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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 23 May 2024 was £93.28

    Although it's never easy, we need to have a balance in life and some form of a plan, before it is too late, as...
    Johann Wolfgang von Goethe Quote Many people take no care of their money till they come nearly to the end of it and others do just the same with their t
    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
    £2 to Nationwide Loan.  Feeling like an uphill struggle at the moment, but the daily PAD is helping me along.
    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

  • Keedie
    Keedie Posts: 2,856 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Combo Breaker
    I hope things start to feel better for you soon @MFW2023 x.

    My PAD is £5.40 to 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 22/50
  • Keedie
    Keedie Posts: 2,856 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Combo Breaker
    Morning all,

    The total PAD for 24 May 2024 was £889.31

    Sometimes we're just plodding along in life, and that's okay. It may be overwhelming to keep going, or from not having a concrete plan of action, but...
    image
    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
  • Prodigal50
    Prodigal50 Posts: 112 Forumite
    100 Posts Second Anniversary Name Dropper
    Morning all :-)

    £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

  • LittleMissDetermined
    LittleMissDetermined Posts: 9,707 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Photogenic
    Morning, just £5 to the sabbatical today please
    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
  • Aimingforthegoodlife
    Aimingforthegoodlife Posts: 1,138 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Morning, £2.97 PAD today. @MFW2023 I hope things start to flatten out soon, well done on keeping PADding!
  • AntoMac
    AntoMac Posts: 2,746 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper Combo Breaker
    Keep going @MFW2023  
    Every single PAD, however big or small, makes a difference.
    My own PAD today is£23 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
  • MFW2023
    MFW2023 Posts: 62 Forumite
    10 Posts First Anniversary
    Thanks everyone for the support :smile:

    £2.15 to Nationwide Loan today.
    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

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

    The total PAD for 25 May 2024 was £48.52

    I've recently come across the term 'soft life', and it has made me think of all the things in life that I could make some subtle or major changes to, that would reduce stress and provide a relatively chilled lifestyle. I'm inspired to think more on this, and figured that it's ultimately everyone's goal, but we just chase different concepts of what makes a good life. So if anyone is interested or wondering what the hell I'm on about, here it is...
    Pin on self motivation
    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
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