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Payment a Day - Chapter 2026
Comments
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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;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
Make £2026 in 2026! £390.05/£2026
Savings goal £91.50/£10001 -
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 £27,204....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule.Challenges
EF £1330/£3000
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Studies/surveys Feb....£59.25
Decluttering items 1402/2025. 95/2026
Books read 23 in 2025. 2026- 5 (target is 52)
Jigsaws done 20 in 2025. 2 this year.
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
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@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
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£50.04 to the credit card today 💪🏻 courtesy of NSD in December and living frugally#no 3 Debts off by Xmas 2026 £1160 /£15,250
NSD Feb 16/20
#no 13 365 days 1p challenge 2026
£40.95/£667.95 paid 90/365
#no 2 £2 coin savers challenge 2026 £22
#no 11 SPC 19 £44 banked restart
2026 PAD challenge £1160
1% challenge = 7.6%
#cc1 320/4100 29%
#cc2 NatWest 400/3400 29%
#cc3 Halifax 220/2150 26%
#cc4. MBNA 220/5600 0% runs out soon
#loan1 876/14000 7.2%
#loan2 742/11000 13%
#family loan /4000 0%#solicitors /8000
Crisis fund 320/500
Alligator fund 50/5001 -
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 🎉
Career Loan £175/£3,000 (5.83% repaid)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 🎉
Career Loan £175/£3,000 (5.83% repaid)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!Pay off by xmas 2026/2026 PAD - £754.54/£7959.74
Make £2026 - £208.65
CC1 - £693.74/£5617.72
CC2 - £60.80/£2432.022
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