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Payment a Day - Chapter 2026
Comments
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£22 off overdraft for me please!
Great start - well done
I'm always in it. It's just the depth that varies.Immediate Problem: Overdraft: £752.59 * Paypal £671.07 * Creation £592.74 = £2,016.04Phase 1: Vanquis CC £4100.11 * Tesco CC £3996.60 * Capital One CC £3800 = £11,896.71Phase 2: Zopa Loan: £12,7551 -
CC £8.00
1p Challenge £6.37
Total
£14.37I am a Senior Ambassador on the Competitions Time Board and the Old Style MoneySaving Board.
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Evening All,
The total PAD for 6 January 2026 was £350.93
One of my all time favourite 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 🎉3 -
Can I count paying off all my CCs and loans using another loan? If so 8k please 😂I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
Debt owed;Admiral - £0/£8000
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #8 £31.65
Pay off all your debts by Christmas 2026! #14 £74.77/£8000
Savings goal £91.50/£10000 -
PAD all to cc1:
£2.33
Pay Off Debts by Xmas 2026; £0 / £6201.561 -
You certainly can include CC debt payments. Am I correct in thinking you paid £8k?! If so, well done 🥳.BlueJ94 said:Can I count paying off all my CCs and loans using another loan? If so 8k please 😂Debt Free Diary:- The Mental Debt Struggle
(Original Debt on 15/07/2016 was £33,056.76) 🙈 but Debt Free on 09/02/2025 🎉0 -
you did it you got this 💪🏻BlueJ94 said:Can I count paying off all my CCs and loans using another loan? If so 8k please 😂#no 3 Debts off by Xmas 2026 £633.58/£15,250
NSD Jan 10/20
#no 13 365 days 1p challenge 2026
£17.70/£667.95 paid 59/365
#no 2 £2 coin savers challenge 2026 £8 #no 11 SPC 19 £44 banked restart £1.62
2026 PAD challenge £660
1% challenge = 4%
#cc1 200/4100 29%
#cc2 NatWest 150/3400 29%
#cc3 Halifax 0/2150 22%
#cc4. MBNA 80 /5600 22%
#loan1 /14000 7.2%
#loan2 /11000 13%
#family loan /3000 0%#solicitors /35001 -
£20 to savings today please0
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I used a consolidation loan to pay all debts so now I only have the one payment going outKeedie said:
You certainly can include CC debt payments. Am I correct in thinking you paid £8k?! If so, well done 🥳.BlueJ94 said:Can I count paying off all my CCs and loans using another loan? If so 8k please 😂
I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
Debt owed;Admiral - £0/£8000
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #8 £31.65
Pay off all your debts by Christmas 2026! #14 £74.77/£8000
Savings goal £91.50/£10001 -
Today's pad is £3.44! Cheers.Plan to PAD Everyday 2026Credit Card - £2864.24 int free to 31/05/26) -PAD TotalsJan 2026 - £141.03 4.92% paid!1
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