Payment a Day - Chapter 2026

angelicious

Count me in again for 2026 please x

Keedie

Welcome aboard @Changeyourlife25. If you have any PADs to declare before 1 January 2026, then you can add them on the 2025 thread which is still going until 31 December 2025, https://forums.moneysavingexpert.com/discussion/6576211/payment-a-day-chapter-2025#latest.

But only if you have anything to declare, if not, we'll see you on here from the 1 January.

@AntoMac good to see you back again for 2026... 🤗.

Keedie

Good to see you joining in again for 2026 @angelicious, it's such a good challenge isn't it? 

Welcome aboard @I_Love_comps, fair warning, PADding can get a bit addictive 😂.

Ambyth

Can I join please 
It won't be a PAD, I would aim for once a month - transfer the month's final pounds (or pennies!)  to outstanding credit card balance.  

bigbeff

I am in please! Been gone a while and let my fimances get the better of me!

MissMoneyMishap

Hi, can I join please? 

Keedie

Welcome aboard @Ambyth and @MissMoneyMishap and welcome back @bigbeff.

Although 'PAD' stands for Payment a Day, it's also just an acronym for the thread title and the action of paying little bits often to tackle our financial goals. You can PAD as much or as little as you want and whenever it suits you and your budget.

Some people PAD daily, some weekly, monthly or anything in between. Some people PAD debt payments like credit cards, store cards or loan repayments (to institutions or family) or completing the balance on a pre booked holiday or mortgage payments. With savings this can range rounding down bank accounts into savings, putting the spare change into a tin, savings challenges, ISA payments etc. 

It really is down to the individual what you want to do, just remember to declare your PADs here so that we can all celebrate each other's achievements.

DebtBustingButterfly

Hiya. Please may I join? Been doing this a fair amount this year already and would love to document it here. 

Makingabobor2

Think I might join up and try again. I did do it previously, but fell off the wagon I fear.  Although we did end up paying our mortgage off early, we still have debts that I am determined to get down. So on top of our normal monthly payments to these, I want to PAD some to my Debt Busting Saving account, where I am saving up a bit more to pay off and maybe try and get them to agree some full & final settlements.  All debts are interest free and we have been self managing them for a few years now, as felt that a proper DMP just wasn't working for us. I need to be able to live and save, as well as paying off the debts.  Hoping joining the thread again, might spur me on, to get them gone ASAP.  So my daily PADs will just be the extra going to the debts, with a once a month PAD which will include the monthly agreed payments.  

rsdiscos

Hi all! I’m a lapsed padded and haven’t been around for a while but I’d love to get back into it as padding made a big difference when I religiously did it! 

Happy to be a counterupper too if needed! 

Thanks all and here’s to a debt busting/savings growing 2026!