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Payment a Day - Chapter 2024

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  • BlueJ94
    BlueJ94 Posts: 2,798 Ambassador
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    Morning! Pinned so easier for people to find :smile:
     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;

    Salad Money - £616.47/£1200 JAJA - £679.70/ £900 Zable - £338.60/£1300 = £1,634.77

  • TheScarletPixie
    TheScarletPixie Posts: 71 Forumite
    Part of the Furniture 10 Posts Name Dropper Combo Breaker
    Please may I join you?  I have a lot of debts to clear since buying our house and I think this will help me focus.  I'm on a mission to reduce what I owe as much as I possibly can.
    2024 Challenges
    January 2024 Grocery Challenge £0/£400, NSD's Jan 3/20, Make £2024 for 2024 Challenge 0/2024, £1 a day for Christmas 2024 £38/£366, Cash envelope challenge #12, Declutter Challenge 47/2024, SPC #042 4.68, 2024 PAD challenge
    Total Debts Dec 23 £115111.20 (5 creditors), Jan 23 £114712.80 (5 creditors)

  • Keedie
    Keedie Posts: 2,846 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Combo Breaker
    Oh did you make it an announcement @BlueJ94? If so, thank you very much as I was wondering how that happens. 

    Of course you can join @thescarletpixie. This challenge has motivated me to clear thousands in debt and begin to develop savings, so I'm sure it will help you too, and I look forward to seeing you achieve your goals in 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 22/50
  • BlueJ94
    BlueJ94 Posts: 2,798 Ambassador
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    I did @Keedie makes it easier to find :smile:
     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;

    Salad Money - £616.47/£1200 JAJA - £679.70/ £900 Zable - £338.60/£1300 = £1,634.77

  • Keedie
    Keedie Posts: 2,846 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Combo Breaker
    Much appreciated @BlueJ94, as it's great challenge as it's simple but effective and now more people can find us and join in 🤗.

    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 22/50
  • Doily94
    Doily94 Posts: 585 Forumite
    500 Posts Third Anniversary Name Dropper Photogenic
    I am coming back to a shiny new thread after falling off the wagon last year and am back with more debt, but I am desperate to start again and get debt free for good this time. 

    Have made a PAD to my loan today of £11.40 to kick off. 
    PAYDBC24 #8 ~ £10188.21
  • Keedie
    Keedie Posts: 2,846 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Combo Breaker
    Hey @Doily94, great to have you back. Life happens sometimes and we do have to take a couple of steps back, but the main thing is that you're ready to start afresh. 

    I'll add your PAD under the 2023 thread, as we're just wrapping that one up and we'll start on here from Mon 1 Jan. xx

    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 22/50
  • Aimingforthegoodlife
    Aimingforthegoodlife Posts: 1,138 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    edited 1 January 2024 at 2:05PM
    Morning! Happy New Year! First PAD of 2024 at £262.36 today :smiley:

    Edited at 1300 hours to add £200 on, have moved this to the holiday fund, was uhming and ahing how much to send!
  • Sallyforth
    Sallyforth Posts: 601 Forumite
    Part of the Furniture 500 Posts Name Dropper Photogenic
    Good morning and a very Happy New Year to each and all here!

    As I adjusted my goals and savings plans late in 2023 I've decided to carry the total over to this year and start big with a £94.63 PAD please.

    I've also decided to PAD £1 a day from my monthly housekeeping budget so I never miss a day and I'll add anything extra I make to that.  

    SF x
    Tilly Tidying and
    PADing in 2024 £250.62
    ___________________________________________________________________________________________

    RIP Mum & Dad - thanks for helping me on my journey to be
    Debt and Mortgage free from 2018

  • CMD79
    CMD79 Posts: 751 Forumite
    500 Posts Second Anniversary Name Dropper
    Doily94 said:
    I am coming back to a shiny new thread after falling off the wagon last year and am back with more debt, but I am desperate to start again and get debt free for good this time. 

    Have made a PAD to my loan today of £11.40 to kick off. 
    Same as me! I should have been debt free today.... and I'm not! So!!!

    This is the year @Doily94!! There's loads of us here who really mean in this year!! 
    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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