Payment a Day - Chapter 2026

Keedie

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 2026 challenge! (this will start from 1 January 2026)

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 2025 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 2025, we were on 🔥 and our total PAD was
£TBC!!! 

Our achievements for 2026 will be updated as we go along...

January 2026 = (thanks to @keedie as counter upper)
February 2026 = 
March 2026 = 
April 2026 = 
May 2026 = 
June 2026 = 
July 2026 = 
August 2026 =  
September 2026 = 
October 2026 = 
November 2026 = 
December 2026 = 

We hope you'll join us and Happy PADding! 🤗

ThriftyPrincess40

Oooo thank you for doing this thread and @keedie for counterupping. Please can I join? I can’t do daily but can do weekly 👍

BlueJ94

Please can I join?

I_Love_comps

I would like to join this challenge please.

Keedie

You're definitely both welcome @ThriftyPrincess40 and @BlueJ94. Just PAD as often as you are able to, and no pressure. It's a fun way to save or pay down debts, so just make it your own. x

LittleMissDetermined

Sign me up for another year Keedie!

Keedie

Great stuff @LittleMissDetermined!

I'm going to be more consistent in 2026, as I was too distracted towards the end of 2025 and it shows in how I handled my finances. Consistency is key, even if you can't PAD daily or weekly, it's the thought process of money management that I realised I have been missing.

BlueJ94

Added this new thread as an announcement. Let me know if it worked!

Keedie

Thanks for the announcement @BlueJ94, it has worked 🤗.

AntoMac

Looking forward to joining in again. Thanks @Keedie

Changeyourlife25

I’ll join please!!

See you back on the 1st for some padding! 💪💪