Please please please let this not just be a faze...

mf0u1098

Nice one! VSP is the Virtual Sealed Pot. You basically round down what is in your bank to the nearest £10 and put the rest in a savings account. e.g. if your balance is £137.67CR then you'd transfer £7.67 into your savings and leave £130 in your account. It's a fantastic way to save online without feeling like you're doing it! You can update once a week or whenever there is a transaction in your account. It's up to you.

We can do this loubie_lou!!!!!!

loubie_lou wrote: »

12k in 2012. NSD. £2 savers, not sure what VSP is but all of the above!

:T

loubie_lou

mf0u1098 wrote: »

Nice one! VSP is the Virtual Sealed Pot. You basically round down what is in your bank to the nearest £10 and put the rest in a savings account. e.g. if your balance is £137.67CR then you'd transfer £7.67 into your savings and leave £130 in your account. It's a fantastic way to save online without feeling like you're doing it! You can update once a week or whenever there is a transaction in your account. It's up to you.

We can do this loubie_lou!!!!!!

Yes I like your thinking!

I used to do something like this before but then withdrew the money I had saved because I had no will power! BUT NOW I DO!!!!! :j

ETA - going to start the 12k in 2012 and the others a little early, eg TODAY as I cannot wait till 1st JAN haha!

mf0u1098

kerri_dfw wrote: »

I'm definitely up for the 2012 xmas challenge, I hope to be debt-free before then but I do need a target date so let's do it We can be comrades.

I've already got good feedback on the idea for the xmas challenge so I'll set it up tonight (I'm currently in work so am being very naughty being on here...:D) and you can join too!

I'm well excited now!!! :j:j:j:j:j:j:j

mf0u1098

loubie_lou wrote: »

Yes I like your thinking!

I used to do something like this before but then withdrew the money I had saved because I had no will power! BUT NOW I DO!!!!! :j

ETA - going to start the 12k in 2012 and the others a little early, eg TODAY as I cannot wait till 1st JAN haha!

Sounds good to me...! I'm setting a new challenge to pay off ALL debt by Christmas. I know there are a couple of similar challenges out there such as the 12k in 2012 and Pay off as much as you can but I've asked the question and it is sufficiently different to start a new challenge. Maybe I could tempt you...? I'm going to do the other challenges as well but it would be good to keep us all motivated in trying to clear everything in a year. I'll be setting it up tonight so if you want to join us too then we'd love to have you! Maybe if we start it now then you could achieve this goal by xmas 2012...??? xxx

kerri_dfw

You've reminded me to put away some VSP, I don't do this one officially because I withdrew the full fund last month as my auntie hadn't paid me some money she owed and I haven't replaced it. Naughty I know *slaps hand*. Let me know the link for the challenge, I'm onboard for that

loubie_lou

mf0u1098 wrote: »

Sounds good to me...! I'm setting a new challenge to pay off ALL debt by Christmas. I know there are a couple of similar challenges out there such as the 12k in 2012 and Pay off as much as you can but I've asked the question and it is sufficiently different to start a new challenge. Maybe I could tempt you...? I'm going to do the other challenges as well but it would be good to keep us all motivated in trying to clear everything in a year. I'll be setting it up tonight so if you want to join us too then we'd love to have you! Maybe if we start it now then you could achieve this goal by xmas 2012...??? xxx

Go on then! Sign me up!!!!!!!! :T It's only £13908! I am going to try my utmost to do this but can't promise as I need a new car, it's my sisters wedding to soooo they're a few things which might put a spanner in the works!

Keep me updated on the new threads and I also have a diary if you are interested! HA!

mf0u1098

kerri_dfw wrote: »

You've reminded me to put away some VSP, I don't do this one officially because I withdrew the full fund last month as my auntie hadn't paid me some money she owed and I haven't replaced it. Naughty I know *slaps hand*. Let me know the link for the challenge, I'm onboard for that

Cool!!!! Do you think I can tell my boss I need to go home so I can set up the challenge..??? Let's face it, I'm too excited now to do any work...:rotfl::rotfl::rotfl::rotfl::rotfl:

mf0u1098

loubie_lou wrote: »

Go on then! Sign me up!!!!!!!! :T It's only £13908! I am going to try my utmost to do this but can't promise as I need a new car, it's my sisters wedding to soooo they're a few things which might put a spanner in the works!

Keep me updated on the new threads and I also have a diary if you are interested! HA!

Yay!!!!! My boss just walked into my office so quickly hid my screen....phew...close one...!

Ooooooh... Do you know how to post a link to your diary? If not, I'll try and find it tonight as I really should get back to work now or I won't be able to pay anything off if I get fired!!!

xxx

loubie_lou

https://forums.moneysavingexpert.com/discussion/3599117

Here it is! and yes you best get some work done or you won't have any money to pay the debt back with! :rotfl:

CW2

Hello,

I'll definitely sign up for this challenge, I'm hoping to be debt free by October 2012! This will keep me on track hopefully!!

CW2