning
Starting with £14.80 to savings, will be back later to add more to savings challenges.
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 £7390 | EF £1000/£1000 | Sabbatical £3677/£6000 | Travel savings £1832 | Sinking pots £31070 -
Just my promised £1 PAD pilfered from my groceries budget which seems to be working well and unmissed so far. That could be because I'm on the usual post-Christmas diet so spending less on food (and drink!).
SF xTilly Tidying andPADing in 2024 £250.62
___________________________________________________________________________________________
RIP Mum & Dad - thanks for helping me on my journey to be
Debt and Mortgage free from 20181 -
Morning, PAD of £5.95 today0
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£247.68 was yesterday's grand total. Keep on PADding everybody..Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,304....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £650/£3000
.
Studies/surveys October £21.15
Decluttering items 1202/2025
Books read 18
Jigsaws done 11
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up6 -
£20 to various pots thanks to a prolific cash out and a no spend day
Total debt remaining £15,664.211 -
Back with another £28 from my dice challenges to savings
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 £7390 | EF £1000/£1000 | Sabbatical £3677/£6000 | Travel savings £1832 | Sinking pots £31070 -
£5.51 PAD todayFebruary NSDs: 0 / 10
February PADs: 2 / 29
February Groceries Challenge: £59 / £250
February Make £5 a Day: £255 / £145
Current Debt: £3159 | CC £1490 | N £571 | C £725 | E £373
Weight Loss Challenge 2024: 0 lbs0
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