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Payment a Day - Chapter 2024

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Comments

  • Keedie
    Keedie Posts: 2,856 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Combo Breaker
    Morning all,

    The total PAD for 5 May 2024 was £378.48

    I was thinking about the consistency of PADding, how addictive it can be to see all those little amounts building up and how being more intentional with our money means that we attract a different approach to our finances and what they can do for us. And it reminded me that...
    50 Empowering Quotes on Finances to Help Your Money Habits - Self
    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 22/50
  • Keedie
    Keedie Posts: 2,856 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Combo Breaker
    My PADs are 

    £20 to the emergency fund
    £10 to my son's 18th birthday pot

    £30 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 22/50
  • MFW2023
    MFW2023 Posts: 62 Forumite
    10 Posts First Anniversary
    edited 6 May 2024 at 9:31PM
    PAD of £1.73 to Nationwide Loan. 
    PAD of £1.00 to Lloyds CC. 
    Mortgage free wannabe 2025-2030.  Successfully used PAD-ing to clear consumer debt - now for the mortgage challenge!

    Mortgage Balance
    :
    31 Dec 2024: £70,550

    Mortgage Savings Balance:
    31 Dec 2024: £0

  • AntoMac
    AntoMac Posts: 2,746 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper Combo Breaker
    £12 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 5
  • Sorry it’s late 
    £95 today please 
    LMD x
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £2571
  • Prodigal50
    Prodigal50 Posts: 112 Forumite
    100 Posts Second Anniversary Name Dropper
    The birds are singing beautifully today:-)

    £10 to CC1 please
    Jan 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 finances

  • Morning!  £298.19 to various places today please
    LMD x
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £2571
  • Back already with a Prolific payment of £6.77
    LMD x
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £2571
  • Keedie
    Keedie Posts: 2,856 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Combo Breaker
    Morning all,

    The total PAD for 6 May 2024 was £149.73

    I don't have a quote today, but I saw this online and thought it was really beautiful and made me smile, so I thought I'd share as it's so idyllic, and makes you realise how lucky we are to live in a world where places like this exist...
    10 of the Most Beautiful Landscapes in the World
    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 22/50
  • lilian1977
    lilian1977 Posts: 5,157 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Hi @Keedie - is it possible to join please? 

    PAD £9.04 to Natwest Credit Card. 
    My debt free diary | Post Office loan: £2131 1429.38 | Barclaycard: £4429 1988.12 | Paypal Credit £322.71 574.91 | Monzo Flex £169.03 |

    Total £4151.44 | £2900.30 of £7051.74 paid off since diary started October 2024.
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