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
-
We won 5k in work and split it between us £277 now to work out what debt to spend it onI’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;Salad Money £258.58/£1000, Updraft £329.02/£3000 Reevo £1187/ £2000 Natwest £1396.46/ £3000 = OWED £5828.94
CC - Zable £133.83/£1300 Barclay £192.58 / £1200 OWED £2173.59
£8002.53
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #
Pay off all your debts by Christmas 2026! #141 -
Ooh well done. Good start to the yearBlueJ94 said:We won 5k in work and split it between us £277 now to work out what debt to spend it onMaking the debt go down and savings go up
LBM 2015 - debt £57K / Now £27,644....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule.Challenges
EF #68 £1050/£3000
.
Studies/surveys January
Decluttering items 1402/2025. 7/2026
Books read 23 in 2025. 2026 (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-up1 -
1p Challenge £3
Instant Saver 2 £5.50
Instant Saver 3 £5.50
ISA £6.00
Total £20I am a Senior Ambassador on the Competitions Time Board and the Old Style MoneySaving Board.
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.
My Diary Link My Frugal Year 2023 My Frugal Year 2023 — MoneySavingExpert Forum
My Challenges
Make £2023 in 2023. £3.16/£2023 Make £2023 in 2023 — MoneySavingExpert Forum
Compers Challenge 2023 0 Wins Compers challenge 2023! — MoneySavingExpert Forum
1 -
@Keedie, I’m happy to do count up whatever months you need xKeedie said:
Sorry I somehow missed this. Thank you for volunteering for April 2026, I have noted your name down on the first page and not to worry about next month @rsdiscos, I'm just grateful that you are able to help. xrsdiscos said:Happy new Year everybody and thanks for the warm welcome @Keedie
Sorry to be a pain, but Feb will be tricky for me to count up - can I be put down for April please?
Cheers all.Oh - by the way my pad is £11.24 to my virgin cc.Save £25,000 in 2025: #45-£524.15/25, 000
PAD 2025: £609.19/61000 -
I can count up in Feb Or March Keedie xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2026 1p challenge #7 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £4220/£60001
-
£50.04 to the credit card today 💪🏻 courtesy of NSD in December and living frugally#no 3 Debts off by Xmas 2026 £543.58/£15,250
NSD Jan 3/20
#no 13 365 days 1p challenge 2026
£4.96/£667.95 paid 31/365
#no 2 £2 coin savers challenge 2026 £2
#no 11 SPC 19 £5.64
2026 PAD challenge £530
1% challenge = 3%
#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 -
Morning All,
The total PAD for 1 January 2026 was a whopping £1,795.53
Thinking of finance and life goals...
Debt Free Diary:- The Mental Debt Struggle
(Original Debt on 15/07/2016 was £33,056.76) 🙈 but Debt Free on 09/02/2025 🎉4 -
Back with my PAD of £509.45 to the Argos CardDebt Free Diary:- The Mental Debt Struggle
(Original Debt on 15/07/2016 was £33,056.76) 🙈 but Debt Free on 09/02/2025 🎉0 -
PAD £2.74 off cc1
Pay Off Debts by Xmas 2026; £0 / £6201.561 -
Hello I hope it's ok to join in this challenge on day two! This sounds like a great way to pay off some of the debt! I'll probably not manage every day but I'm going to try a pound for every day I remember/can!
So, Paid £1 off CC1!2
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 353K Banking & Borrowing
- 253.9K Reduce Debt & Boost Income
- 454.8K Spending & Discounts
- 246.1K Work, Benefits & Business
- 602.2K Mortgages, Homes & Bills
- 177.8K Life & Family
- 260K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards