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    • Westie983
    • By Westie983 2nd Jan 19, 12:32 AM
    • 4,789 Posts
    • 15,417 Thanks
    Westie983
    • #2
    • 2nd Jan 19, 12:32 AM
    How does the challenge work?
    • #2
    • 2nd Jan 19, 12:32 AM
    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 2019.
    Save 12k in 2019 #42 Total (16000)+2300/12000 = 19.16%
    Sealed Pot Challenge ~ 12 #97 Total (505)+0/500 = 0.00%
    Xmas 2019 1 a Day #20 Total (165)+260.00/365 = 71.23%
    Virtual Sealed Pot #1 Total (1300)+550/1000 = 55.00%
    2 Savers Club 2018 #16 Total (1030)+700/2000 = 35.00%

    Total 3810.00/15865 = 24.01%
    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 2nd Jan 19, 12:34 AM
    • 4,789 Posts
    • 15,417 Thanks
    Westie983
    • #3
    • 2nd Jan 19, 12:34 AM
    List of MSE'rs
    • #3
    • 2nd Jan 19, 12:34 AM
    #1 - Westie983 (1000)
    #2 - Klbooth (500)
    #3 - Seaotter (250)
    #4 - ChloeWhite
    #5 - Lightbulb0811
    #6 - lozzy81 (200)
    #7 - RhiBi (500)
    #8 - Example79 (250)
    #9 - Littletinks (200)
    #10 - Swimminginaseaofdebt (100)
    #11 - Raggle1 (100)
    #12 - Pinkfluffybabe (150)
    #13 - Ruby_eskimo
    #14 - Hummingbird (1000)
    #15 - Apricity
    #16 - twigletsmum (350)
    #17 - A Random Man (125)
    #18 - Xavie (50)
    #19 -
    #20 -
    #21 -
    #22 -
    #23 -
    #24 -
    #25 -
    #26 -
    #27 -
    #28 -
    #29 -
    #30 -
    #31 -
    #32 -
    #33 -
    #34 -
    Last edited by Westie983; 13-05-2019 at 2:43 PM.
    Save 12k in 2019 #42 Total (16000)+2300/12000 = 19.16%
    Sealed Pot Challenge ~ 12 #97 Total (505)+0/500 = 0.00%
    Xmas 2019 1 a Day #20 Total (165)+260.00/365 = 71.23%
    Virtual Sealed Pot #1 Total (1300)+550/1000 = 55.00%
    2 Savers Club 2018 #16 Total (1030)+700/2000 = 35.00%

    Total 3810.00/15865 = 24.01%
    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
    • Example79
    • By Example79 2nd Jan 19, 1:08 AM
    • 33 Posts
    • 127 Thanks
    Example79
    • #4
    • 2nd Jan 19, 1:08 AM
    • #4
    • 2nd Jan 19, 1:08 AM
    I wondered if there would be another thread for 2019. Please count me in - I have already transferred a small amount. As my cc is 0%, I’ll be using my money to pay off some of the balance at the end of the year.

    ETA - I haven’t taken part in this challenge before.
    Pay all your debts off by Xmas 2019 #37 119.95 / 2500 4.79% paid
    2 saver #24 - 4 saved
    365 penny challenge 2019 #16 - 26.05 / 667.95 (3.9%)
    Virtual Sealed Pot Challenge #8 55.80 / 250 (22.3%)
    • Westie983
    • By Westie983 2nd Jan 19, 1:27 AM
    • 4,789 Posts
    • 15,417 Thanks
    Westie983
    • #5
    • 2nd Jan 19, 1:27 AM
    • #5
    • 2nd Jan 19, 1:27 AM
    I wondered if there would be another thread for 2019. Please count me in - I have already transferred a small amount. As my cc is 0%, I’ll be using my money to pay off some of the balance at the end of the year.

    ETA - I haven’t taken part in this challenge before.
    Originally posted by Example79
    Hi Example79

    Welcome to VSP 2019.

    As this is your first year doing this challenge, have read of the first and second post, which explains how the challenge works. It works quite well and lots of people like it as it can be small numbers being transferred weekly or monthly, and no obligation to make any minimum or maximum amount.

    Hopefully the update links work, you should be able to access the update form, which is how you tell me what you have saved and its from this update form I update the spreadsheet (which is the second link, which is view only) I dont update the spreadsheet from here, so any declarations need to be sent via the form.

    I dont mind if you send me a form at the end of each month, every time you make a transfer, once a week, its totally up to you, I will endeavour to update the spreadsheet as soon as I can and this way you can see how well you are doing against your target and how your savings add to not only the monthly total but at the end of the year you will be able to see the total saved by everyone over the year which can be quite impressive.

    Don't forget its your own target, your own challenge and you have your own reason for joining, whatever that reason or however small the target is, its your challenge to smash just make sure you try to keep the money in the account till you need to make a transfer out.

    Good luck with the challenge and welcome, I will give you #8 if that's okay, just in case some of the regular MSE'rs want their number from last year.

    Please add this to your signature as it makes it easier when it comes to updating and keeping an eye on the thread as you can imagine sometimes it moves quite fast and I dont want to miss any updates.

    Any questions let me know, or one of the regulars can help if Im not online, I do check my thread regularly when I have access to my laptop to update the spread sheet and my phone to read the posts from you all.

    Welcome again to the challenge and good luck.

    Westie983
    Last edited by Westie983; 02-01-2019 at 1:36 AM.
    Save 12k in 2019 #42 Total (16000)+2300/12000 = 19.16%
    Sealed Pot Challenge ~ 12 #97 Total (505)+0/500 = 0.00%
    Xmas 2019 1 a Day #20 Total (165)+260.00/365 = 71.23%
    Virtual Sealed Pot #1 Total (1300)+550/1000 = 55.00%
    2 Savers Club 2018 #16 Total (1030)+700/2000 = 35.00%

    Total 3810.00/15865 = 24.01%
    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
    • Littletinks
    • By Littletinks 2nd Jan 19, 8:15 AM
    • 110 Posts
    • 200 Thanks
    Littletinks
    • #6
    • 2nd Jan 19, 8:15 AM
    • #6
    • 2nd Jan 19, 8:15 AM
    Hey Westie983,

    I'm hoping I can join your great challange, reading your post which I stumbled on accidently last night encouraged me to sign up to MSE straight away in the hope you might be running a new challange for this year.

    My aims this year are to reduce my overall debt ( nearly 9k ��), clear my store card (531) and save a bit more on top of my regular 50pm ISA. I'm hoping I will save at least 200 by December by participating in your challange.

    Many thanks
    • Westie983
    • By Westie983 2nd Jan 19, 10:07 AM
    • 4,789 Posts
    • 15,417 Thanks
    Westie983
    • #7
    • 2nd Jan 19, 10:07 AM
    • #7
    • 2nd Jan 19, 10:07 AM
    Hey Westie983,

    I'm hoping I can join your great challange, reading your post which I stumbled on accidently last night encouraged me to sign up to MSE straight away in the hope you might be running a new challange for this year.

    My aims this year are to reduce my overall debt ( nearly 9k ��), clear my store card (531) and save a bit more on top of my regular 50pm ISA. I'm hoping I will save at least 200 by December by participating in your challange.

    Many thanks
    Originally posted by Littletinks
    Hi and welcome the MSE and to the VSP 2019 challenge.

    Your number is #9. Please add this to your signature, if you need help to how to set one up let me know. Have a read if you haven't already on how the challenge works and familiarise yourself with the update links. What would you like your target to be?

    Westie983
    Last edited by Westie983; 02-01-2019 at 10:09 AM.
    Save 12k in 2019 #42 Total (16000)+2300/12000 = 19.16%
    Sealed Pot Challenge ~ 12 #97 Total (505)+0/500 = 0.00%
    Xmas 2019 1 a Day #20 Total (165)+260.00/365 = 71.23%
    Virtual Sealed Pot #1 Total (1300)+550/1000 = 55.00%
    2 Savers Club 2018 #16 Total (1030)+700/2000 = 35.00%

    Total 3810.00/15865 = 24.01%
    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
    • ruby_eskimo
    • By ruby_eskimo 2nd Jan 19, 10:16 AM
    • 2,255 Posts
    • 12,613 Thanks
    ruby_eskimo
    • #8
    • 2nd Jan 19, 10:16 AM
    • #8
    • 2nd Jan 19, 10:16 AM
    Hi Westie! Thanks for setting up the new thread; I've been here before but kind of fell off the wagon last year so this year I'm determined to make a come back with the saving. Can I request number 13 if it's still available?
    Emergency Fund - 0 / 5,000 :: Decluttering - 12 / 1095
    :: VSP #13 - 18.49:: NSD 2019 - 17 / 200 Weight Loss: 43 / 58lbs January GC - 76.35/ 200
    Engaged 9th December 2010 Married 29th October 2015 Bought a House 13th January 2017
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 2nd Jan 19, 10:29 AM
    • 864 Posts
    • 5,239 Thanks
    swimminginaseaofdebt
    • #9
    • 2nd Jan 19, 10:29 AM
    • #9
    • 2nd Jan 19, 10:29 AM
    Morning,

    Can you add me to the challenge please? I will aim for 100 but may increase this depending on how I get on.

    Happy to have any number from the list
    SPC11 #564 - 186.83
    SPC12 #22 - In Progress

    VSPC 2019 #10 - 132.88/100
    • lozzy81
    • By lozzy81 2nd Jan 19, 10:30 AM
    • 230 Posts
    • 784 Thanks
    lozzy81
    Hi Westie

    Its a been a couple of years since I last joined in, would like to get back on board this year and get some savings back under my belt!

    Not sure about a target.... will aim for 200
    Virtual sealed pot 2019 member #6
    0.00/200
    • Littletinks
    • By Littletinks 2nd Jan 19, 10:36 AM
    • 110 Posts
    • 200 Thanks
    Littletinks
    Thanks Westie
    Hopefully I've done it right and my signature is now set up. I wld like to aim for 200 pls
    Virtual Sealed Pot Challenge 2019 #9 366.55/300
    PDBX 2019 #65 target 972/2800.90
    As of 1/1/19: Debt 1 567.90 - plan to clear by end of March 19. Debt 2 2233, Debt 3 6390 . Debt 1 cleared 27/2/19.

    Day one or One day, I'm pledging today as my day one, to a better future!
    • Example79
    • By Example79 2nd Jan 19, 10:56 AM
    • 33 Posts
    • 127 Thanks
    Example79
    Thanks Westie. My target will be 250.
    Pay all your debts off by Xmas 2019 #37 119.95 / 2500 4.79% paid
    2 saver #24 - 4 saved
    365 penny challenge 2019 #16 - 26.05 / 667.95 (3.9%)
    Virtual Sealed Pot Challenge #8 55.80 / 250 (22.3%)
    • pinkfluffybabe
    • By pinkfluffybabe 2nd Jan 19, 2:02 PM
    • 2,673 Posts
    • 8,824 Thanks
    pinkfluffybabe
    Thanks Westie, I'm back in for another year. I was No.12 last year but don't mind if I keep or change number.

    My target will be 150 again.
    Not buying unnecessary toiletries 2019 98/146 UU, 53 IN
    Mortgage Free Wannabe 2019 No.64 478.74/1000
    Saving for Christmas 2019 No.13 335/365
    Virtual Sealed Pot Challenge 2019 No.12 101.50/150
    • Westie983
    • By Westie983 2nd Jan 19, 9:49 PM
    • 4,789 Posts
    • 15,417 Thanks
    Westie983
    Hi Westie! Thanks for setting up the new thread; I've been here before but kind of fell off the wagon last year so this year I'm determined to make a come back with the saving. Can I request number 13 if it's still available?
    Originally posted by ruby_eskimo
    No problem Ruby_eskimo, you can have #13 not a problem, lets hope you stay on the wagon this year. Ill be here to motivate, what would you want your target to be?

    Westie983
    Save 12k in 2019 #42 Total (16000)+2300/12000 = 19.16%
    Sealed Pot Challenge ~ 12 #97 Total (505)+0/500 = 0.00%
    Xmas 2019 1 a Day #20 Total (165)+260.00/365 = 71.23%
    Virtual Sealed Pot #1 Total (1300)+550/1000 = 55.00%
    2 Savers Club 2018 #16 Total (1030)+700/2000 = 35.00%

    Total 3810.00/15865 = 24.01%
    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 2nd Jan 19, 9:51 PM
    • 4,789 Posts
    • 15,417 Thanks
    Westie983
    Morning,

    Can you add me to the challenge please? I will aim for 100 but may increase this depending on how I get on.

    Happy to have any number from the list
    Originally posted by swimminginaseaofdebt
    Hi Swimminginaseaofdebt,

    You can have #7 for now but may move you all up if we don't get the regulars back.

    Westie983
    Save 12k in 2019 #42 Total (16000)+2300/12000 = 19.16%
    Sealed Pot Challenge ~ 12 #97 Total (505)+0/500 = 0.00%
    Xmas 2019 1 a Day #20 Total (165)+260.00/365 = 71.23%
    Virtual Sealed Pot #1 Total (1300)+550/1000 = 55.00%
    2 Savers Club 2018 #16 Total (1030)+700/2000 = 35.00%

    Total 3810.00/15865 = 24.01%
    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 2nd Jan 19, 9:53 PM
    • 4,789 Posts
    • 15,417 Thanks
    Westie983
    Hi Westie

    Its a been a couple of years since I last joined in, would like to get back on board this year and get some savings back under my belt!

    Not sure about a target.... will aim for 200
    Originally posted by lozzy81
    Hi welcome back lozzy81, I will give you #6 please add it to your signature.

    Westie983
    Save 12k in 2019 #42 Total (16000)+2300/12000 = 19.16%
    Sealed Pot Challenge ~ 12 #97 Total (505)+0/500 = 0.00%
    Xmas 2019 1 a Day #20 Total (165)+260.00/365 = 71.23%
    Virtual Sealed Pot #1 Total (1300)+550/1000 = 55.00%
    2 Savers Club 2018 #16 Total (1030)+700/2000 = 35.00%

    Total 3810.00/15865 = 24.01%
    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
    • hummingbird
    • By hummingbird 2nd Jan 19, 10:04 PM
    • 1,446 Posts
    • 7,539 Thanks
    hummingbird
    Hi Westie, I'm looking forward to this new start! I will set a target of 1000 please ( last year's target was a bit unrealistic lol).
    I was number 24 last year but would like 14 if it's still up for grabs x Thanks Westie!
    10 a day extra in May '18[B[B]]35/310[
    Virtual Sealed Pot 2018 500/2500 = 20%
    You can find my diary here:http://forums.moneysavingexpert.com/showthread.php?t=5189836
    • Raggle1
    • By Raggle1 2nd Jan 19, 10:25 PM
    • 47 Posts
    • 274 Thanks
    Raggle1
    Hi Westie983,
    I would like to join the 2019 challenge please. i'm a newbie to the challenge and have read the posts one and two in preparation. I will set my target at 100 provisionally.
    Thanks
    MFW 2019 No. 62 9120/10000; MFW 2018 No. 62 3390/2400
    SPC 12 No.006 34+/No target
    Virtual SPC 2019 No.11 43.03/100
    • klbooth
    • By klbooth 2nd Jan 19, 10:56 PM
    • 213 Posts
    • 794 Thanks
    klbooth
    Hi Westie, I am back for another year please, I will go for 500 I think, see how I do this year
    • RhiBi
    • By RhiBi 3rd Jan 19, 10:15 AM
    • 663 Posts
    • 1,886 Thanks
    RhiBi
    I'm in, I'm in!!!!

    Can I have a target of 500 please? I was no.7 last year but don't mind changing as I can see it's been allocated already!

    Thanks Westie
    Virtual Sealed Pot 2019 11.69/500
    Bring your Lunch to Work to Work Jan 0/19
    2 Savers Club #25 - 4
    Pay debt in 100 days 170/1200
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