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    • Westie983
    • By Westie983 11th Dec 16, 9:49 PM
    • 3,772 Posts
    • 13,838 Thanks
    Westie983
    • #2
    • 11th Dec 16, 9:49 PM
    How does the challenge work?
    • #2
    • 11th Dec 16, 9:49 PM
    Every Friday (Or whatever day is easier for you) the aim is to transfer the pounds and pence to round it down to the next nearest £5 or £10.
    So if you have £36.78 in credit you will transfer £1.78 or £6.78, or £20.04 in credit you would transfer £0.04 only.

    You then can either send me the total transferred for that week on the update form, and I will add each week or wait till the end of the month and submit then with a total, but could I ask you use form as well as adding your figures on here.

    This is so I don't miss any updates as some challenges move quickly in posts and pages and would hate to miss any amounts.

    **Some banks do not allow you to transfer less than £1, if this is the case what I tend to do is note what the money I have left that week then add it in the following weeks transfer.

    For me: The 'Virtual Sealed Pot' is a savings account that is attached to my bank account which makes it easier for transfers (I transfer on payday each month) but due to the faster payment system it doesn't have to be with your bank as all funds transfer instantly or within 2 hours, being a virtual pot i find I'm less likely to take any money out as I do the transfer and forget about it till the next month.

    Anyone wishing to join, please just ask, you're most welcome and it's NEVER too late.
    If you have been part of any challenges previous years and wish to keep your number or you have a lucky number you want that is fine if it's free otherwise I will assign numbers from the beginning to keep things tidy


    Good luck and roll on 2017.
    Last edited by Westie983; 11-12-2016 at 10:11 PM.
    Save 12k in 2017 #16 Total £21,355/£12,000 = 177.95%
    Sealed Pot Challenge ~ 10 #97 Total (£252) +£158/£500 = 82.00% ( x 10)
    Xmas 2017 £1 a Day #6 Total £330/£365 = 90.41%
    Virtual Sealed Pot #1 Total £1,350/£1,800 = 75.00%
    £2 Savers Club 2017 #3 Total (£1,450)+£50/£2,000 = 75.00%

    Total £24,945/£16,665 = 149.68%

    I'm a Board Guide on Budgeting & Bank Accounts, Debt-Free Wannabe, Disability Money Matters, and Savings & Investments. I'm a volunteer helping the boards run smoothly, but I'm not a moderator, and do not read all posts. If you see an inappropriate/illegal post then email forumteam@moneysavingexpert.com
    • Westie983
    • By Westie983 11th Dec 16, 9:50 PM
    • 3,772 Posts
    • 13,838 Thanks
    Westie983
    • #3
    • 11th Dec 16, 9:50 PM
    • #3
    • 11th Dec 16, 9:50 PM
    #1 - Westie983 (£1000)
    #2 - Indigowarrior (£300)
    #3 - Psychobabble78
    #4 - Crimson.addict
    #5 - Getmyacttogether2016 (£450)
    #6 - Seaotter (£250)
    #7 - Buffythedebtslayer
    #8 - Hummingbird (£750)
    #9 - Kim_13 (£250)
    #10 - Libbypaige (£200)
    #11 - Ladymorticia (£400)
    #12 - Wit40iwtwan
    #13 - Chappie77 (£500)
    #14 - Lozzy81 (£250)
    #15- Haybel19 (£200)
    #16 - Nickynoo08 (£500)
    #17 - Helejenkins1 (£200)
    #18 - 5erge (£365)
    #19 - Newme36 (£350)
    #20 - Gem-gem (£100)
    #21 - Laura_xx (£500)
    #22 - *Jellie* (£500)
    #23 - Scottishmummy (£200)
    #24 - Jonesy88 (£250)
    #25 - Mattie1949
    #26 - Hermionesaver (£200)
    #27 - Trolleydyson (£500)
    #28 - Dreamtruce (£100)
    #29 - Laurababs
    #30 - Clare19811 (£250)
    #31 -
    #32 -
    #33 -
    #34 - Sylar321
    #35 -
    Last edited by Westie983; 31-03-2017 at 10:36 PM.
    Save 12k in 2017 #16 Total £21,355/£12,000 = 177.95%
    Sealed Pot Challenge ~ 10 #97 Total (£252) +£158/£500 = 82.00% ( x 10)
    Xmas 2017 £1 a Day #6 Total £330/£365 = 90.41%
    Virtual Sealed Pot #1 Total £1,350/£1,800 = 75.00%
    £2 Savers Club 2017 #3 Total (£1,450)+£50/£2,000 = 75.00%

    Total £24,945/£16,665 = 149.68%

    I'm a Board Guide on Budgeting & Bank Accounts, Debt-Free Wannabe, Disability Money Matters, and Savings & Investments. I'm a volunteer helping the boards run smoothly, but I'm not a moderator, and do not read all posts. If you see an inappropriate/illegal post then email forumteam@moneysavingexpert.com
    • getmyacttogether2016
    • By getmyacttogether2016 11th Dec 16, 10:59 PM
    • 179 Posts
    • 963 Thanks
    getmyacttogether2016
    • #4
    • 11th Dec 16, 10:59 PM
    • #4
    • 11th Dec 16, 10:59 PM
    Hi Westie

    Have submitted an update form with the total I would like to try and save for 2017.

    Thank you for running this again.

    GMAT
    VSP 2017 #5 £338.97/£450 (2016 #5 £493.26)
    £2 savers 2017 #23 £64/£200 (2016 #32 £228.00)
    PAYDBX 2017 #33 £2253.59/£2253.59 (2016 #33 4372.37/4372.37)
    Saving for Xmas 2017 #57 £181/365
    MFiT - T4 #41a 0/130,000 (#41 35,963/35,963)
    No buying toiletries 2017 UU 56 (inc makeup) TA 4, GA 1, IN 30
    • Buffythedebtslayer
    • By Buffythedebtslayer 11th Dec 16, 11:12 PM
    • 14,859 Posts
    • 47,779 Thanks
    Buffythedebtslayer
    • #5
    • 11th Dec 16, 11:12 PM
    • #5
    • 11th Dec 16, 11:12 PM
    Can I join please? I did it years ago and kept the habit up pretty well. Just need a bit of accountability

    thanks
    Saving all the money.............really I am !
    • Westie983
    • By Westie983 11th Dec 16, 11:33 PM
    • 3,772 Posts
    • 13,838 Thanks
    Westie983
    • #6
    • 11th Dec 16, 11:33 PM
    • #6
    • 11th Dec 16, 11:33 PM
    Hi Westie

    Have submitted an update form with the total I would like to try and save for 2017.

    Thank you for running this again.

    GMAT
    Originally posted by getmyacttogether2016
    Hi,

    I have got your target and will add this to the list, good luck and well done for joining us again :-) you have kept #5, as requested,

    Looking forward to seeing if you make your target next year :-)
    Last edited by Westie983; 11-12-2016 at 11:50 PM.
    Save 12k in 2017 #16 Total £21,355/£12,000 = 177.95%
    Sealed Pot Challenge ~ 10 #97 Total (£252) +£158/£500 = 82.00% ( x 10)
    Xmas 2017 £1 a Day #6 Total £330/£365 = 90.41%
    Virtual Sealed Pot #1 Total £1,350/£1,800 = 75.00%
    £2 Savers Club 2017 #3 Total (£1,450)+£50/£2,000 = 75.00%

    Total £24,945/£16,665 = 149.68%

    I'm a Board Guide on Budgeting & Bank Accounts, Debt-Free Wannabe, Disability Money Matters, and Savings & Investments. I'm a volunteer helping the boards run smoothly, but I'm not a moderator, and do not read all posts. If you see an inappropriate/illegal post then email forumteam@moneysavingexpert.com
    • Westie983
    • By Westie983 11th Dec 16, 11:34 PM
    • 3,772 Posts
    • 13,838 Thanks
    Westie983
    • #7
    • 11th Dec 16, 11:34 PM
    • #7
    • 11th Dec 16, 11:34 PM
    Can I join please? I did it years ago and kept the habit up pretty well. Just need a bit of accountability

    thanks
    Originally posted by Buffythedebtslayer
    Of course you can Buffy, you did start the challenge last year and Im glad your back to try again, you can keep you number from last year which was #7.
    Did you want to set a target?


    Westie983
    Last edited by Westie983; 11-12-2016 at 11:55 PM.
    Save 12k in 2017 #16 Total £21,355/£12,000 = 177.95%
    Sealed Pot Challenge ~ 10 #97 Total (£252) +£158/£500 = 82.00% ( x 10)
    Xmas 2017 £1 a Day #6 Total £330/£365 = 90.41%
    Virtual Sealed Pot #1 Total £1,350/£1,800 = 75.00%
    £2 Savers Club 2017 #3 Total (£1,450)+£50/£2,000 = 75.00%

    Total £24,945/£16,665 = 149.68%

    I'm a Board Guide on Budgeting & Bank Accounts, Debt-Free Wannabe, Disability Money Matters, and Savings & Investments. I'm a volunteer helping the boards run smoothly, but I'm not a moderator, and do not read all posts. If you see an inappropriate/illegal post then email forumteam@moneysavingexpert.com
    • Buffythedebtslayer
    • By Buffythedebtslayer 12th Dec 16, 9:55 AM
    • 14,859 Posts
    • 47,779 Thanks
    Buffythedebtslayer
    • #8
    • 12th Dec 16, 9:55 AM
    • #8
    • 12th Dec 16, 9:55 AM
    Of course you can Buffy, you did start the challenge last year and Im glad your back to try again, you can keep you number from last year which was #7.
    Did you want to set a target?


    Westie983
    Originally posted by Westie983

    ooo that is embarrassing

    I have two accounts I use as Virtual Sealed pots, I guess i should go put my totals up for this year then

    XXX
    Saving all the money.............really I am !
    • indigowarrior
    • By indigowarrior 12th Dec 16, 11:13 AM
    • 274 Posts
    • 1,974 Thanks
    indigowarrior
    • #9
    • 12th Dec 16, 11:13 AM
    • #9
    • 12th Dec 16, 11:13 AM
    Hi can I join please. Determined to save up a good amount this year.
    #545- SPC
    Homeowner by 40
    August Nsd 1/15
    • Kim_13
    • By Kim_13 12th Dec 16, 3:05 PM
    • 1,239 Posts
    • 1,631 Thanks
    Kim_13
    Can I join again? Was wanting to keep No 9. I'll set a target of £250 and try to hit it this time!
    Last edited by Kim_13; 12-12-2016 at 3:09 PM.
    Sealed Pot 10 #520 ~ ~£66.55/£100
    VSP 2017 #9 ~ £41.40/£250.00
    CCCC 2017 #1 ~ £179.71/£120.00
    EF #170 ~ £500
    Xmas 2017 #25 ~ £5/£365
    365 Day Penny Challenge #4 ~ £17.31/£667.95
    • Psychobabble78
    • By Psychobabble78 12th Dec 16, 3:30 PM
    • 29 Posts
    • 75 Thanks
    Psychobabble78
    Can you sign me up please!
    Can you sign me up please! Every Friday I'll transfer to the nearest £10 - hopefully
    Last edited by Psychobabble78; 12-12-2016 at 3:43 PM.
    #70 12k in 2017:2408.28/12000
    #3 Sealed Pot Challenge 2017: £116.28[/???]
    #12 How much will you spend in 2017 challenge: £7669.53@end Feb
    MFW: January 2017: £118,195
    • lozzy81
    • By lozzy81 12th Dec 16, 3:34 PM
    • 214 Posts
    • 760 Thanks
    lozzy81
    Thanks for doing this again!! Please sign me up again for another year!
    Virtual sealed pot 2017 member #14
    £30.04/£250
    • hermionesaver
    • By hermionesaver 12th Dec 16, 6:13 PM
    • 71 Posts
    • 521 Thanks
    hermionesaver
    Could I join please? I sometimes do this but it would be good to start a regular habit and have a dedicated pot
    Save £5000 in 2017 £0/£5000
    £1 a day - Xmas 2017 #50 £58/£365
    Virtual Sealed Pot Challenge 2017 #26 £6.51/£200
    £1000 Emergency Fund #196: £0/£1000
    £10 a day in October £165.93/£310 September £382.51/£300 August £247.28/£310 July £232.91/£310
    • Westie983
    • By Westie983 12th Dec 16, 7:19 PM
    • 3,772 Posts
    • 13,838 Thanks
    Westie983
    Hi can I join please. Determined to save up a good amount this year.
    Originally posted by indigowarrior
    Of course you can Indigowarror, your number #2,
    please add it to your signature, and read the first post to give you an idea how this challenge works.

    Welcome

    :-)
    Save 12k in 2017 #16 Total £21,355/£12,000 = 177.95%
    Sealed Pot Challenge ~ 10 #97 Total (£252) +£158/£500 = 82.00% ( x 10)
    Xmas 2017 £1 a Day #6 Total £330/£365 = 90.41%
    Virtual Sealed Pot #1 Total £1,350/£1,800 = 75.00%
    £2 Savers Club 2017 #3 Total (£1,450)+£50/£2,000 = 75.00%

    Total £24,945/£16,665 = 149.68%

    I'm a Board Guide on Budgeting & Bank Accounts, Debt-Free Wannabe, Disability Money Matters, and Savings & Investments. I'm a volunteer helping the boards run smoothly, but I'm not a moderator, and do not read all posts. If you see an inappropriate/illegal post then email forumteam@moneysavingexpert.com
    • Westie983
    • By Westie983 12th Dec 16, 7:20 PM
    • 3,772 Posts
    • 13,838 Thanks
    Westie983
    Can I join again? Was wanting to keep No 9. I'll set a target of £250 and try to hit it this time!
    Originally posted by Kim_13
    Welcome again Kim_13, you have kept your number from last years challenge,

    Good luck

    Westie983
    Save 12k in 2017 #16 Total £21,355/£12,000 = 177.95%
    Sealed Pot Challenge ~ 10 #97 Total (£252) +£158/£500 = 82.00% ( x 10)
    Xmas 2017 £1 a Day #6 Total £330/£365 = 90.41%
    Virtual Sealed Pot #1 Total £1,350/£1,800 = 75.00%
    £2 Savers Club 2017 #3 Total (£1,450)+£50/£2,000 = 75.00%

    Total £24,945/£16,665 = 149.68%

    I'm a Board Guide on Budgeting & Bank Accounts, Debt-Free Wannabe, Disability Money Matters, and Savings & Investments. I'm a volunteer helping the boards run smoothly, but I'm not a moderator, and do not read all posts. If you see an inappropriate/illegal post then email forumteam@moneysavingexpert.com
    • Westie983
    • By Westie983 12th Dec 16, 7:21 PM
    • 3,772 Posts
    • 13,838 Thanks
    Westie983
    Can you sign me up please! Every Friday I'll transfer to the nearest £10 - hopefully
    Originally posted by Psychobabble78
    Welcome Psychobabble78, you #3, have a read of the first post, to give you an idea how the challenge works.

    Welcome, and good luck :-)
    Save 12k in 2017 #16 Total £21,355/£12,000 = 177.95%
    Sealed Pot Challenge ~ 10 #97 Total (£252) +£158/£500 = 82.00% ( x 10)
    Xmas 2017 £1 a Day #6 Total £330/£365 = 90.41%
    Virtual Sealed Pot #1 Total £1,350/£1,800 = 75.00%
    £2 Savers Club 2017 #3 Total (£1,450)+£50/£2,000 = 75.00%

    Total £24,945/£16,665 = 149.68%

    I'm a Board Guide on Budgeting & Bank Accounts, Debt-Free Wannabe, Disability Money Matters, and Savings & Investments. I'm a volunteer helping the boards run smoothly, but I'm not a moderator, and do not read all posts. If you see an inappropriate/illegal post then email forumteam@moneysavingexpert.com
    • Westie983
    • By Westie983 12th Dec 16, 7:28 PM
    • 3,772 Posts
    • 13,838 Thanks
    Westie983
    Could I join please? I sometimes do this but it would be good to start a regular habit and have a dedicated pot
    Originally posted by hermionesaver
    Welcome hermionesaver, your number #4, please add this to your signature, did you want to set a target?

    Give the first post a read, or have a look at last years thread on how it works, along with the update and progress spreadsheet links...

    Good luck and welcome again

    Westie983
    Save 12k in 2017 #16 Total £21,355/£12,000 = 177.95%
    Sealed Pot Challenge ~ 10 #97 Total (£252) +£158/£500 = 82.00% ( x 10)
    Xmas 2017 £1 a Day #6 Total £330/£365 = 90.41%
    Virtual Sealed Pot #1 Total £1,350/£1,800 = 75.00%
    £2 Savers Club 2017 #3 Total (£1,450)+£50/£2,000 = 75.00%

    Total £24,945/£16,665 = 149.68%

    I'm a Board Guide on Budgeting & Bank Accounts, Debt-Free Wannabe, Disability Money Matters, and Savings & Investments. I'm a volunteer helping the boards run smoothly, but I'm not a moderator, and do not read all posts. If you see an inappropriate/illegal post then email forumteam@moneysavingexpert.com
    • Westie983
    • By Westie983 12th Dec 16, 7:29 PM
    • 3,772 Posts
    • 13,838 Thanks
    Westie983
    Thanks for doing this again!! Please sign me up again for another year!
    Originally posted by lozzy81
    Welcome again Lozzy81, Ive given you the same number as last year #14, easier this way and ill fill up the gaps in between hopefully...

    Look forward to seeing if you beat last years total

    Good luck

    Westie983
    Save 12k in 2017 #16 Total £21,355/£12,000 = 177.95%
    Sealed Pot Challenge ~ 10 #97 Total (£252) +£158/£500 = 82.00% ( x 10)
    Xmas 2017 £1 a Day #6 Total £330/£365 = 90.41%
    Virtual Sealed Pot #1 Total £1,350/£1,800 = 75.00%
    £2 Savers Club 2017 #3 Total (£1,450)+£50/£2,000 = 75.00%

    Total £24,945/£16,665 = 149.68%

    I'm a Board Guide on Budgeting & Bank Accounts, Debt-Free Wannabe, Disability Money Matters, and Savings & Investments. I'm a volunteer helping the boards run smoothly, but I'm not a moderator, and do not read all posts. If you see an inappropriate/illegal post then email forumteam@moneysavingexpert.com
    • hermionesaver
    • By hermionesaver 13th Dec 16, 4:39 PM
    • 71 Posts
    • 521 Thanks
    hermionesaver
    Welcome hermionesaver, your number #4, please add this to your signature, did you want to set a target?

    Give the first post a read, or have a look at last years thread on how it works, along with the update and progress spreadsheet links...

    Good luck and welcome again

    Westie983
    Originally posted by Westie983
    I have added my number to my sig. I'm really not sure what to put for a target, I'm aiming to put whatever I save into my emergency fund at the end of the year so maybe £200. I may adjust this in a month or two depending on how much is (or isn't!) building up.
    Save £5000 in 2017 £0/£5000
    £1 a day - Xmas 2017 #50 £58/£365
    Virtual Sealed Pot Challenge 2017 #26 £6.51/£200
    £1000 Emergency Fund #196: £0/£1000
    £10 a day in October £165.93/£310 September £382.51/£300 August £247.28/£310 July £232.91/£310
    • Westie983
    • By Westie983 16th Dec 16, 12:07 PM
    • 3,772 Posts
    • 13,838 Thanks
    Westie983
    I have added my number to my sig. I'm really not sure what to put for a target, I'm aiming to put whatever I save into my emergency fund at the end of the year so maybe £200. I may adjust this in a month or two depending on how much is (or isn't!) building up.
    Originally posted by hermionesaver
    Lets go for £200 then, and see how you get on :-)
    Save 12k in 2017 #16 Total £21,355/£12,000 = 177.95%
    Sealed Pot Challenge ~ 10 #97 Total (£252) +£158/£500 = 82.00% ( x 10)
    Xmas 2017 £1 a Day #6 Total £330/£365 = 90.41%
    Virtual Sealed Pot #1 Total £1,350/£1,800 = 75.00%
    £2 Savers Club 2017 #3 Total (£1,450)+£50/£2,000 = 75.00%

    Total £24,945/£16,665 = 149.68%

    I'm a Board Guide on Budgeting & Bank Accounts, Debt-Free Wannabe, Disability Money Matters, and Savings & Investments. I'm a volunteer helping the boards run smoothly, but I'm not a moderator, and do not read all posts. If you see an inappropriate/illegal post then email forumteam@moneysavingexpert.com
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