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Payment a Day - Chapter 2025

Keedie
Posts: 2,660 Forumite

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
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)
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
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
5
Comments
-
It's been a while since I PADded, but I'd love to join in again for 2025 if you'll have me?0
-
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 0/500 -
Please may I join too Keedie
February NSD 3/15
February grocery challenge £0/£300
Febrary PAD £1251 -
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 0/501 -
Hi can I join in too please from weds? Looking forward to getting my credit card paid off ☺️1
-
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 0/501 -
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...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £1924 | EF £1031/£1000 | Sabbatical £2393/£3000 | Travel savings £1264 | Sinking pots £34631 -
I'd love to join please ❤️ I'm convinced that 2025 is gonna be my year hahaMake £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 £11354.921 -
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 0/501 -
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: £609.19/61001
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