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Payment a Day - Chapter 2024
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Good morning!
Just £5 to the sabbatical for me today
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 #017EF £1000/£1000 | Sabbatical £4055/£60001 -
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)2 -
Morning! £5 to the sabbatical today
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 #017EF £1000/£1000 | Sabbatical £4055/£60001 -
Morning, ahh money shuffle day, makes me happy! PAD is a respectable £3.43 today0
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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!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 -
£178.12
Total for 22 March 24
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 -
Morning all,
PAD today of £24.26 to the savings pots
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 -
Good morning, £5 to the sabbatical today
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 #017EF £1000/£1000 | Sabbatical £4055/£60001 -
@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 today1 -
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...! 🤗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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