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  • FIRST POST
    • Sue-UU
    • By Sue-UU 3rd Nov 17, 12:05 AM
    • 8,605Posts
    • 47,889Thanks
    Sue-UU
    Sealed Pot Challenge ~ 11
    • #1
    • 3rd Nov 17, 12:05 AM
    Sealed Pot Challenge ~ 11 3rd Nov 17 at 12:05 AM
    Hello again Potters and welcome aboard to any new members, I never thought we would have been running THIS long, but here we are starting off with "SPC "No 11"!!! Where have all the years gone since it first began, apparently very fast for sure! It's very hard to believe that we have now been running for a full decade and are now on the way into our 11th year!!!! We've had 10 amazingly money-saving years, but it's all purely because of the determined saving of you all - many thanks to you amazing folk who have made SPC what it is!!


    For all newcomers...yes "Old Timers" too - it's so very important to please read through this entire post to see what the SPC is all about, dates for counting up and our re-opening date etc.. However, please be sure to Join the forum first in order to be able to join the challenge - if you haven't already! For ALL SPC members, please chat away on this SPC 10 thread about your conquests, money-saving ideas etc from Post 4 (below) onward, it gives encouragement to all, including yourselves as it keeps the motivation to save far stronger.

    For all newcomers - a really huge heartfelt welcome! We're a terrific bunch who just adore greeting more members to the flock. Please read through this entire post and you'll be aware of why SPC is so special. You all settle in straight away and become part of our saving family!

    The idea is to save as much as possible throughout the following year until just before Christmas - which this year will be to open our pots on Thursday the 1st November 2018. We save it in pots that we've pre-sealed to stop us being tempted to open them. Any spare cash can be put away, every day/week/month, whatever is best for you. If you have change left over after you've been shopping - pop it in the pot! After all why not! However small the change...the likelihood is that it won't be missed, and might otherwise have been wasted!

    Most of us put in the difference in that we've been saved on special offers etc, it's all saved at the shop so it makes sense to save it in the pot to mount up!

    Below are the basics for making your pot and sealing.

    Firstly: Get yourself a pot, and remember - it doesn't need to cost much - if anything. If money's tight then use any pot for now, I.e. A sweet tin, coffee jar..extremely MSE!! Next - seal it with sellotape and be sure to make a slit in the lid, big enough for a 50p to go in, that way all coins will fit in. Later on, if you wish, you can always take advantage of finding a cheap pot in the sales after Christmas, or put one you fancy on your Christmas list! You can always buy ready sealed tins from reasonably priced shops! They're usually about a POUND from a £ store!!

    It can also be interesting and challenging to make yourself a Papier Mach! Pig (or any animal) etc by using Frugaldom's recipe by clicking here then going to Post No. 597 of SPC 1 or by going to a totally separate thread papier mach! Animal here. Many thanks to Frugaldom.

    After selecting your pot, seal round the lid with sellotape or superglue if necessary. Again, be sure to make a slit in the top that is the right size for a 50p to go in! NB. If you make a Papier Mach! Pot you will need to "operate" on it at the end of each challenge! Still, you can always have the pleasure of making a new one towards the end of the year, or getting the kiddies involved - if you're the daring type! The mind could run riot with what to model!

    Terrimundi pots are available in many shops and on-line, they're very attractive and another ready sealed way to save, and though the manufacturers and retailers would have you believe differently, you DO NOT need to smash them to remove your cash!! I've used mine for 10 years...and at the end of each year's (since 2009 when I graduated from a carton!) challenge, hubby and I have a whale of a time, doing things the 'old' way by tilting the pot and using a knife! Though, a few years ago DH bought a 12" steel ruler in from the shed which is thin and broad and perfect for the job. So be assured that, so long as you go carefully, you CAN use them again and again....unless you drop the darned things!! They are costly though, but this is where your Christmas list comes in handy, though always keep a look out in charity shops too!

    Regarding the Sealed Cans many of you use, apparently the best way to open the sealed tins is, rather than using a tin opener, squeeze the side of the tin, where the seam meets and you can pop the seal and tip the money out that way.


    The term roadkill = any money found on pavements, parks etc; even in car parks or on shop floors etc.

    NB. A few notes of interest.

    1/ Any money given as a gift (other than Birthdays, Christmas etc) i.e.. Inherited can not be included as savings. Likewise any money put directly into the bank cannot be counted as savings with SPC. Money from small second jobs is ok, such as cleaning for Mrs Bloggs down the road/ taking in ironing, a part-time job or anything similar is ok to be saved. Any savings saved via Christmas Clubs can also be used in your SPC Totals, it's another way of saving for Christmas after all. Money received from cashback sites such as Quidco, topcashback etc can be included in your pots. Likewise, any money made from sales on E-Bay, Facebook or similar can be saved.

    Also it is possible to include all other savings from MSE Challenges with your SPC Totals i.e. the £2 Challenge as, apparently they aren't put down on the challenge threads themselves. If you're unsure, please ask on the thread, and remember - there's no so thing as a stupid question!

    Second incomes can come in many varied and very lucrative guises and anything such as that would be unfair to other members. Mostly the SPC is a challenge to see how much we can save during the year...mostly it's relatively small amounts which are saved from wages, housekeeping, good budgeting etc. Remunerations via the letting of second homes cannot be included in the SPC.

    2/
    Whenever you're in the dilemma of "ooh should I buy that?" If you don't need it, but just want it - leave it there and pot the cash instead, you'll be much more satisfied with the accomplishment, pleased with your self-discipline too. All too often, if I go back a second time I find I didn't even like whatever it was anyway.

    3/ You can ask me to put a Target on for you to try to meet (it goes alongside your name and number on the 2nd and 3rd posts below) but it's not necessary. If you do set one, but are unable to meet it, it doesn't matter at all, at least you will have tried! A few people keep account of all they save, but most of us count what we save daily or weekly, then put it on the thread to help encourage others.... Ourselves too, then we pot it and forget about it and.... wait for the surprise at the end of the year!
    If you are hoping for a particular amount by Declaration Day but still want a nice surprise come November, work out what amount you would like, then work out how much you will need to save (pot) on a weekly or monthly basis in order to achieve it. Save that sum regularly as well as potting any spare change after shopping, that way you are bound to come out on top and have a surprise come November!
    4/ Mainly SPC is a challenge to see how much we can save in a year for Christmas 2017. However, over the last 9 years we've had some members who needed theirs at sometime throughout the year for bills, and personally I'd far sooner they take the cash out for that than pay more interest or...miss a due date! You can always start again, even if it's getting later in the year, you can even include what you needed to take out on Declaration Day, after all, you will have saved it!! Whatever you need to do, don't worry about it - be happy and proud you have saved!
    Please don't worry about the amounts others save! We are all individuals with such varying jobs/incomes, each with different expenditures and commitments etc so while some find saving a real struggle for others it's obviously easy. However, it's the pleasure we all receive from our personal potting results - whatever you manage to pot, be happy with it, and be proud!!!!

    5/ If you wish to save for something special, a holiday, wedding etc then please do so, just please remember to declare it on November 1st. The most important thing, is that you are saving ...and hopefully not tempted to take it out unnecessarily.
    If anyone has any other queries, then please sing out...though not too loudly.....you might shatter your pot/s!

    6/ At the end of the year (or when we've saved for what we wish) count up all your money saved and declare your Total either by waiting until the declaration date - or (if you've needed your cash for other things - by putting your Total on your MSE signature to remind you to include it in your full Total; that particularly applies to those using their money for holidays etc, but PLEASE remember to return to the thread on the 1st November to declare those Totals to me.
    Some members prefer not to keep too much money in the house and count theirs up every now and then to bank it, in which case they always pop the amount banked on their MSE signatures.

    7/ KEEP YOUR POT or POTS SAFE!! If you hide it, be sure to remember where you put it as it wouldn't be the first time that members have forgotten where they've hidden it!

    8/ "Holding Pots": To anyone concerned about putting money into their pot...then possibly needing it later in the week/month: Why not use an unsealed pot or purse as a "holding pot" and pop the money in there first each day/week/month - then, if it's not needed (for car parking costs, little Johnnie's school trip etc) - put it in your Sealed pot so it stays put. Do that each week and it'll save you taking money from the bank. Discipline yourself to only take what's needed though!

    9/ "Where to take bags of cash at the end of the year?": With regards to this all important question, here's vital help from girl at play: "I bank with Bank of Scotland and they accept as many change bags as you have, as long as you take them to the business banking counter." Thank you so much GAP, it's so handy for members to know. This applies to many banks, I suspect most banks/building societies are the same if truth be known. Remember also that most banks have counting machines, so any of you who really don't like counting money, take them in and let the machine do the counting for you; you'll get a receipt which you then take to the counter. PLEASE - DON'T EVER CHANGE IT IN ONE OF THE COINSTAR MACHINES AT THE ENTRANCES OF SUPER MARKETS.... THEY WILL TAKE AROUND 10% OF YOUR MONEY!!!!!!!!!

    10/ Members who do not return by the end of November of any year will sadly now lose their numbers as, many people who sign up to the challenge then don't bother returning! To be fair, I think a lot get swept up in the excitement of it all, but then, for one reason of another, can't or don't wish to keep it up, but that then leaves me with a long list of non savers on the list which makes things very difficult over time. Any saving members won't be at all worried about this - but if those 'defaulting' (bad word, but...!) members remember, then - come on back and ask for another number, you will always be be more than welcome!

    On the 2 posts below is a list of members and their numbers, always display your No on your signatures please, that makes life so much easier for me and my DH when counting up all of our Totals. In December or thereabouts I declare the Grand Total of ALL that we members have collected, and what a terrific sight that is! Please declare your savings ASAP on or close to the 1st November please.

    Just a quiet word of warning to all those in the Cambridge area - forget ever thinking of looking for roadkill there as jakes-mum will even tackle you the ground to get to it first! Though, how about challenging her!!

    Once again, we've just had a fantastic year, let's keep it up and see what we can achieve this year. Good luck everyone and save well!!

    PLEASE take note everyone Thursday 1st Nov is the closing date for 2018, the day we declare what we've saved on the thread, kindly declare your monies saved within 2 weeks of the 1st, thank you kindly.

    Anyone wishing to join us please post on the thread to ask and I'll give you a number and an official welcome so you can join in the fun......and please do note that...time means any time of year!

    It's Never Too Late To Join Us! and You Never Need To Re-join....well, unless you stop visiting us in November! However.......you can always return to the fold and be made very welcome!

    Many thanks for reading
    , Sue
    Last edited by Sue-UU; 04-11-2017 at 6:50 PM.
    Sealed Pot Challenge 001 My Totals = 08 £163.95 09 = £315.78 10 = £518.80 11 = £481.87 12 = £694.53 13 = £1200.20! 14 = £881 15 = £839.21 16 = £870.48 17 871.52 Grand Totals of all members (2008 uncounted) 2009 = £32.154.32! 2010 = £37.581.47! 2011 = £42.474.34! 2012 = £49.759.46! 2013 = £50.642.78! 2014 = £61.367.88!! 2015 = £52.852.06! 2016= £52, 002.40!!!

Page 19
    • 166million
    • By 166million 6th Dec 17, 4:45 PM
    • 1,131 Posts
    • 4,784 Thanks
    166million
    moral dilemma

    I've seen 1p on the floor in my living room.
    I know its fallen out of my husbands pot when he emptied it to bank
    Should i put it back in his pot?
    Or should it go in mine?
    **Debt Free as of 15:55 on Friday 23rd March 2012**And I am staying that way
    377 166million Sealed Pot Challenge 2018
    My debt free diary http://http://forums.moneysavingexpert.com/showthread.php?t=3630099
    No. 90: Emergency fund £250
    • DreamerHelen
    • By DreamerHelen 6th Dec 17, 11:11 PM
    • 2,543 Posts
    • 13,649 Thanks
    DreamerHelen
    Hey Everyone....I'm sorry that I've been AWOL again...It just seems that everytime I'm doing okay there is something to knock me down again....but on that logic it means there will be something along soon that will build me back up

    I'm up to £76 in my Sealed Pot plus lots of Silver that I don't Count until the Count-Up Day as I can't be bothered to keep a track of it...I just keep a track of Gold and Paper....

    *Hugs* to anyone that needs them... xXx
    Committed To Paying Off My Debts AND Saving
    3-6 Month Emergency Fund #1 £105/£6000
    General £1000 Emergency Fund #13 £60/£1000
    MSE Sealed Pot Challenge #089 - Stars from SueUU x25
    • Sue-UU
    • By Sue-UU 7th Dec 17, 2:18 PM
    • 8,605 Posts
    • 47,889 Thanks
    Sue-UU
    Keep warm and safe everyone!!!!!!
    A very good Thursday all Potters! I hope you're all keeping as well as possible in these awful winds and snow, or possibility of !!!! That bitter weather is on it's way down again!!
    For those members who really aren’t well or who are low for whatever reason, take great care of yourselves, and here’s hoping these {{{{HUGS}}}} from us all will help you feel well soon.


    Well done Jaydee! I appreciate what you mean with your phone being the problem before but at least you finally got there!

    Fingers crossed �� you’re able to fulfill your dream, Dragon Lily and very well done so far this week!

    Great news about your latest acquisition, TheCatsandDogsMother! Not to worry about that taking a hit on your potting, needs must...! Wonderful news at love having blossomed with you ‘down under’ and have a fantastic Christmas together!!!!!

    Excellent work Westie, impressive in fact!!! Let’s hope you can fill your pot..or two..or....!! I’ve every faith in you!

    So, your lovely cashier came across some Christmas spirit then, siju, how could you resist!!!! Good luck with your hampers!

    Finally finished the last of the coffee and now have a pot to use! Can transfer my meagre savings into there and out of the sandwich bag!!
    Originally posted by katiepants
    Of course you can katiepants! See, every thing (well... almost) comes to those who wait, so be patient with those savings too!! I bet you're sick of coffee right now, either that or you're a real coffee freak!!!!

    Good to hear you hadn’t suddenly reverted back Emily! The only purple I’m in tune with at this time of year are those in a tin of Quality Str!!t!!! I love em!
    moral dilemma

    I've seen 1p on the floor in my living room.
    I know its fallen out of my husbands pot when he emptied it to bank
    Should i put it back in his pot?
    Or should it go in mine?
    Originally posted by 166million
    Errmm I’ve had a little think 116million and YES, shove it in yours!!!! There’s never any doubt really, apart from that, we're well aware that men love sharing!!!

    Hello again our Helen, lovely to have you drop by to see us! Sorry to know you’ve been going through another rough time, but as you wisely view it...after those grey clouds have lifted the blue skies will make you feel a whole lot better. The one thing to always remember Helen, is that, you’re never suffering alone! There are always others feeling down and lousy with you; if only you knew who they all were you could all chat together, pour out your problems and, like as not, soon be finding things to laugh about. Chin up and look for the lovely things in life Helen.{{{{HUGS}}}} and love, Sue xx


    Be sure to keep very safe and warm Potters whatever you do! Depending where you are, it either is or will be horrible out there, bitterly cold too!!!!



    Have a lovely Thursday, folks! Don’t forget - pot well!


    Sue xx

    Opening date for SPC 11 will be 1st November 2018


    Anyone wishing to join us, it's NEVER too late, so please just ask, you'll be made very welcome.
    Last edited by Sue-UU; 07-12-2017 at 2:24 PM.
    Sealed Pot Challenge 001 My Totals = 08 £163.95 09 = £315.78 10 = £518.80 11 = £481.87 12 = £694.53 13 = £1200.20! 14 = £881 15 = £839.21 16 = £870.48 17 871.52 Grand Totals of all members (2008 uncounted) 2009 = £32.154.32! 2010 = £37.581.47! 2011 = £42.474.34! 2012 = £49.759.46! 2013 = £50.642.78! 2014 = £61.367.88!! 2015 = £52.852.06! 2016= £52, 002.40!!!

    • Jaydee92
    • By Jaydee92 7th Dec 17, 7:42 PM
    • 34 Posts
    • 102 Thanks
    Jaydee92
    £3.75 leftover from school christmas fayre potted today
    Have a wonderful evening all.
    JD x
    SPC - Number 322
    • MrsShazbat
    • By MrsShazbat 7th Dec 17, 9:30 PM
    • 490 Posts
    • 2,537 Thanks
    MrsShazbat
    Another 2 x £2s in the pot today.

    I may be alone in this but I'm hoping for some proper snow this weekend because we want to see how our husky reacts! She's 7 so we're assuming she's seen some sort of snow before, but it's a while since we had any decent stuff.
    * Xmas 2018 #8 £0 / £365 * (2017 £496.53; 2016 £424.32) * SPCNo.11 #66
    (SPCNo.10 £682.31 * SPCNo.9 £442.64 * inc Quidco to 2/11/17 £249.69) *
    • 166million
    • By 166million 8th Dec 17, 1:59 PM
    • 1,131 Posts
    • 4,784 Thanks
    166million
    Another 2 x £2s in the pot today.

    I may be alone in this but I'm hoping for some proper snow this weekend because we want to see how our husky reacts! She's 7 so we're assuming she's seen some sort of snow before, but it's a while since we had any decent stuff.
    Originally posted by MrsShazbat

    Mush!
    **Debt Free as of 15:55 on Friday 23rd March 2012**And I am staying that way
    377 166million Sealed Pot Challenge 2018
    My debt free diary http://http://forums.moneysavingexpert.com/showthread.php?t=3630099
    No. 90: Emergency fund £250
    • DebtFreeDuo
    • By DebtFreeDuo 8th Dec 17, 4:01 PM
    • 633 Posts
    • 3,091 Thanks
    DebtFreeDuo
    £20 potted today from PA.

    We have had some decent snow today, enough for us to build a snowman. I don't think my DS had truly experienced snow before today.
    Loan:1780.49 2207.38 Car Loan:2039.22 2419.64 0% CC:984.98 1063.48 Overdraft: 860 Overpayment:1781 Total: 7445.69 DFD Dec 18
    SPC 586
    • Dragon Lily
    • By Dragon Lily 8th Dec 17, 6:36 PM
    • 231 Posts
    • 2,387 Thanks
    Dragon Lily
    Potted another £2.50 to reach my target of £5 for the week. Then my hubby gave me another £2 in 50p's - straight into the pot taking my total to £7! :
    Star from Sue-UU

    SPC10= £209
    SPC11 #105
    3-6 EF #66 Target £3000 (£1135) 38%
    • 32b3in2013
    • By 32b3in2013 8th Dec 17, 8:04 PM
    • 2,093 Posts
    • 18,140 Thanks
    32b3in2013
    Evening

    I have potted around £15 this week. I kept forgetting the charge my iPad so haven’t posted.

    Everyone is doing really well. Keep it up.

    32b3
    SPC9 #125 - £816.85
    SPC10 #125 - £851.81
    • VickyA
    • By VickyA 8th Dec 17, 8:13 PM
    • 4,389 Posts
    • 21,244 Thanks
    VickyA
    Good evening everyone

    Sue-UU - many thanks for your kind words.

    £2 something added to the pot. Potting is going well and I'm delighted that this Christmas has been covered by last year's potting! Makes it so much more relaxed, doesn't it?
    SPC 8 #153 975.71 #9 £881.44 #10 £961.13 declared
    • MrsShazbat
    • By MrsShazbat 8th Dec 17, 8:21 PM
    • 490 Posts
    • 2,537 Thanks
    MrsShazbat
    Mush!
    Originally posted by 166million
    £20 potted today from PA.

    We have had some decent snow today, enough for us to build a snowman. I don't think my DS had truly experienced snow before today.
    Originally posted by DebtFreeDuo
    She'll probably just sit on the doorstep looking at it as if to say "you want me to do what?"
    * Xmas 2018 #8 £0 / £365 * (2017 £496.53; 2016 £424.32) * SPCNo.11 #66
    (SPCNo.10 £682.31 * SPCNo.9 £442.64 * inc Quidco to 2/11/17 £249.69) *
    • MrsShazbat
    • By MrsShazbat 8th Dec 17, 8:34 PM
    • 490 Posts
    • 2,537 Thanks
    MrsShazbat
    Well someone is smiling on me... OK, thanks to MSE essentially, I've just received a PPI reclaim letter saying I'm getting £2470.84 back - and just in time for Christmas!!! (AND I got RT'd by Martin on Twitter) Will be sticking that somewhere with a bit more of an exciting interest rate, if I can find one!

    In other news, another £4.50 into the pot from the weekly purse-emptying
    * Xmas 2018 #8 £0 / £365 * (2017 £496.53; 2016 £424.32) * SPCNo.11 #66
    (SPCNo.10 £682.31 * SPCNo.9 £442.64 * inc Quidco to 2/11/17 £249.69) *
    • Jaydee92
    • By Jaydee92 8th Dec 17, 8:43 PM
    • 34 Posts
    • 102 Thanks
    Jaydee92
    Wow Mrs Shazbat! That is amazing, bet you are over the moon fabulous!

    I have potted £20 today but they are vouchers, is this still allowed to be counted?

    Have a lovely evening all

    JD x
    SPC - Number 322
    • MrsShazbat
    • By MrsShazbat 8th Dec 17, 9:56 PM
    • 490 Posts
    • 2,537 Thanks
    MrsShazbat
    Wow Mrs Shazbat! That is amazing, bet you are over the moon fabulous!

    I have potted £20 today but they are vouchers, is this still allowed to be counted?

    Have a lovely evening all

    JD x
    Originally posted by Jaydee92
    Thanks, I'm so chuffed and it's all with the help of MSE. Had another £481 payout a few months ago as well, so I'm more than happy (also another case pending so who knows!)
    * Xmas 2018 #8 £0 / £365 * (2017 £496.53; 2016 £424.32) * SPCNo.11 #66
    (SPCNo.10 £682.31 * SPCNo.9 £442.64 * inc Quidco to 2/11/17 £249.69) *
    • EverTheOptimist
    • By EverTheOptimist 8th Dec 17, 11:36 PM
    • 2,647 Posts
    • 15,672 Thanks
    EverTheOptimist
    Wow MrsShazbat, amazing news.

    I have a letter saying I had PPI with nationwide but I have no idea which of the credit cards ive had with them that it wss on. So I haven't done anything with it...

    In potting news... there is none. Every penny is going to Xmas at the mo, hoping to pot again after all the celebrations.

    Hope everyone is well, off to read back through the posts now. Have a good weekend everyone.
    DEBT: £6000 loan
    SPC 7 #5 target £100 / actual £60 SPC 8 #5 target £100 / actual £200 SPC 9 #5 target £100/ actual £106.31 SPC 10 #5 target £100 / actual £83 SPC 11 #5 target £200
    £5 a week challenge (Nov 17-Nov 18)
    • DancingUnicorn
    • By DancingUnicorn 9th Dec 17, 10:05 AM
    • 118 Posts
    • 388 Thanks
    DancingUnicorn
    £9 left over from my weekly money so into the pot it goes I’ve still got the extra £20 and only one week left until I’m paid again so hoping to pot big next week!

    Booked in for 3 days work in the new year but I’m undecided whether to include this or not.
    I just realised I should be due a nice tax rebate in the new tax year but I have no idea how to work it out. If anyone here is good at crunching the numbers I’d be eternally grateful for their help!
    LBM: October 2016: £20,130 / Current: November 2017: £17,545 12.8%
    DFD: February 2024
    SPC#577 (2017: £60.58)
    • Iheart
    • By Iheart 9th Dec 17, 8:24 PM
    • 79 Posts
    • 434 Thanks
    Iheart
    I did really badly last year but am more determined this year and have a super pretty pot, so #33 reporting for sealed pot challenge number 11.

    Need to be much stronger in terms of willpower this time around.

    SPC11 #33
    • TheCatsandDogsMother
    • By TheCatsandDogsMother 9th Dec 17, 9:26 PM
    • 91 Posts
    • 1,072 Thanks
    TheCatsandDogsMother
    Managed to pot $545 this week. Sold my old car (he was in a pretty bad state) and my old kindle as I got a new one as an early birthday present.
    Number 495
    • Saver-upper
    • By Saver-upper 9th Dec 17, 10:02 PM
    • 1,668 Posts
    • 12,654 Thanks
    Saver-upper
    This afternoon I potted £50 I had been paid over the last two weeks .
    Roadkill Rebel #14,2016:£35.50 £12,000in2016 #82=£3163
    SPC #155 x 7.SPC7=£751.10 SPC8=£651.04 SPC9=£843.00 SPC10=£872.76
    Pinecone £298,Valued Opinions £10.50




    • 32b3in2013
    • By 32b3in2013 10th Dec 17, 2:40 AM
    • 2,093 Posts
    • 18,140 Thanks
    32b3in2013
    Morning

    Excellent ne Mrs Shazbat. Perfect timing too

    £14.80 potted today.

    32b3
    SPC9 #125 - £816.85
    SPC10 #125 - £851.81
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