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Payment a Day - Chapter 2024
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I'm new to this challenge, should I be including my normal payments to mortgage, cc's in my totals? I thought I should check before declaring my total. TIA
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)1 -
You can declare mortgage and credit card payments in your PADs @TheScarletPixie if you want to, as some people do and others only declare overpayments. It's up to you as budgets are personal 🤗. I include my normal direct debit minimum payments as well as overpayments.
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 -
PAD for me today of £34.56PAYDBC24 #8 ~ £10188.211
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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 -
Just £1 to Christmas/Birthday pot for me todayMaking the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,744....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £450/£3000
.
Fiver Friday '25 #10 £15
Studies/surveys July £72.46
Decluttering items 753
Books read 12
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up1 -
£3.99 to the overpayment pot today
Total debt remaining £15,664.211 -
Evening PAD'ers,
PAD today of £642.29 to the mortgage and car loan
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%)1 -
Happy New Year everyone!Sneaking on for the 2nd (ignoring it’s past midnight) as lots of PADs!£87.42 to various debt inc slight overpayments
£8.90 to bills month ahead saving pot
£8.35 to grocery month ahead (this is where my additional income for UserTesting is going this month if not absolutely needed elsewhere )
£1 save change to buffer fund (for starling spending account )
£7.60 to general debt payoff pot
totals : £87.42 to debt
£25.85 to savings
total = £113.37
which having added it up I’m really pleased about. Buffer fund is now at my first target of £50 which I’m planning to keep in there mostly at all times. Thought it would take me ages to get there - but it didn’t !Thinking of more slowly increasing to £100 to act as a sort of overdraft for general spending account.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 -
Morning all, PAD of £12.99 today0
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£4.45 between debt and savings please
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 52
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