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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Payment a Day - Chapter 2024
Comments
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Hi all
Happy New Year!
A pad of £3,00 for me today!
Thanks all!
Sorry I've been AWOL!Plan to PAD Everyday 2024Credit Card - £3662.99 (int free to 11/11/25) -PAD TotalsJan 2024 -2 -
27/5/17 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
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Incredible amount last year! A massive thank you for putting in so much effort to keep track of the totals!
£294.82 to Zopa
£24.17 to Tesco
£318.99 PADed today in total!2 -
Good morning! My PAD today is 297.04 to various places please
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 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25713 -
Good morning - £3.15 for me today please.Plan to PAD Everyday 2024Credit Card - £3662.99 (int free to 11/11/25) -PAD TotalsJan 2024 -3
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Morning, what an incredible total for 2023! Amazing!
Todays PAD is: £10.561 -
Thanks for being counter upper for March @AntoMac, I've updated the first page to reflect that.
My PADs are
£50 to Help to Save
£50 to school fees
£50 to emergency fund
£0.02 cashback to debt buster pot
£150.02 total
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 22/502 -
£1 pad please.
SF xTilly Tidying andPADing in 2024 £250.62
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RIP Mum & Dad - thanks for helping me on my journey to be
Debt and Mortgage free from 20181 -
Good morning....here is your grand total for January 1st, and what a grand total it is, a whopping......
£2046.10!!
What a briliant start to the month
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 £20.99
Decluttering items 932
Books read 15
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up3 -
Wow that is a whopper of a total to kickstart 2024! Well done everyone 👏🏾.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 22/501
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