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Payment a Day - Chapter 2024
Comments
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Another £4 tonight please27/5/17 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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Hi I have just found this challenge I am going to get started today. I have a lot to pay off but have committed to myself to save and pay off this year to start 2025 with about half my debt gone. Do we just post everyday with what we pay off or a total at the end if each week or month?4
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Hi Mimismoney,
Welcome to the group 😀
You can post as and when you want, some PAD each day and some as and when a PAD is made, its whatever works best for you 😀
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%)2 -
Welcome aboard @Mimismoney23, great to have you and as @Divingmad said, it's up to you how and when you post. Some do it daily and others as when they can. You can include your debt payments, savings and sinking funds etc, it's down to personal preference. And if you forget to post, you can just include with your next PAD.
We have daily totals to see what we've done the day before and a monthly total. The first page has a running total of where we are each month and then I'll do a grand total for 2024 in the new year and then we'll start the next thread for 2025, so you can continue on your journey with us. Just state your total PAD in bold to make it easier for whoever is counter upper to see what your amount is.
Got another PAD for today, £2.81 to the coin challenges.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 -
Welcome @Mimismoney23 👋
I’m a habitual daily PADder as it gets quite addictive…
£20.50 to various places today 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 £25712 -
£41 today 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 -
Welcome @Mimismoney23 I tend to PAD a day unless I forget/run out of time/am away! It has become very addictive, on my own diary I tot up the week then the month and the impact is incredible! But however it works for you is the best, good luck!
£5.48 for me today
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All the best with paying down those debts!
Daily for me but just the little extra bit that I'm doing on top of my budget.
So...
£10 to CC1Jan 2022
Owed approx 70,000 in consumer debt
Dec 2024/August 2025
Loan 1 4750/0
Loan 2 10690/0
Card 1 10764/7578
Card 2 5674/4230
Card 3 5158/0
Total 37036/11803
Emergency Fund 0/2000
2022 Over 70k debt. Time to change!
2022-25 Paying off debt.
2025 Cash lump sum used to pay down debt quicker than hoped.
2025+???? Stay happy and in control of my finances2 -
Afternoon all,
The total PAD for 1 May 2024 was a whopping
£2,118.35! 👏🏾We're at the start of a new month and it's so good to see new people joining us. No matter where we are in our finance journeys, life changes and we often have to adapt. But if you feel pressure from that change, or want the perfect conditions before you start, just remember...
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 -
Back with my own PADs,
£20 to the birthday pot
£1.19 to the penny pot
£21.19 totalDebt 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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