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
-
That’s ace!! Congrats 🥳BlueJ94 said:We won 5k in work and split it between us £277 now to work out what debt to spend it on#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 -
£9.76 todayJan 26 GC 🥞🧇 £14.34/£500
Debt free in 2026 - £437.18 of £4,226.52
NSD JAN 2/10
PAD JAN £14.231 -
£10 yesterday to PayPal credit 🙂1
-
Hopefully going to be able to cash out on prolific studies soon, done a ton of them today so fingers crossed to more payments being made next week#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 -
Not managed a PAD today, but hopefully will be in the routine by the start of next week. Still trying to sort out budgets and finances for the New year.Making 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 -
Hi All
Can I please join this challenge? I need to focus on making small savings to PAD off the debt, starting with my cc.
Made a £5.00 PAD today.
Going to try so hard this year to improve my spending and reduce debt figures as they total £28,878.94, I want this cleared so I can sleep better. I am also building up and EF separately.4 -
Evening all.£5.84 to Virgin CC today.Plan to PAD Everyday 2026Credit Card - £2864.24 int free to 31/05/26) -PAD TotalsJan 2026 - £50.721
-
Welcome to all the newbies, it's great that you're joining us. And for those of you who have not managed to PAD as yet, don't stress it, once you have things in order you can PAD as much or as little as you want.
Thanks for volunteering to be counter upper @angelicious and @LittleMissDetermined. LMD can you do February 2026 and Angelicious you do March 2026?
Thanks, x
Debt Free Diary:- The Mental Debt Struggle
(Original Debt on 15/07/2016 was £33,056.76) 🙈 but Debt Free on 09/02/2025 🎉1 -
£5 today please
27/5/17 Mort 64705 BTs 1904031/12/17 Mort 59815 BT 1673007/04/20 Mort 49208 BT 1572128/07/20 Mort 47387 BT 1263414/11/20 Mort 45905 BT 10134 20/05/21 Mort 42335 BT 686811/08/22 Mort 32050 BT 2915Sealed Pot Challenge 16 Number 51 -
Good morning
£20 today please
Pay off by Xmas 2026 £130/£2324.67
January NSDs 2/15
January PADs £310
January grocery challenge £6.61/£1501
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