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Payment a Day - Chapter 2024

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Comments

  • LittleMissDetermined
    LittleMissDetermined Posts: 9,707 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Photogenic
    Sorry! I forgot to PAD yesterday... well, I PADded but forgot to post.

    £17 to savings today
    LMD x
    Life gets in the way...PADding is addictive...Saving's better than spending...
    My savings diary - Now for a healthier, wealthier me
    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
    Afternoon all,

    The total PAD for 19 May 2024 was £20.60

    Today's quote speaks for itself...
    75 Inspirational Quotes About Life And Happiness Inspirational quotes motivation Inspiring quotes about life Motivational quotes
    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
  • Sprogs83
    Sprogs83 Posts: 4 Newbie
    First Post
    Hi all, 

    I found this group whilst looking at debt management options, and I want in on these shenanigans!

    I am also trying to give up smoking, so my big idea is to try and PAD with money I would usually spend on cigarettes......

    I have about £13k to pay off, starting now ♥️, £15 PAD to Tesco Bank credit card today.

    Thank you!
  • Keedie
    Keedie Posts: 2,856 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Combo Breaker
    My PADs are £10 to my son's 18th birthday pot and £20 to the emergency fund.

    So £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
  • Keedie
    Keedie Posts: 2,856 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Combo Breaker
    Welcome aboard @Sprogs83. PADding money that you would have spent on cigarettes is a great idea. And you'll be surprised how much progress you'll make with your debts if you keep PADding. The support on this thread, and taking accountability and inspiration from others will make all the difference. Good luck. x
    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
  • AntoMac
    AntoMac Posts: 2,746 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper Combo Breaker
    £65 to MBNA 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
  • Prodigal50
    Prodigal50 Posts: 112 Forumite
    100 Posts Second Anniversary Name Dropper
    Morning everyone :-)

    £10 to CC1
    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

  • Aimingforthegoodlife
    Aimingforthegoodlife Posts: 1,138 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Welcome @Sprogs83 since finding this group I have remained accountable will minimal missed days, it has been incredibly helpful and supportive! Good luck!

    PAD today: £26
  • Keedie
    Keedie Posts: 2,856 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Combo Breaker
    Morning all,

    The total PAD for 20 May 2024 was £154

    Sometimes we have a lot of stress, or we get worn down by the daily grind which can make adulting a bit painful. If you ever wish for the simplicity of youth, or wonder where all the carefree joy went, just know that...
    No photo description available



    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
  • LittleMissDetermined
    LittleMissDetermined Posts: 9,707 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Photogenic
    edited 21 May 2024 at 8:38AM
    Morning
    £25 to savings
    LMD x
    Life gets in the way...PADding is addictive...Saving's better than spending...
    My savings diary - Now for a healthier, wealthier me
    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
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