We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Payment a Day - Chapter 2026

Comments

LittleMissDetermined Posts: 10,233 Forumite

15 January at 8:17AM

Morning!
£7 added to savings today
LMD x

Life gets in the way...PADding is addictive...Saving's better than spending...
My savings diary - Now for a healthier, wealthier me

2026 1p challenge #7 | Cash envelope challenge #01 | SPC #017

EF £1000/£1000 | Sabbatical £4220/£6000

1
Keedie Posts: 3,040 Forumite

15 January at 9:08AM

Morning All,
The total PAD for 14 January 2026 was £189.99
Life is not always easy, but sometimes perspective helps...

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
Makingabobor2 Posts: 4,567 Forumite

15 January at 12:44PM

Keedie said:

Morning All,
The total PAD for 14 January 2026 was £189.99
Life is not always easy, but sometimes perspective helps...

That's a good quote. Need to remember that one and print it out and stick it on the front of my diary I think.

Making the debt go down and savings go up

LBM 2015 - debt £57K / Now £27,424....its going down

Mortgage Free December 9th 2024! 18mths ahead of schedule.
Challenges
EF  £1150/£3000
.

Studies/surveys January £44.56

Decluttering items 1402/2025. 54/2026
Books read   23 in 2025.  2026- 2 (target is 52)
Jigsaws done  20 in 2025.  2026

My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up

3
st182 Posts: 187 Forumite

15 January at 12:54PM

PAD to cc1:

£2.27

Pay Off Debts by Xmas 2026; £0 / £6201.56
1
DebtBustingButterfly Posts: 7 Forumite

15 January at 1:34PM

£1.64 in cashback to lowest credit card today please!

1
SuperSavingD Posts: 615 Forumite

15 January at 5:27PM

£45.00 to the cc

Still to go £2115!

1
MissMoneyMishap Posts: 71 Forumite

15 January at 5:58PM

£14.40 off the overdraft... Thank you!

I'm always in it. It's just the depth that varies.

Immediate Problem: Overdraft: £752.59 * Paypal £671.07 * Creation £592.74 = £2,016.04
Phase 1: Vanquis CC £4100.11 * Tesco CC £3996.60 * Capital One CC £3800 = £11,896.71
Phase 2: Zopa Loan: £12,755

1
Bounty123 Posts: 126 Forumite

15 January at 6:40PM

£35.44 PAD to the cc for today.
Many thanks,
Bounty

2026 MFW No:23
MFiT-T7 12
1
Bounty123 Posts: 126 Forumite

16 January at 5:40AM

£1 PAD to cc. Not a lot of extra around at the moment but a little is better than nothing.

2026 MFW No:23
MFiT-T7 12
3
st182 Posts: 187 Forumite

16 January at 7:09AM

PAD to cc2:

£6.47

Pay Off Debts by Xmas 2026; £0 / £6201.56
0

★ ★ ★ Meet your Ambassadors

Confirm your email address to Create Threads and Reply

Categories

All Categories
353.2K Banking & Borrowing
254K Reduce Debt & Boost Income
454.9K Spending & Discounts
246.3K Work, Benefits & Business
602.5K Mortgages, Homes & Bills
177.9K Life & Family
260.2K Travel & Transport
1.5M Hobbies & Leisure
16K Discuss & Feedback
37.7K Read-Only Boards