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  • FIRST POST
    • Sue-UU
    • By Sue-UU 2nd Nov 18, 12:06 AM
    • 8,884Posts
    • 49,745Thanks
    Sue-UU
    Sealed Pot Challenge ~ 12
    • #1
    • 2nd Nov 18, 12:06 AM
    Sealed Pot Challenge ~ 12 2nd Nov 18 at 12:06 AM
    Hello once again Potters and welcome aboard to all new members! I never thought we would have been running THIS long, but here we are starting off with "SPC "No 12"!!! The years have flown past since SPC's birth! We've had 11 fantastic money-saving years, all purely because of the determination in saving of you all - many thanks to you splendid 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, if you haven't already done so, please be sure to Join the MSE forum first in order to be able to join the challenge. For ALL SPC members, please chat away on this SPC 12 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 and gives even more ideas of how to save.

    For all newcomers - a really huge heartfelt welcome! We're a great 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 (2019) will be to open our pots on Thursday the 31st October 2019. 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 it.

    Firstly: Get yourself a pot, and remember - it doesn't need to cost much - if anything! Do please do your best to avoid plastic of any sort, thank you. With the emphasis being on saving money, your pot doesn't need to cost anything I.e a used 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. Perhaps 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!

    It can also be interesting and challenging to make yourself a Papier Mach!! Pig (or any animal or object) 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. After it's finished, seal as the instructions in the *paragraph above

    After selecting your pot, seal round the lid with sellotape. 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 11 years...and at the end of each year's 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, better still, turn them upside down and get the cash out as advised above with Terramundi.


    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 which is inherited can not be included as savings. Likewise any money put directly into the bank cannot be counted as savings with SPC. Money from 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, Surveys 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. Also, the 1p challenge is to be declared. 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. However, doing a little job for Mrs Bloggs as described in paragraph 1/ can be included. 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's put in blue/pink ink 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, don't worry, at least you 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 to save, then work out how much you will need to 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 October!

    4/ Mainly SPC is a challenge to see how much we can save in a year for Christmas 2019. However, over the last 10 - 11 years we've had some members who have needed theirs at sometime throughout the year for bills, debts etc, 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 each of us receives 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 October 31st. 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.

    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 31st October 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!!

    8/ "Holding Pots": To anyone concerned about putting money into their pot - only to 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?": Most banks will accept them providing you have an account with them. 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 two weeks after closing date will 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 14th November please.

    Once again, we've just had an amazing 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 31st Oct is the closing date for 2019, 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.


    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.


    This Forum tip was included in MoneySavingExpert.com's weekly email!
    Last edited by MSE Tine; 27-11-2018 at 1:08 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 18 = £800.00 19 = £851.02Grand 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!! 2018 = £47, 815.88!!!!

Page 76
    • Sue-UU
    • By Sue-UU 18th Oct 19, 3:33 PM
    • 8,884 Posts
    • 49,745 Thanks
    Sue-UU
    The weekend is almost here folks!!
    Hello again SPCers!

    It's almost the weekend folks!! I hope you ALL have a wonderful weekend and really enjoy yourselves.
    To all those members who are poorly or low in any way, please know that we're thinking of you all and wishing you all the best to soon feel much better. {{{Hugs}}} from us all.



    Hi all, just stopping by to declare my yearly potting total.

    Mine was coins only, and i did fall away from potting over the summer when things were a bit leaner

    However, I'm delighted that my total is £180 bagged and going to the bank! I also have a loose change pot which is anything 20p and under. I'll be taking this to my local coin machine tomorrow as none of it is enough to bag in each denomination. My best guess is that it'll tip me over the £200 mark but not by much.

    Really pleased with this It's going to go either towards Christmas presents or towards my son's birthday party in December. Whatever shouts the loudest!

    So...#75 is declaring £200

    Thanks for all the encouragement along the way! I'll definitely be back for Potting 2019/20.
    Originally posted by Homegrown0

    Many congratulations to you, Homegrown!!!! A lovely amount potted and obviously more than you'd hoped for, but something which will really help.Very well done! BTW. You (and everyone else) will automatically be transferred across to SPC 13)



    Hi there jakes-mum and thank you. I hope this post finds your cold a lot drier than yesterday. Such miserable things for certain especially when described as you did! I thought your Lily would have loved Harley from the beginning, but as long as her fears gone now and she loves her company then that's wonderful.


    Hello Sue !! How wonderful to see you back! I'm so happy that your pain has eased at last. It does drag you down so, doesn't it. G has been to the pain clinic at the local hospital and has been diagnosed with Cervical Torticollis (dystonia) We paid privately for Botox injections which did nothing for the pain and he now has to wait until early December for his next appointment. It's so frustrating, to put it mildly, that no one seems to know how to help him.

    Anyway, I'm still potting bits and pieces of change when I can but I've also set myself the challenge of Stash to Cash whereby I'm making craft items and selling them to raise money (and buying the barest minimum of stuff, mainly adhesive, in order to do it) The money is going into a separate pot which I'll count up and add to my pot total on the big day. At the moment my Christmas toppers are selling well so I'm hopeful of a decent sum to add.

    Hope everyone is ok and sending ((HUGS)) to anyone in need of one.
    Originally posted by little_sweetie

    Oh little_sweetie, I'm so sorry to hear about G, you too A. I'd never heard of it until I looked it up just now. I'll contact you in a moment. Meanwhile, well done in doing all you're able re the potting and and your crafts to gain some money, an excellent idea to keep it going as it's good for you especially right now! Love and hugs to you both. xx


    PS. Don't forget to get you bags from the bank and please ensure ALL your numbers are on your siggys!!!!



    Lovely to hear from Sue . I potted £2.04 last night from the food shop. I have my car booked in for itís MOT on Tuesday and not terribly hopeful. I also have yet another job interview on Monday . However I do have an application in for where I work now. They are recruiting 9 new posts on one department and itís a role Iíve previously done and really enjoyed. Going to do a pros and cons list for both, one is nearer, less money and less hours; other is more money, where I work now and more scope for development. Although the interviewers on Monday may make the decision for me

    Canít believe we are so close to opening
    Originally posted by Hettyhound


    Lovely to see you again, Hetty! Well done with the potting.
    I sincerely hope your fears aren't realised with your car MOT and that it's not too costly either! All the best with your interviews, though I sincerely hope you'll be fortunate in getting the one that makes you happiest. All very best wishes xx


    I forgot to mention the other day that over the last few weeks my potting has been a Total of £45!!! Well happy with that though it's been a while.



    Have a lovely evening and a wonderful weekend!!
    Don't forget to keep potting!





    Sue x


    NB folks: Opening date for SPC 12 will be 31st October 2019

    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 18 = £800.00 19 = £851.02Grand 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!! 2018 = £47, 815.88!!!!

    • Dragon Lily
    • By Dragon Lily 20th Oct 19, 10:46 PM
    • 266 Posts
    • 2,582 Thanks
    Dragon Lily
    Hi Everyone
    Collected my bank bags in readiness for counting next weekend ☺️. My pot is nice & heavy. I'm hoping to beat last year's total.
    Star from Sue-UU

    SPC12 #105
    SPC11 £183
    SPC10 £209
    • Saver-upper
    • By Saver-upper 21st Oct 19, 2:13 AM
    • 1,896 Posts
    • 14,273 Thanks
    Saver-upper
    Oooh,the thread is getting exciting now!!Sooooooo close!! .
    I haven't really joined in the challenge this year,though I have continued collecting £2 coins,plus a few notes.I am looking forward to rejoining in the new challenge next month,and will start that pot (actually three different pots!) with what I have already saved this challenge.
    SueUU it is so lovely to see you posting again.I am glad you are feeling a bit better.
    SPC #108 x 8.SPC7=£751.10 SPC8=£651.04 SPC9=£843.00 SPC10=£872.76
    Pinecone £301,Valued Opinions £10.50





    • Purplemumof2
    • By Purplemumof2 21st Oct 19, 10:56 AM
    • 7,455 Posts
    • 28,763 Thanks
    Purplemumof2
    Morning,

    Potted quite a bit this weekend, mainly £2 coins but some shrapnel too.

    I'm on holiday from work next Thursday/Friday so will be armed with money bags ready to count up.

    I can't believe how quick this year has flown xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    BC: £4260.00 Lloyds: £8300.00 OD £2000 MBNA: GONE
    Nov LTW 10/19 ~ NSD 7/15 ~ AFD 3/15
    PAYDBX 2019 #041 PD £4767.99/£5604.30
    Savings for Christmas £835.45/£500 ~ EF 200/£500
    20p Savers 2020 £2 Savers 2020 50p Savers 2020 SPC 13 2020 #003
    • jakes-mum
    • By jakes-mum 21st Oct 19, 1:32 PM
    • 4,508 Posts
    • 43,384 Thanks
    jakes-mum
    Well done on your total Homegrown!

    Hi there jakes-mum and thank you. I hope this post finds your cold a lot drier than yesterday. Such miserable things for certain especially when described as you did! I thought your Lily would have loved Harley from the beginning, but as long as her fears gone now and she loves her company then that's wonderful.
    Originally posted by Sue-UU
    Cold is still here and I've now kindly passed it to DH, I think I did well keeping it to myself for 10 days! his words to describe it is 'I feel like im hung over but I haven't had the enjoyment of getting drunk first'. i'm now happily reminding him that I've send 10 days cooking, taking him to the pub, going shopping etc feeling like that so he is not allowed to give in to it and go to bed with his man flu! I did give him some Lucozade though, so i'm not completely heartless.

    Lily has been scared of dogs since she was a toddler, next doors dog managed to jump our fence when she was in the garden and jumped at her to play, she's been nervous ever since. This was one of the reasons we decided to finally get Harley, the same thing happened to my sister and she's still terrified of dogs and I didn't want the same thing to happen to Lil. She loves her dog though, they are best friends so i'm very happy

    Don't think I posted about DH's cash from the pub, he came home on Saturday with £6.75 for the pot what are we at now? 10 days to go? wooooooooo!
    SPC No 002 SPC(3) £285/£250 (4) £519.84/£500 (5) £768.32/£500 (6) £911.30/£600 (7) £913.23/£600 (8) £1184.82/£750 (9) £2864.04/£750 (10) £3846.25/£1000 (11) £1779.72/£1000 (12) 1596.55/£1000
    • MrsShazbat
    • By MrsShazbat 21st Oct 19, 8:15 PM
    • 638 Posts
    • 3,032 Thanks
    MrsShazbat
    Just put £16 in £2 coins into the tin. Have also found a spare tin so I could in theory still open my tin at the usual time. I can't remember whether I said I was counting my eb*y sales as well, will have to look back. But there's also my Quidco total to add in although with my reduction in spending (yay!) that won't be as great this year either. In some ways good, in other ways not so good. But better in terms of discipline around spending, just not saving!
    SPCNo.13 #66 (12 £260.48; 11 £480.95; 10 £682.31; 9 £442.64)
    • 32b3in2013
    • By 32b3in2013 21st Oct 19, 9:45 PM
    • 2,283 Posts
    • 19,302 Thanks
    32b3in2013
    Evening

    we are so so close now My plan for the 31st is to count up the change, then I will take it to the machine in the NatWiest Bank near my office on the Saturday after and put it in the twirly machine. I can drive there at weekends, and hopefully park right outside the bank. there is a money changing shop next door to the bank, so I will be going straight in there to change some of the potting into dollars

    I have been running the change pig, a 'save the change' account and also a Chip savings account that I will be counting as my total this year, so hopefully it will be a good amount. I already know what's in the two on-line savings account, but the change pig will be a complete surprise.

    So exciting. Keep going everyone.

    32b3
    SPC9 #125 - £816.85
    SPC10 #125 - £851.81
    SPC 11 #7 - £968.46
    SPC 12 #7 - £2682.90
    • Maddie57
    • By Maddie57 22nd Oct 19, 2:16 PM
    • 166 Posts
    • 798 Thanks
    Maddie57
    Hi All

    Just catching up as been off on holiday in the sun which was great but the trip home yesterday was a nightmare as our train got cancelled and hanging about train stations at 5am is not fun. Ending up getting home (hurray) nearly 3 hours later than expected but the good news is may be eligible for some money back from my train ticket.

    Have £20 left which is going into my savings. Will do the total on 31st incase I can find some more pennies to add.

    Maddie
    x
    Growing old is mandatory
    Growing up is Optional
    SPC no:56
    1 debt vs 100 days chapter 33 £372/£1250
    • babs 103
    • By babs 103 22nd Oct 19, 3:03 PM
    • 122 Posts
    • 914 Thanks
    babs 103
    Not really here
    I haven't posted for Eon's but am still saving, getting close to counting up day now so thought I should let Sue know that I am still here. Sorry about this but a few RL things have got in the way and are still not sorted, will be here for counting day tho.xx
    Quot Libros, Quam Breve Tempus
    SPC #11 025 - £207.12
    SPC #12 025 - £295.03
    SPC #13 025 -
    • jakes-mum
    • By jakes-mum 22nd Oct 19, 5:52 PM
    • 4,508 Posts
    • 43,384 Thanks
    jakes-mum
    Hellooooooooo Pottersssssssssssssss

    Have had a selling frenzy and a mahoosive £220 in the pot cmoooooon pot opening day! I want to open my pots!!
    SPC No 002 SPC(3) £285/£250 (4) £519.84/£500 (5) £768.32/£500 (6) £911.30/£600 (7) £913.23/£600 (8) £1184.82/£750 (9) £2864.04/£750 (10) £3846.25/£1000 (11) £1779.72/£1000 (12) 1596.55/£1000
    • mummytummy
    • By mummytummy 23rd Oct 19, 7:31 AM
    • 761 Posts
    • 3,807 Thanks
    mummytummy
    Not long now jakes-mum roughly 7 days 16hrs to go
    Sealed Pot Challenge no.13 (2020) #11
    Sealed Pot Challenge no.12 (2019) total £1445.39


    MFiT-T5 #23, October 4th 2019 new 20 year mortgage of $425,157.00 - aim to reduce mortgage by $75,157.00 by the end of this challenge, January 2022
    • lucyhope
    • By lucyhope 23rd Oct 19, 8:55 AM
    • 425 Posts
    • 1,553 Thanks
    lucyhope
    Still here, still potting away and looking forward to 'opening day' I will be away on Thursday, a last minute holiday to the Isle of Man, hopefully the weather will be good
    Sealed Pot Challenge member 28
    2018 total £1520
    2019 total £8995
    • Hettyhound
    • By Hettyhound 23rd Oct 19, 9:59 PM
    • 310 Posts
    • 1,732 Thanks
    Hettyhound
    Potted a pound to celebrate the fact my car passed its MOT . Tooth fairy visited last night so a two pound coin down . I ended up declining the interview I had arranged for last Monday and I have an interview for where I work in a couple of weeks
    SPC #120 SPC 12: £125.86
    MFW #90 Mortgage start Dec 2015 £79,950; November 2019 £58,897.77; 2019 OP £1557.26/£1500
    • jakes-mum
    • By jakes-mum 24th Oct 19, 10:28 AM
    • 4,508 Posts
    • 43,384 Thanks
    jakes-mum
    Not long now jakes-mum roughly 7 days 16hrs to go
    Originally posted by mummytummy
    OMG! cmooooooooooooooooon this is worse than all previous years for waiting! I swear someones slowed down time! AND those ancient people have the audacity to add in an extra hour this week just to torture me!!

    a teeny tiny 50p last night, tis all I had after a run to the post office. Ooo also got £70 out of quidco that I exchanged for a Tesc0 gift card for the bonus so need to get £70 out of the bank for the tin
    SPC No 002 SPC(3) £285/£250 (4) £519.84/£500 (5) £768.32/£500 (6) £911.30/£600 (7) £913.23/£600 (8) £1184.82/£750 (9) £2864.04/£750 (10) £3846.25/£1000 (11) £1779.72/£1000 (12) 1596.55/£1000
    • Sue-UU
    • By Sue-UU 24th Oct 19, 5:04 PM
    • 8,884 Posts
    • 49,745 Thanks
    Sue-UU
    JUST A WEEK TO GO, folks!!!!!!!!
    Hello again SPCers!

    Not long to go now folks!! just A WEEK TODAY!!!! I hope you ALL have a great weekend and yourselves.
    To all those members who are poorly or low in any way, please know that we're thinking of you all and wishing you all the best to soon feel much better. {{{Hugs}}} from us all.

    Very well done, Dragon Lily, I'm pleased you're all ready to go!


    It's good to see you with us again, Saver upper, to be honest I really thought you'd left us! You don't need to re-join for next year, but seeing you a little more often would be greatly appreciated.


    Ok Pm02, 32b3 or I will be ready whenever you are. Have a lovely holiday!

    Lily has been scared of dogs since she was a toddler, next doors dog managed to jump our fence when she was in the garden and jumped at her to play, she's been nervous ever since. This was one of the reasons we decided to finally get Harley, the same thing happened to my sister and she's still terrified of dogs and I didn't want the same thing to happen to Lil. She loves her dog though, they are best friends so i'm very happy


    Don't think I posted about DH's cash from the pub, he came home on Saturday with £6.75 for the pot what are we at now? 10 days to go? wooooooooo!
    Originally posted by jakes-mum

    No doubt your DH is much better by now, jakes-mum, the same as you. Our eldest grandson has always had a fear of dogs like your Lily, but thankfully, us having our dear Jessie (black Lab) has helped him so much. PS. Flippin heck jakes-mum, you've got money coming in left, right and centre!

    Don't be too concerned about how much you've saved, MrsShazbat, as we all get such times due to all sorts of reasons. Excellent that you at least have Qu!dco & E!at to include!!

    we are so so close now My plan for the 31st is to count up the change, then I will take it to the machine in the NatWiest Bank near my office on the Saturday after and put it in the twirly machine. I can drive there at weekends, and hopefully park right outside the bank. there is a money changing shop next door to the bank, so I will be going straight in there to change some of the potting into dollars

    I have been running the change pig, a 'save the change' account and also a Chip savings account that I will be counting as my total this year, so hopefully it will be a good amount. I already know what's in the two on-line savings account, but the change pig will be a complete surprise.32b3
    Originally posted by 32b3in2013

    It sounds as though you've everything planned down to a fine art, 32b3, and why not!! You've certainly been saving brilliantly this year, very well done indeed!! I look forward to hearing about the contents of your pig - not many people you could say that too now are there!!!!


    Hi again Maddie! I'm so glad you had a lovely time, though what a nightmare of a journey home!! Fingers crossed that you get some compensation!!

    I haven't posted for Eon's but am still saving, getting close to counting up day now so thought I should let Sue know that I am still here. Sorry about this but a few RL things have got in the way and are still not sorted, will be here for counting day tho.xx
    Originally posted by babs 103
    Don't worry too much, Babs, I like to think I'm understanding about the goings-on in folks lives, I've definitely a few of my own these days.

    Not long at all mummytummy!!!

    Have a wonderful time on the Isle Of Man, Lucy, I hope the weather is as good to you as possible! We'll be waiting for you on your return!


    Amazing news about your MOT Hetty!!!!! That tooth fairy is certainly keeping you on your toes! Are you sure your little lad isn't using the same tooth over and over?! I sincerely hope you get the job you're going for, all the best.


    Have a lovely Friday and a super weekend!!
    Don't forget to keep potting!


    Sue x


    NB folks: Opening date for SPC 12 will be 31st October 2019

    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 18 = £800.00 19 = £851.02Grand 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!! 2018 = £47, 815.88!!!!

    • claremylove
    • By claremylove 24th Oct 19, 10:13 PM
    • 296 Posts
    • 608 Thanks
    claremylove
    Found a lonely 20p outside mt t today so that’s been safely potted. I only pot roadkill but still looking forward to seeing how much I’ve managed this year
    *Proud to be dealing with my debts*
    £2 saving club 2019 #20 £294 (2014 £176; 2015 £568; 2016 £604; 2017 £640; 2018 £404)
    Saving for Xmas 2019 #3. 274/365
    £1000 emergency fund challenge #232 352/1000
    Save a penny a day 2019 #26 £177.80 / £667.95
    SPC 2020 #53
    • Hettyhound
    • By Hettyhound 25th Oct 19, 7:47 AM
    • 310 Posts
    • 1,732 Thanks
    Hettyhound
    Ooh lucky roadkill find! Thereís been a lack of it in my life recently and I work on a university campus; maybe students only use cards (or phones!!) nowadays. Going to work used to be so much more profitable

    Put £1.23 in last night after shopping. Hoping the change left in my purse will find its way in to on the 31st which is payday
    SPC #120 SPC 12: £125.86
    MFW #90 Mortgage start Dec 2015 £79,950; November 2019 £58,897.77; 2019 OP £1557.26/£1500
    • Loz2018
    • By Loz2018 25th Oct 19, 8:18 PM
    • 89 Posts
    • 531 Thanks
    Loz2018
    As I’ve banked my pot already I’ve started the 2020 challenge a little early.
    I’ve put in £30s worth of £5 notes, and some coins, already as I want to beat my amount from this year.

    I’ve set my debit card to round up my transactions so it automatically moves the amount to a separate pot. Then when it gets to £5 I take it out my account and add it to my pot. I’ve found it easier than taking cash out as I’m still potting but also able to keep track of my budget.

    Hope everyone has a good weekend!
    CC Debt:£450 Emergency Fund: £1,500 Sealed Pot Challenge 2020 #042: £75
    • jakes-mum
    • By jakes-mum 25th Oct 19, 8:28 PM
    • 4,508 Posts
    • 43,384 Thanks
    jakes-mum
    A £1 from chips bought for tea tonight, there is also a £5er but DH and I are currently in dispute over who it belongs too as he says I have not paid him back for the £6 odd he brought home from the pub, I say I have as I remember a convo about how he only gets £5 not the £10 he was angling for as it wasn't over £7.50 so its currently sat in no mans land as we are both stubbornly refusing to pick it up
    SPC No 002 SPC(3) £285/£250 (4) £519.84/£500 (5) £768.32/£500 (6) £911.30/£600 (7) £913.23/£600 (8) £1184.82/£750 (9) £2864.04/£750 (10) £3846.25/£1000 (11) £1779.72/£1000 (12) 1596.55/£1000
    • claremylove
    • By claremylove 25th Oct 19, 10:09 PM
    • 296 Posts
    • 608 Thanks
    claremylove
    Ooh lucky roadkill find! Thereís been a lack of it in my life recently and I work on a university campus; maybe students only use cards (or phones!!) nowadays. Going to work used to be so much more profitable
    Originally posted by Hettyhound
    I know what you mean. Last year I saved almost £60, but doubt I will anywhere close to £15 this year. I think people are being much more careful with any cash they do have or, like you say, pay by card. Not good for my potting skills though - donít want to get rusty
    *Proud to be dealing with my debts*
    £2 saving club 2019 #20 £294 (2014 £176; 2015 £568; 2016 £604; 2017 £640; 2018 £404)
    Saving for Xmas 2019 #3. 274/365
    £1000 emergency fund challenge #232 352/1000
    Save a penny a day 2019 #26 £177.80 / £667.95
    SPC 2020 #53
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