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  • FIRST POST
    • Sue-UU
    • By Sue-UU 11th Jan 18, 2:59 PM
    • 8,576Posts
    • 48,013Thanks
    Sue-UU
    Sealed Pot Challenge ~ 11
    • #1
    • 11th Jan 18, 2:59 PM
    Sealed Pot Challenge ~ 11 11th Jan 18 at 2:59 PM
    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
    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!!! 2017 = £50.456.23!!!!

Page 2
    • mummytummy
    • By mummytummy 13th Jan 18, 6:28 AM
    • 710 Posts
    • 3,567 Thanks
    mummytummy
    A good way to always find this thread is to subscribe to it, at the top of it is a "Thread Tools" section, click subscribe and whenever you need to find it quickly click on the User CP tab and it will list all the threads you've subscribed to and show any new posts


    On the potting front I'm doing quite well, I bought a very large tin this year so I don't think it will be filled to the brim by November, but, you never know
    Sealed Pot Challenge No.11 (2018) #11 ( from Sue-UU =20 )
    MFiT-T4 #62 (56% saved)
    • LizzieWb
    • By LizzieWb 13th Jan 18, 7:19 AM
    • 3 Posts
    • 60 Thanks
    LizzieWb
    Husband has now started adding money to the pot now too - so fingers crossed for a good amount at the beginning of November! I was missing my daily update emails so realised something had happened, just managed to subscribe again (I think!)

    Anyway have been potting every few days but I'm not keeping a count as I want it to be a surprise....
    Sealed pot challenge - 11 - #004

    • DancingUnicorn
    • By DancingUnicorn 13th Jan 18, 10:49 AM
    • 119 Posts
    • 505 Thanks
    DancingUnicorn
    I have had 7 NSD’s this week which means I get to pot my whole £20! I do need a few things this weekend, so next weekend won’t be so good but I’m doing really well. I wonder if I’m on target for my goal. It’s so tempting to break in and count!
    LBM: October 2016: £20,130 / Current: January 2018: £17,320 13.9%
    DFD: February 2024
    SPC#577 (2017: £60.58)
    • Owen1991
    • By Owen1991 13th Jan 18, 11:06 AM
    • 34 Posts
    • 49 Thanks
    Owen1991
    Potted some more, keep this going and it'll pay for my whole Christmas
    Save 12k in 2018 - £800/£12000 ~ # | Sealed Pot Challenge 2018 ~ #44
    £7000 in LISA | £8000 in Savings - End of 2017
    Debt Free | Saving for a House Deposit
    • Westie983
    • By Westie983 13th Jan 18, 11:14 AM
    • 3,887 Posts
    • 14,398 Thanks
    Westie983
    Found you again,

    Do we know what happened to the old thread?

    I knew something had happened when it was removed from my subscribed threads...

    Anyway no potting news as I havent been out for weeks, stupid flu/cold/virus thingie hanging around for too long..

    Westie983
    Save 12k in 2018 #10 Total (£25,000)+£0.00/£12,000 = 0.0%
    Sealed Pot Challenge ~ 11 #97 Total (£410) + £0.00/£800 = 0.00% ( x 11)
    Xmas 2018 £1 a Day #2 Total £0.00/£365 = 0.0%
    Virtual Sealed Pot #1 Total £150.00/£1,000 = 15.00%
    £2 Savers Club 2018 #16 Total (£1,500)+-490/£2,000 = 50.50%

    Total £150.00/£16,165 = 0.92%

    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
    • VickyA
    • By VickyA 13th Jan 18, 2:40 PM
    • 4,380 Posts
    • 21,306 Thanks
    VickyA
    Like others, I had a massive panic when I couldn't find the thread on my subscribed list. Duly subscribed again.

    40p potted in celebration of this sparkly new thread! DH is disappointing in not leaving cash lying on his bedside table. I obviously haven't trained him well enough - only 11 years of marriage...
    SPC 8 #153 975.71 #9 £881.44 #10 £961.13 declared
    • Sue-UU
    • By Sue-UU 13th Jan 18, 5:39 PM
    • 8,576 Posts
    • 48,013 Thanks
    Sue-UU
    Have a great weekend everyone!
    Thanks so much SPC members, though to be fair I only set the wheels on motion by letting MSE Towers and then Fermi know that SPC 11 was no longer there!!
    The first I knew for sure was when 32b3 PMíd me to ask where weíd gone! Iíd had problems when trying to view the thread from my mobile, but thought there was a hiccup.
    Still, allís well now but thank goodness they were able to retrieve those first 3 posts!!!! I could have rewritten another 1st post but I had no backup for the member posts, but then whoíd think of doing so!!!


    To all members who arenít well or who are low right now, here are some get well {{{{hugs}}}} hoping you will soon be feeling much better.


    Anyway, weíre off again!



    Excellent potting Emily!!! Thatís one fantastic amount youíve banked already!!!!


    Iím sure all other members will find us alright, 3forholidays; no doubt theyíll just have a look on the DGW challenges main board list and come across us.


    Donít complain about having only notes in your pot, swimminginaseaofdebt, youíre so fortunate!!! I understand what you mean about not hearing the rattle and clunk as it is wonderful but youíve something some members would love to have!!!!



    Oooooh I sincerely hope it doesnít all happen again, Florence! What a thought!!!!



    Another £2 safely saved for Christmas, Whatshername, very satisfying too!!!!



    Hi Sue! Me again...fell into a big black hole last year...may I join afresh please? Many thanks.
    Originally posted by cdm

    A very warm welcome home, cdm!!! You have a new number Iím afraid as I thought youíd gone! Your new No is 10.



    You sound a lot like jakes-mum with the £2s, dustydigger, youíd do anything to snatch £2ers up!!!!! Well done!! Donít worry about other SPC members, Iím sure theyíll soon find us; they only need to go onto the DFW Challenges Index and theyíll soon get to us.


    Itís amazing how quickly we were gone eh, Saver-upper!! Be careful about saying the reason why we shot off into oblivion though or we might get some other silly !!!!!! person doing it on this or other threads for the sheer he!l of it!!!!


    I know what you mean about subscribing to the thread, mummytummy, which is fine IF itís here, but the former SPC 11 actually WENT!!!!! As youíll see, weíre only on page 2 instead of Page 32!!!!!


    Good for your hubby LizzieWb!!! With the 2 of you potting the surprise will be all the better in November!!!!



    DancingUnicorn - behave yourself!!!! Thatís the sort of remark we get from jakes-mum towards Declaration day..... NOT from anyone in JANUARY???!!!!! Well done with your potting but now control yourself!!!!!



    Letís hope your words come to fruition, Owen!!!! Itís happened a lot with other members including myself so keep hard at it!!!!


    Iíll PM you to let you know what happened to the former SPC 11, Westie, I see you're a BG, but darent say on here or it might happen again!!



    Yes, panic is the right description for the feeling it gave us, Vicky!!! Hopefully it wonít happen again! Try 46 years of marriage, hubbyís get the jist of it all by then!!!



    Enjoy a peaceful Sunday, folks. Keep potting!!!

    Sue xx


    1st November is the opening date for 2018.


    Anyone wishing to join us, it's NEVER too late, so please just ask, you'll be made very welcome.
    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!!! 2017 = £50.456.23!!!!

    • 166million
    • By 166million 13th Jan 18, 8:11 PM
    • 1,159 Posts
    • 4,932 Thanks
    166million
    Writing a post so I can find you again .
    I was just about to go to bed (at nearly 2.30am !!),when I thought I would wander over and see what was going on in SPC land,only to find there were no SPC posts in my history .Kept scrolling back,thinking "No,I only posted a day or 2 ago."Suddenly I was reading my history back to Christmas,then I thought I must have been banned from the thread for too much non-potting chat .
    Sue,I saw your thread asking the powers that be where our thread went.How on earth could enough people mark this thread as spam that it gets pulled????
    Now I've got to go and pot some money before going to bed .
    Originally posted by Saver-upper
    If anyone scrolls n an iPad or phone I know I've accidentally hit the spam button a few time but I honk you can press again to cancel it?
    **Debt Free as of 15:55 on Friday 23rd March 2012**And I am staying that way
    377 166million Sealed Pot Challenge 2018 No. 90: Emergency fund £427
    My debt free diary http://http://forums.moneysavingexpert.com/showthread.php?t=3630099
    • Monitino
    • By Monitino 13th Jan 18, 10:35 PM
    • 2 Posts
    • 16 Thanks
    Monitino
    SPC Newbie
    Hi

    Can I join please. I am an SPC virgin!!!

    Hope to save £700

    Thank You
    • e4rub
    • By e4rub 14th Jan 18, 1:33 AM
    • 678 Posts
    • 5,932 Thanks
    e4rub
    Hi Monitino and welcome to SPC!
    Sue, our leader, will allocate you a number ASAP!
    We are a friendly bunch, so don’t be shy!
    If you’ve not already done so, have a read of the first post as it explains how the SPC works!
    It’s fairly straightforward......get a pot, put money in it, wait till 1st November, then open your pot and count your money!!

    Emily xx
    SPC #209 £185 banked so far 2018Debt Free Date 1st August 2016 Christmas 2018 £200 saved...so far
    • Chutney86
    • By Chutney86 14th Jan 18, 8:11 AM
    • 248 Posts
    • 2,475 Thanks
    Chutney86
    £2 potted for me today
    SPC #23 - 2015 = £319.60 / 2016 = £315.50 / 2017 = £490.75
    MFW #93 - 2017 = £1942.84/£1900 / 2018 = £279.13/£3000
    MFiT-T4 #28
    • charlies tribe
    • By charlies tribe 14th Jan 18, 11:53 AM
    • 493 Posts
    • 4,491 Thanks
    charlies tribe
    Good morning (just).
    Nothing potted in December. We just used cards and vouchers.
    Today is the end of the first 'money week' in January and i have just potted the first £3.66 of 2018.
    LBM in April 17 - £5624/£33554 (16.7%) paid.
    2018 TARGET 0/6930
    DFD: 1st May 2022
    SPC #591
    • 32b3in2013
    • By 32b3in2013 14th Jan 18, 5:02 PM
    • 2,081 Posts
    • 18,326 Thanks
    32b3in2013
    Afternoon

    I have been potting away, but I can't remember how much.

    I hope everyone is well. January is going past quickly, we are nearly half way through.

    32b3
    SPC9 #125 - £816.85
    SPC10 #125 - £851.81
    VSPC #19 - £15.68/£250
    • Westie983
    • By Westie983 14th Jan 18, 5:48 PM
    • 3,887 Posts
    • 14,398 Thanks
    Westie983
    Afternoon

    I have been potting away, but I can't remember how much.

    I hope everyone is well. January is going past quickly, we are nearly half way through.

    32b3
    Originally posted by 32b3in2013
    Crazy isn't it, the days are flying away :-)

    Dont fancy joining my VSP this year then?

    Westie983
    Save 12k in 2018 #10 Total (£25,000)+£0.00/£12,000 = 0.0%
    Sealed Pot Challenge ~ 11 #97 Total (£410) + £0.00/£800 = 0.00% ( x 11)
    Xmas 2018 £1 a Day #2 Total £0.00/£365 = 0.0%
    Virtual Sealed Pot #1 Total £150.00/£1,000 = 15.00%
    £2 Savers Club 2018 #16 Total (£1,500)+-490/£2,000 = 50.50%

    Total £150.00/£16,165 = 0.92%

    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
    • Treasurequeen
    • By Treasurequeen 14th Jan 18, 8:29 PM
    • 300 Posts
    • 3,282 Thanks
    Treasurequeen
    Sue thanks for the new thread, I wondered what was going on when I couldnít find the thread on my subscription feed. I got this great reusable glass money tin, itís got a cork lid that you can pull off (with great effort) in Sainsburyís sale for £2.00. Itís got lifeís great adventures written on it, along with a chalk tag that you can write the year on.

    Iíve put my bingo wins of £13.50 in it so far.
    The £1000 emergency fund challenge #223
    Pay for birthdays and Christmas 2018 with surveys #17
    2018 Frugal Living Challenge #44
    Sealed Pot Challenge 2018~ 11 #40
    £2 saver club
    • Westie983
    • By Westie983 14th Jan 18, 9:13 PM
    • 3,887 Posts
    • 14,398 Thanks
    Westie983
    Sue thanks for the new thread, I wondered what was going on when I couldn’t find the thread on my subscription feed. I got this great reusable glass money tin, it’s got a cork lid that you can pull off (with great effort) in Sainsbury’s sale for £2.00. It’s got life’s great adventures written on it, along with a chalk tag that you can write the year on.

    I’ve put my bingo wins of £13.50 in it so far.
    Originally posted by Treasurequeen
    Sounds like a good tin/item to use, can you see the money growing as you put it in?

    This is my new one for this year



    Westie983
    Last edited by Westie983; 14-01-2018 at 9:20 PM.
    Save 12k in 2018 #10 Total (£25,000)+£0.00/£12,000 = 0.0%
    Sealed Pot Challenge ~ 11 #97 Total (£410) + £0.00/£800 = 0.00% ( x 11)
    Xmas 2018 £1 a Day #2 Total £0.00/£365 = 0.0%
    Virtual Sealed Pot #1 Total £150.00/£1,000 = 15.00%
    £2 Savers Club 2018 #16 Total (£1,500)+-490/£2,000 = 50.50%

    Total £150.00/£16,165 = 0.92%

    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
    • 32b3in2013
    • By 32b3in2013 14th Jan 18, 9:22 PM
    • 2,081 Posts
    • 18,326 Thanks
    32b3in2013
    Crazy isn't it, the days are flying away :-)

    Dont fancy joining my VSP this year then?

    Westie983
    Originally posted by Westie983
    It is indeed.

    I thought I had joined the virtual SPC, Iíll pop over there now. Iíve done two transfers, so Iíve already started

    £6.01 potted today.

    32b3
    SPC9 #125 - £816.85
    SPC10 #125 - £851.81
    VSPC #19 - £15.68/£250
    • MrsShazbat
    • By MrsShazbat 14th Jan 18, 9:29 PM
    • 484 Posts
    • 2,620 Thanks
    MrsShazbat
    Yikes!! Thought I'd been kicked off the site when my bookmarked link didn't work!

    Potted £6 in £2s this weekend and another £4 in £1s and 50ps in the weekly purse clear-out. Had to catch the bus earlier in the week as my car was in for a service, and had to borrow out of the pot for some change for the fare so just shook out a handful of change (I had notes but I make it a personal principle, as the daughter of a bus driver and conductress to always pay with the right change). Spent £2 on the buses and the rest went back in.
    * Xmas 2018 #8 £31 / £365 * (2017 £496.53; 2016 £424.32) * SPCNo.11 #66 * Clothes Challenge 2018 #13 *
    (SPCNo.10 £682.31 * SPCNo.9 £442.64 * inc Quidco to 2/11/17 £249.69) *[/COLOR][/CENTER]
    • Monitino
    • By Monitino 14th Jan 18, 10:09 PM
    • 2 Posts
    • 16 Thanks
    Monitino
    Hi Monitino and welcome to SPC!
    Sue, our leader, will allocate you a number ASAP!
    We are a friendly bunch, so donít be shy!
    If youíve not already done so, have a read of the first post as it explains how the SPC works!
    Itís fairly straightforward......get a pot, put money in it, wait till 1st November, then open your pot and count your money!!

    Emily xx
    Originally posted by e4rub
    Thank you. Need all the motivation I can get. I am up to my eyeball in debt.
    • e4rub
    • By e4rub 14th Jan 18, 10:36 PM
    • 678 Posts
    • 5,932 Thanks
    e4rub
    Thank you. Need all the motivation I can get. I am up to my eyeball in debt.
    Originally posted by Monitino
    Trust me, you will get plenty of support here. Iíve been where you are and itís tough.
    This group kept me going through some really dark times, they are a fantastic bunch
    My one tiny bit of advice is, donít worry about the amount you are potting, itís not a competition because everyone is a winner in the end. We all end up with an amount that is relevant to our own personal circumstances and whatever amount comes out of your pot on the 1st November is money that you otherwise may have frittered away.

    Good Luck reducing your debt........small steps can take you a long way!

    Emily xx
    SPC #209 £185 banked so far 2018Debt Free Date 1st August 2016 Christmas 2018 £200 saved...so far
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