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Payment a Day - Chapter 2025

Keedie
Keedie Posts: 2,660 Forumite
Eighth Anniversary 1,000 Posts Photogenic Combo Breaker
Small Payments. BIG Impact. Making a small (or large) Payment a Day (PAD) - or whenever your budget allows - towards debts or savings all adds up really quickly! And can change your financial future...

Hey everyone,

Welcome to the Payment A Day - Chapter 2025 challenge! (this will start from 1 January 2025)

We've decided to start a new thread challenge each year as the last one by Kirstypoos for Payment a Day Chapter 18 was over 1,150 pages long and spanned nearly 6 years 😳👏🏾! If you want to see our latest thread, check it out here Payment a Day - Chapter 2024 and it also follows the principles of the thread originally started by Emily Hallett (we always give credit where credit is due 😁).

But what is Payment A Day (PAD) and what is included?
Well... the idea is that you make any extra payment a day towards your debts or savings, to either clear your debt quicker or build your savings at a faster rate. There is no minimum amount, you could PAD anything from £0.01 to £1,000s, as it just depends on your individual budget, targets and circumstances. Some of us PAD everyday, some sporadically and some save their PADs to make targeted payments once a month. You can PAD your minimum payments, additional payments, mortgage payments, sinking funds, savings challenges, it really is down to you, the only rule is that you post your PADs so we can share and celebrate your achievements 🥳.

How do I join and do I need a number?
Everyone's welcome and you can join at any time in the year, and no challenge number/identifier is needed, just pop along as it's never too late to start PADding. We're a friendly bunch, if slightly addicted to PADding (if you know, you know 😉) and if you ever need any advice or inspiration, you'll be sure that one of us can help you.

What is a counter upper?
To help us stay motivated, each month we have someone counting up each day's total (hence the name counter upper) and they declare the total for each month then pass the baton onto a new counter upper. To help the counter upper keep track of everything, please declare your PAD in bold

🎉 PADding Power 🎉

In 2024, we were on 🔥 and our total PAD was
£128,461.47!!!
 

Our achievements for 2025 will be updated as we go along...

January 2025 = £10,385.64 (thanks to @Divingmad as counter upper)
February 2025 = (thanks to @LittleMissDetermined  as counter upper) 
March 2025 = 
April 2025 = 
May 2025 = 
June 205 = 
July 2025 = 
August 2025 = 
September 2025 = 
October 2025 = 
November 2025 =
December 2025 = (thanks to @keedie as counter upper)

We hope you'll join us and Happy PADding! 🤗
Debt Free Diary:- The Mental Debt Struggle
Debt Tracking Restart Take 4 from 01/01/2025 = £26,286.30 (9 creditors) So, on 28/01/2025 = £17,961.30/£23,643.30 (3 creditors) = 68.33% repaid

CREDITORS: Argos Card (£143/£293) 48.81% || Barclaycard (£8,336.23/£16,566.23) 61.90% repaid || MBNA £50/£3,000 1.67% repaid

(Original Debt on 15/07/2016 was £33,056.76) 🙈

2025 SAVINGS: Emergency Fund (£0/£1,000) 0% saved
2025 CHALLENGES: #16 Sealed Pot Challenge ~ 18 || #9 50 Envelope Challenge 0/50
«13456741

Comments

  • Dizzy_Imp
    Dizzy_Imp Posts: 2,782 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper Photogenic
    It's been a while since I PADded, but I'd love to join in again for 2025 if you'll have me?
  • Keedie
    Keedie Posts: 2,660 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Combo Breaker
    Of course we'll have you @Dizzy_Imp, and welcome back!

    We'll start posting our PADs on this thread from 1 January 2025, so if you have anything to PAD before the New Year, please post it on the current 2024 thread, Payment a Day - Chapter 2024.
    Debt Free Diary:- The Mental Debt Struggle
    Debt Tracking Restart Take 4 from 01/01/2025 = £26,286.30 (9 creditors) So, on 28/01/2025 = £17,961.30/£23,643.30 (3 creditors) = 68.33% repaid

    CREDITORS: Argos Card (£143/£293) 48.81% || Barclaycard (£8,336.23/£16,566.23) 61.90% repaid || MBNA £50/£3,000 1.67% repaid

    (Original Debt on 15/07/2016 was £33,056.76) 🙈

    2025 SAVINGS: Emergency Fund (£0/£1,000) 0% saved
    2025 CHALLENGES: #16 Sealed Pot Challenge ~ 18 || #9 50 Envelope Challenge 0/50
  • cuddlymarm
    cuddlymarm Posts: 1,994 Forumite
    Part of the Furniture 1,000 Posts
    Please may I join too Keedie 

    February NSD 3/15
    February grocery challenge £0/£300
    Febrary PAD £125
  • Keedie
    Keedie Posts: 2,660 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Combo Breaker
    Of course you can @cuddlymarm, welcome aboard. We'll start on Wednesday 1 January 2025, but if you have any PADs to declare before then, you can pop them on the current 2024 thread Payment a Day - Chapter 2024.
    Debt Free Diary:- The Mental Debt Struggle
    Debt Tracking Restart Take 4 from 01/01/2025 = £26,286.30 (9 creditors) So, on 28/01/2025 = £17,961.30/£23,643.30 (3 creditors) = 68.33% repaid

    CREDITORS: Argos Card (£143/£293) 48.81% || Barclaycard (£8,336.23/£16,566.23) 61.90% repaid || MBNA £50/£3,000 1.67% repaid

    (Original Debt on 15/07/2016 was £33,056.76) 🙈

    2025 SAVINGS: Emergency Fund (£0/£1,000) 0% saved
    2025 CHALLENGES: #16 Sealed Pot Challenge ~ 18 || #9 50 Envelope Challenge 0/50
  • meeemee
    meeemee Posts: 271 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    Hi can I join in too please from weds? Looking forward to getting my credit card paid off ☺️
  • Keedie
    Keedie Posts: 2,660 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Combo Breaker
    Yep definitely @meeemee, you're more than welcome to join.

    If you have anything to PAD today or tomorrow, then you can pop it on the Payment a Day - Chapter 2024 thread to be added to 2024's totals.
    Debt Free Diary:- The Mental Debt Struggle
    Debt Tracking Restart Take 4 from 01/01/2025 = £26,286.30 (9 creditors) So, on 28/01/2025 = £17,961.30/£23,643.30 (3 creditors) = 68.33% repaid

    CREDITORS: Argos Card (£143/£293) 48.81% || Barclaycard (£8,336.23/£16,566.23) 61.90% repaid || MBNA £50/£3,000 1.67% repaid

    (Original Debt on 15/07/2016 was £33,056.76) 🙈

    2025 SAVINGS: Emergency Fund (£0/£1,000) 0% saved
    2025 CHALLENGES: #16 Sealed Pot Challenge ~ 18 || #9 50 Envelope Challenge 0/50
  • Lovely to see so many new PADders joining us for 2025 :) Welcome! 
    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 £1924 | EF £1031/£1000 | Sabbatical £2393/£3000 | Travel savings £1264 | Sinking pots £3463
  • Pauper1
    Pauper1 Posts: 497 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    I'd love to join please ❤️ I'm convinced that 2025 is gonna be my year haha
    Make £2025 in 2025 - £292.69/£2025
    1p savings challenge #32 £7.41/£667.95

    February - 3/20 NSD, £118.10/£168.75 made, PAD £7/£28, 1p savings £2.45/£12.74, £57.18/£400 GC

    Total debts Jan 1st £11706.68 😭
    Jan 29th £11354.92
  • Keedie
    Keedie Posts: 2,660 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Combo Breaker
    It is great to see so many new PADders @LittleMissDetermined

    And yes @Pauper1, make 2025 the best you can and welcome aboard. I can't believe we're 6 hours away from 2025. Eek! 😂


    Debt Free Diary:- The Mental Debt Struggle
    Debt Tracking Restart Take 4 from 01/01/2025 = £26,286.30 (9 creditors) So, on 28/01/2025 = £17,961.30/£23,643.30 (3 creditors) = 68.33% repaid

    CREDITORS: Argos Card (£143/£293) 48.81% || Barclaycard (£8,336.23/£16,566.23) 61.90% repaid || MBNA £50/£3,000 1.67% repaid

    (Original Debt on 15/07/2016 was £33,056.76) 🙈

    2025 SAVINGS: Emergency Fund (£0/£1,000) 0% saved
    2025 CHALLENGES: #16 Sealed Pot Challenge ~ 18 || #9 50 Envelope Challenge 0/50
  • angelicious
    angelicious Posts: 255 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    Can I join please? Looking to get my debt paid ASAP and this will definitely help!
    Save £25,000 in 2025: #45-£524.15/25, 000

    PAD 2025: £609.19/6100
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