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  • FIRST POST
    • Westie983
    • By Westie983 22nd Dec 15, 7:07 AM
    • 3,219Posts
    • 12,602Thanks
    Westie983
    Virtual Sealed Pot Challenge 2016
    • #1
    • 22nd Dec 15, 7:07 AM
    Virtual Sealed Pot Challenge 2016 22nd Dec 15 at 7:07 AM
    Hi All

    Welcome to the Virtual Sealed Pot Challenge 2016 -

    I joined this challenge last year and did quite well till I had to buy new glasses then it wiped out my pot but I returned and managed to make my target. (Yay go me)

    Been lots of posts on the 2015 thread asking about a 2016 one so here it is

    Many thanks to Spam.Jam, Palema, Flat Eric, Keza and Nix143 who have run previous challenges. Below are links to the previous threads if you wish to have a look.

    Virtual Sealed Pot Challenge 2015
    Virtual Sealed Pot Challenge 2014 Part 1
    Virtual Sealed Pot Challenge 2014 Part 2
    Virtual Sealed Pot Challenge 2013
    Virtual Sealed Pot Challenge 2012
    Virtual Sealed Pot Challenge 2011
    Virtual Sealed Pot Challenge 2010
    Virtual Sealed Pot Challenge 2009

    VSP 2016 will start on 1st January 2016 and run till end of 30th November as many people stopped updating last years thread by this time and started to use their pots for Christmas presents or bills this is open to discussion though what do others think?

    I will try to do a update at the end of each month, please could you put your challenge numbers in your signature so it is easier to spot any declarations.

    Good luck with VSP 2016, looking forward to beating previous years targets.

    Update Form:

    Spreadsheet of progress:

    Westie983



    If you haven’t already, join the forum to reply!

    This Forum tip was included in MoneySavingExpert.com's weekly email!
    Last edited by Westie983; 31-08-2016 at 4:22 PM.
    Save 12k in 2016 #16 Total £14650/£12000 = 122.08%
    Sealed Pot Challenge ~ 10 #97 Total (£252) +£13/£300 = 88.33% ( x 10)
    Xmas 2017 £1 a Day #6 Total £34.00/£365 = 9.31%
    Virtual Sealed Pot #1 Total £800/£800 = 100.00%
    £2 Savers Club 2016 #104 Total (£1060)+£386/£2000 = 72.30%

    Total £17195.78/£15465 = 111.18%
Page 30
    • Westie983
    • By Westie983 8th Oct 16, 11:08 PM
    • 3,219 Posts
    • 12,602 Thanks
    Westie983
    Spreadsheet updated!!!

    GMAT - I have deleted the first two updates and kept the last two, which matched your post.

    I am okay things are going slowly but going in the right direction, which is all I ask for

    Westie983
    Save 12k in 2016 #16 Total £14650/£12000 = 122.08%
    Sealed Pot Challenge ~ 10 #97 Total (£252) +£13/£300 = 88.33% ( x 10)
    Xmas 2017 £1 a Day #6 Total £34.00/£365 = 9.31%
    Virtual Sealed Pot #1 Total £800/£800 = 100.00%
    £2 Savers Club 2016 #104 Total (£1060)+£386/£2000 = 72.30%

    Total £17195.78/£15465 = 111.18%
    • crimson.addict
    • By crimson.addict 10th Oct 16, 9:26 AM
    • 1,164 Posts
    • 9,478 Thanks
    crimson.addict
    You did indeed, but you only posted on here, and I thought you were only going to send a form in at the end of the month, so I am waiting for you to send it so I can update your total.

    I cant keep up with the posts on here, as sometimes like you have done people add to their totals so I only update the spreadsheet from the update form. Some people send me a form whenever they add funds, and some people send the form with the total at the end of the month like you do, both ways I use the update form to keep the totals correct.

    Trying to update from posts maybe easier now less people are posting but I like seeing the update forms coming in.

    Send me one of those and Ill update

    :-)
    Originally posted by Westie983
    I'm so sorry Westie. I could have sworn I sent one over. Do you want me to submit one now?

    Are you out of hospital now? I know it's a pain when they keep you in but I'm sure there's a good reason for keeping you in. Enjoy the rest for a while. Everything else will wait x
    Sealed Pot Challenge member #071 VSP #4
    £723.44(SPC5) - £753.77(SPC6) - £857.19(SPC7) - £1,632.19(SPC8) - £2,707.15(SPC9) - £23.10(SPC10)...so far

    I love LC2 and Jakes-Mum
    Star's from Sue x28
    FINALLY DEBT FREE!! - EF - £2,163.52/£5,000 - H2B - £1,807.62/£12,000
    • Westie983
    • By Westie983 10th Oct 16, 12:46 PM
    • 3,219 Posts
    • 12,602 Thanks
    Westie983
    I'm so sorry Westie. I could have sworn I sent one over. Do you want me to submit one now?

    Are you out of hospital now? I know it's a pain when they keep you in but I'm sure there's a good reason for keeping you in. Enjoy the rest for a while. Everything else will wait x
    Originally posted by crimson.addict
    No dont worry I have added it already to the spreadsheet, just send me one for October end of the month.

    Yes I am back at home now recovering in my own bed, and environment, things are getting there, I havent slept too well as I sleep on my front and I am not allowed till the stitches have been removed, not that i can as it hurts, but I still try during the night.

    I am enjoying recovering but not having to make my own food and drinks lol...

    **walking to the kitchen is helping so suppose thats the key.

    Westie983

    :-)
    Save 12k in 2016 #16 Total £14650/£12000 = 122.08%
    Sealed Pot Challenge ~ 10 #97 Total (£252) +£13/£300 = 88.33% ( x 10)
    Xmas 2017 £1 a Day #6 Total £34.00/£365 = 9.31%
    Virtual Sealed Pot #1 Total £800/£800 = 100.00%
    £2 Savers Club 2016 #104 Total (£1060)+£386/£2000 = 72.30%

    Total £17195.78/£15465 = 111.18%
    • lozzy81
    • By lozzy81 18th Oct 16, 1:11 PM
    • 188 Posts
    • 602 Thanks
    lozzy81
    Great to see the total amount getting higher! will be soon time to dig and start spending on Christmas shopping!


    £9.84 for me!!! So glad Aug and Sept are over!! The back to school stuff... trips and paying for class stuff! Soooo expensive!
    back on track to saving my wee pennies again!!

    Hope everyone is keeping well
    Sainsburys Loan £1356.25 car loan

    Virtual sealed pot 2016 member #14
    £175.63/£250
    • Westie983
    • By Westie983 19th Oct 16, 12:08 AM
    • 3,219 Posts
    • 12,602 Thanks
    Westie983
    Great to see the total amount getting higher! will be soon time to dig and start spending on Christmas shopping!


    £9.84 for me!!! So glad Aug and Sept are over!! The back to school stuff... trips and paying for class stuff! Soooo expensive!
    back on track to saving my wee pennies again!!

    Hope everyone is keeping well
    Originally posted by lozzy81
    Keep going all, I'm still here watching you all snapping at your heels....

    Westie983
    Save 12k in 2016 #16 Total £14650/£12000 = 122.08%
    Sealed Pot Challenge ~ 10 #97 Total (£252) +£13/£300 = 88.33% ( x 10)
    Xmas 2017 £1 a Day #6 Total £34.00/£365 = 9.31%
    Virtual Sealed Pot #1 Total £800/£800 = 100.00%
    £2 Savers Club 2016 #104 Total (£1060)+£386/£2000 = 72.30%

    Total £17195.78/£15465 = 111.18%
    • bobobski
    • By bobobski 19th Oct 16, 6:29 AM
    • 398 Posts
    • 1,024 Thanks
    bobobski
    Hi Westie, sorry I've been absent from here... I found that budgeting with YNAB and VSPing don't really work together, as all my money is "assigned" at the beginning of the month. Sorry
    #86: Save £12k in 2016: £7,792.18 / £10,000 (77.92%) | #[ ]: Save 12k in 2017: £0 / £12,000 (0%)
    House deposit by 31/12/2020: £10,763.60 / £60,000 (17.93%)
    Emergency fund by 31/12/2020: £294.91 / £5,000 (5.89%)
    • Westie983
    • By Westie983 19th Oct 16, 12:18 PM
    • 3,219 Posts
    • 12,602 Thanks
    Westie983
    Hi Westie, sorry I've been absent from here... I found that budgeting with YNAB and VSPing don't really work together, as all my money is "assigned" at the beginning of the month. Sorry
    Originally posted by bobobski
    Thats okay,

    I use YNAB and VSP, I just allocate the payments from the bank account to the VSP when I make the payments, show the transaction the same as you do when you make the payment from one account to the other.

    I have all my regular savers and the VSP, in their own sub category and then I just take money - from one cell and move it to the VSP category.

    Have you made any transfers you want me to update?
    Save 12k in 2016 #16 Total £14650/£12000 = 122.08%
    Sealed Pot Challenge ~ 10 #97 Total (£252) +£13/£300 = 88.33% ( x 10)
    Xmas 2017 £1 a Day #6 Total £34.00/£365 = 9.31%
    Virtual Sealed Pot #1 Total £800/£800 = 100.00%
    £2 Savers Club 2016 #104 Total (£1060)+£386/£2000 = 72.30%

    Total £17195.78/£15465 = 111.18%
    • bobobski
    • By bobobski 20th Oct 16, 6:38 AM
    • 398 Posts
    • 1,024 Thanks
    bobobski
    Thats okay,

    I use YNAB and VSP, I just allocate the payments from the bank account to the VSP when I make the payments, show the transaction the same as you do when you make the payment from one account to the other.

    I have all my regular savers and the VSP, in their own sub category and then I just take money - from one cell and move it to the VSP category.

    Have you made any transfers you want me to update?
    Originally posted by Westie983
    I'm afraid not - I've found that "giving every dollar a job" means VSPing is hard as that money is already allocated. Of course, as much of it as possible is allocated to savings!
    #86: Save £12k in 2016: £7,792.18 / £10,000 (77.92%) | #[ ]: Save 12k in 2017: £0 / £12,000 (0%)
    House deposit by 31/12/2020: £10,763.60 / £60,000 (17.93%)
    Emergency fund by 31/12/2020: £294.91 / £5,000 (5.89%)
    • Westie983
    • By Westie983 20th Oct 16, 11:25 AM
    • 3,219 Posts
    • 12,602 Thanks
    Westie983
    I'm afraid not - I've found that "giving every dollar a job" means VSPing is hard as that money is already allocated. Of course, as much of it as possible is allocated to savings!
    Originally posted by bobobski
    Fair enough, dont forget that every penny you have saved so far is more then not participating in this years VSP,

    So well done for your savings so far

    :-0)
    Save 12k in 2016 #16 Total £14650/£12000 = 122.08%
    Sealed Pot Challenge ~ 10 #97 Total (£252) +£13/£300 = 88.33% ( x 10)
    Xmas 2017 £1 a Day #6 Total £34.00/£365 = 9.31%
    Virtual Sealed Pot #1 Total £800/£800 = 100.00%
    £2 Savers Club 2016 #104 Total (£1060)+£386/£2000 = 72.30%

    Total £17195.78/£15465 = 111.18%
    • Robi90
    • By Robi90 25th Oct 16, 12:03 AM
    • 3 Posts
    • 3 Thanks
    Robi90
    Can I join you please? Target is £50
    Aiming to be debt free by 01/06/2017

    £481.38 /£4100 paid off so far (credit card debt) 19/10/16
    • Westie983
    • By Westie983 25th Oct 16, 1:52 AM
    • 3,219 Posts
    • 12,602 Thanks
    Westie983
    Can I join you please? Target is £50
    Originally posted by Robi90
    Sure no problem, Please read page 1 with the instructions,

    I will give you number #16, I seem to have missed this number out

    Welcome and good luck with this challenge.

    Westie983
    Last edited by Westie983; 25-10-2016 at 2:56 AM.
    Save 12k in 2016 #16 Total £14650/£12000 = 122.08%
    Sealed Pot Challenge ~ 10 #97 Total (£252) +£13/£300 = 88.33% ( x 10)
    Xmas 2017 £1 a Day #6 Total £34.00/£365 = 9.31%
    Virtual Sealed Pot #1 Total £800/£800 = 100.00%
    £2 Savers Club 2016 #104 Total (£1060)+£386/£2000 = 72.30%

    Total £17195.78/£15465 = 111.18%
    • Robi90
    • By Robi90 25th Oct 16, 5:32 PM
    • 3 Posts
    • 3 Thanks
    Robi90
    Thanks. I know I'm late to the party but will do my best for the rest of the year and will be able to do it properly in 2017
    Aiming to be debt free by 01/06/2017

    £481.38 /£4100 paid off so far (credit card debt) 19/10/16
    • Westie983
    • By Westie983 25th Oct 16, 7:03 PM
    • 3,219 Posts
    • 12,602 Thanks
    Westie983
    Thanks. I know I'm late to the party but will do my best for the rest of the year and will be able to do it properly in 2017
    Originally posted by Robi90
    Good idea, and its never really too late, as every penny that you save is more then not saving at all.

    :-)
    Save 12k in 2016 #16 Total £14650/£12000 = 122.08%
    Sealed Pot Challenge ~ 10 #97 Total (£252) +£13/£300 = 88.33% ( x 10)
    Xmas 2017 £1 a Day #6 Total £34.00/£365 = 9.31%
    Virtual Sealed Pot #1 Total £800/£800 = 100.00%
    £2 Savers Club 2016 #104 Total (£1060)+£386/£2000 = 72.30%

    Total £17195.78/£15465 = 111.18%
    • Westie983
    • By Westie983 26th Oct 16, 11:34 PM
    • 3,219 Posts
    • 12,602 Thanks
    Westie983
    Hi fellow VSP'ers,

    I am going away this weekend to Paris with 150 brownies and guides so probably wont be online, but have one thing to ask of you lovely lot, is to check the spreadsheet is correct, (I had a failure of saving a few days back and not sure if its correct)

    and could you all post me your update forms for October, and any previous months if you want to fill in any gaps and Ill update the spreadsheet when I get back on the 31st just in time to start our final month of the challenge (where did those 11 months go?)

    I will be starting as aways a new spreadsheet on or around November 1st so please could you update me before 1st so, I don't get Octobers payments appearing on November's spreadsheet,

    Have a good weekend all

    Westie983 :-)
    Save 12k in 2016 #16 Total £14650/£12000 = 122.08%
    Sealed Pot Challenge ~ 10 #97 Total (£252) +£13/£300 = 88.33% ( x 10)
    Xmas 2017 £1 a Day #6 Total £34.00/£365 = 9.31%
    Virtual Sealed Pot #1 Total £800/£800 = 100.00%
    £2 Savers Club 2016 #104 Total (£1060)+£386/£2000 = 72.30%

    Total £17195.78/£15465 = 111.18%
    • Azzzaa
    • By Azzzaa 27th Oct 16, 8:21 AM
    • 338 Posts
    • 2,169 Thanks
    Azzzaa
    Hi fellow VSP'ers,

    I am going away this weekend to Paris with 150 brownies and guides so probably wont be online, but have one thing to ask of you lovely lot, is to check the spreadsheet is correct, (I had a failure of saving a few days back and not sure if its correct)

    and could you all post me your update forms for October, and any previous months if you want to fill in any gaps and Ill update the spreadsheet when I get back on the 31st just in time to start our final month of the challenge (where did those 11 months go?)

    I will be starting as aways a new spreadsheet on or around November 1st so please could you update me before 1st so, I don't get Octobers payments appearing on November's spreadsheet,

    Have a good weekend all

    Westie983 :-)
    Originally posted by Westie983

    Have fun in Paris!
    Personal loan to pay off - £20,881.47
    • getmyacttogether2016
    • By getmyacttogether2016 29th Oct 16, 9:42 PM
    • 111 Posts
    • 562 Thanks
    getmyacttogether2016
    Evening all

    Have submitted my update forms and am pleased with my totals.

    15 Oct - 6.47
    22 Oct - 33.16 this includes my end of month totals for food/fuel monies
    29 Oct - 8.51

    Hope you had a lovely little break away Westie.

    Take care all
    GMAT
    DEBT - CC 1872.37/1872.37, DAD 2500.00/2500.00 all paid Nov 2016
    VSP 2016 #5 395.36 131.79% £2 savers 2016 #32 220.00
    PAYDBX 2016 #33 4372.37/4372.37 100%
    MFiT - T4 # 41 0.00
    • Scottishmummy
    • By Scottishmummy 30th Oct 16, 3:09 PM
    • 1,039 Posts
    • 1,837 Thanks
    Scottishmummy
    Enjoy Paris. Updating for October right now
    The person who moves a mountain begins by carrying small stones.
    £2 savers 2016 #44 = £282+£166 Xmas 2016 #69 = £737 20p savers #78
    Virtual Sealed Pot 2016 #21 £269.10/£200 Declutter 24/2016

    Proud to be No. 47 of the DMP mutual support club
    DFW Nerd #380. Proud to be dealing with my debt
    • Scottishmummy
    • By Scottishmummy 30th Oct 16, 3:13 PM
    • 1,039 Posts
    • 1,837 Thanks
    Scottishmummy
    Enjoy Paris. Updating for October right now
    Originally posted by Scottishmummy
    And having done that and looked at the spreadsheet I noticed September looked short so checked back and added another payment for then too.
    The person who moves a mountain begins by carrying small stones.
    £2 savers 2016 #44 = £282+£166 Xmas 2016 #69 = £737 20p savers #78
    Virtual Sealed Pot 2016 #21 £269.10/£200 Declutter 24/2016

    Proud to be No. 47 of the DMP mutual support club
    DFW Nerd #380. Proud to be dealing with my debt
    • Westie983
    • By Westie983 30th Oct 16, 10:46 PM
    • 3,219 Posts
    • 12,602 Thanks
    Westie983
    IM BACK!!!!


    OMG, how does my feet hurt!! I think Ill be in bed for a week, think it was probably too quick after my operation, I found it tough but had very considerate girls who helped me down the stairs and telling me when there was drops and made sure I was okay when I was slowing the group down.

    Okay so now back to October VSP,

    Okay so I have updated Scottishmummy I have updated your spreadsheet for September and October well done you :-)

    GMAT, Now I have two updates from you, saying that September was short but I have two updates from you.

    17th Sept - £13.88
    30th Sept - £9.69

    Which total the amount that is showing on the spreadsheet, but you have sent me another one for another £13.88 so do you want me to add it a second time?

    Westie983
    Save 12k in 2016 #16 Total £14650/£12000 = 122.08%
    Sealed Pot Challenge ~ 10 #97 Total (£252) +£13/£300 = 88.33% ( x 10)
    Xmas 2017 £1 a Day #6 Total £34.00/£365 = 9.31%
    Virtual Sealed Pot #1 Total £800/£800 = 100.00%
    £2 Savers Club 2016 #104 Total (£1060)+£386/£2000 = 72.30%

    Total £17195.78/£15465 = 111.18%
    • crimson.addict
    • By crimson.addict 2nd Nov 16, 1:24 PM
    • 1,164 Posts
    • 9,478 Thanks
    crimson.addict
    Sorry Westie. I have been terrible with my totals this month. Only £205.90 to add.
    Sealed Pot Challenge member #071 VSP #4
    £723.44(SPC5) - £753.77(SPC6) - £857.19(SPC7) - £1,632.19(SPC8) - £2,707.15(SPC9) - £23.10(SPC10)...so far

    I love LC2 and Jakes-Mum
    Star's from Sue x28
    FINALLY DEBT FREE!! - EF - £2,163.52/£5,000 - H2B - £1,807.62/£12,000
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