Payment a Day - Chapter 2024

LittleMissDetermined

Good morning! 
Just £5 to the sabbatical for me today
LMD x

Aimingforthegoodlife

My payday today, added £120 to my savings and £3.12 from accounts, another lovely PAD total of £123.12


(After I typed this, I glanced at the post and felt super happy that it is 123.12, small things, haha)

LittleMissDetermined

Morning! £5 to the sabbatical today
LMD x

Aimingforthegoodlife

Morning, ahh money shuffle day, makes me happy! PAD is a respectable £3.43 today

CoffeeSonata

I am so excited to make this one: 

£110  PAD Today. 

Next account is now paid off in full. 

That's my first debt fully paid off. I wasn't sure I could. I'd forgotten I'd paid more than 1/2 the cost of the dental hygienst already, and I had the dentist amount set aside.  Hygienist and dentist happier and confirmed things are looking much better, I can go less frequently and don't need anything sorting. So I felt more confident I had spare money and not dental treatment to save for. I do need a retainer, but I knew that and have plans to cover that next month anyway. 

 So I put the amount I set aside but didn't need (thanks deposit!)  to the next statement balance before the due date, to avoid paying any interet this month.  Then I re-organised a little because I was so near a 0 balance then, and decided to forgo some discretionary spending this week, and reallocate some extra income from usertesting that I normally add to true expenses/sinking fund savings, to pay off the additional full amount of £38.  To bring me to a proper 0. 

I didn't think I would manage to pay this off until at least April, and worry a bit I might have gone too fast, but I don't think I have if I'm otherwise careful and stick to budget. 

I'm so relieved and happy. Never. Again. Next. 

@LittleMissDetermined, @a@AntoMac @a@Aimingforthegoodlife thanks for the reassurance and widsom on whether to close it or not.  Getting a balance like that isn't that typical for me - it was a by product of very low income, disorganisation from being so ill for 12 ish months, and I don't think will happen again. Clothes and gifts are usually covered with sinking funds/budgeted for yes.  So I think since I do use it, and it's useful at times I will keep it open and monitor spending and behaviour closely to check. If it seems too tempting, I'll close it then.

@Aimingforthegoodlife  that lovely figure would please me too! 

AntoMac

£178.12

Total for 22 March 24

Divingmad

Morning all,
PAD today of £24.26 to the savings pots
DM x

LittleMissDetermined

Good morning, £5 to the sabbatical today
LMD x

Aimingforthegoodlife

@CoffeeSonata huge congratulations! That is an amazing achievement, I am so pleased for you! I am sure you have worked out your sums and it will all work out. It is weird how sometimes I don't think we have any give in the budget, but all of a sudden, I can find at least £1 a day from two separate accounts for a whole month, yet I wouldn't have thought I could spare £30 each at the start! 

PAD of £3.49 today

Keedie

I've finally repaid the last £200 to my mum and put £14 in coin challenges and £5 towards the 50 envelope challenge.

So £219 total

I can't believe I've finally finished my debt to my mum and I now only have Barclaycard to worry about. Such a freeing feeling...! 🤗