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  • FIRST POST
    • Sue-UU
    • By Sue-UU 3rd Nov 17, 12:05 AM
    • 8,628Posts
    • 48,083Thanks
    Sue-UU
    Sealed Pot Challenge ~ 11
    • #1
    • 3rd Nov 17, 12:05 AM
    Sealed Pot Challenge ~ 11 3rd Nov 17 at 12:05 AM
    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
    Last edited by Sue-UU; 04-11-2017 at 6:50 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 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 42
    • Westie983
    • By Westie983 12th Feb 18, 10:03 PM
    • 4,333 Posts
    • 14,890 Thanks
    Westie983
    Afternoon Potters

    Well it's good to see we are merged again - well done Westie, I'm glad someone knew what to do! Sending a hug to you for your current woes

    I managed to pot some bits and pieces over the weekend - didn't count it up, just threw it in.

    Enjoy the rest of your week.
    Originally posted by siju
    At least Im good for something lol...

    No potting but went into work to find out what is happening and got told its in hand, just enjoy the time off...

    Back I go to my hole, and wait for further instructions.

    I am seeing my sister and nieces and nephew tomorrow which will be a nice change.

    Im still here, keeping an eye.

    Westie983
    Save 12k in 2018 #10 Total (£25,000)+£10,000/£12,000 = 83.33%
    Sealed Pot Challenge ~ 11 #97 Total (£410) + £40/£500 = 8.00% ( x 11)
    Xmas 2018 £1 a Day #2 Total £62.59/£365 = 17.14%
    Virtual Sealed Pot #1 Total £750/£1,000 = 75.00%
    £2 Savers Club 2018 #16 Total (£1,500)+-480/£2,000 = 51.00%

    Total £11,872.59/£15,865 = 74.83%

    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
    • motivated
    • By motivated 13th Feb 18, 12:39 PM
    • 2,194 Posts
    • 4,343 Thanks
    motivated
    Some more change potted today 2 shiny new £2.00 coins sitting safely in my pot
    • Sue-UU
    • By Sue-UU 13th Feb 18, 5:06 PM
    • 8,628 Posts
    • 48,083 Thanks
    Sue-UU
    I'm back again folks, but not well.
    Hi Sealed Potters, I hope you are all relatively well. Iím getting better slowly but I had a really nasty fall on the 28th. Iíve no idea what happened but I fell from the top of our stairs then apparently jackknifed landing on my lower back with the back of my head smashing against the wall, my legs still facing upstairs!


    The 3 Paramedics (1 in a rapid response car) were wonderful, they gave me treatment here but feared Iíd fractured my skull or had a bleed in the brain. They rushed me to hospital but a CT scan revealed all was ok! Iím still very badly bruised and my lower back is extremely painful, but hopefully I will soon recover. They kept me in until the Sunday as I was concussed and Iíve been home recovering since. Iíve a lot of pain behind my hips and 2 horrible places on the back of my head, plus...a bowel infection! Still, Iím counting my blessings as by golly it could have been so much worse! I havenít a clue if it was epilepsy related or not but I have absolutely no recollection of it at all until I landed! My beloved DH has been fantastic as you all would know but Iím unable to go up or downstairs alone anymore, too darned scared too anyway!
    To be on the safe side weíre going to have a stairlift fitted, it will take so much worry and fear away from us both as we have a very awkward staircase. For now I go up with DH directly behind me, I come down right behind him with my hands on his shoulders.
    My how life changes in the blink of an eyelid!


    Iím not staying on here too long as Iím just not up to it, but I couldnít help but notice that our former SPC 11 thread is back, what a paraphernalia! Thanks so much for amalgamating them, Westie!!!! So sorry to hear of your problems and hope youíre soon able to leave the past behind. {{{hugs}}} for you to at least help a little. Good luck with the weight, no doubt itíll make a huge difference, the release of endorphins will make you feel so good.


    Vicky - have a wonderful holiday and well done for clearing up behind your DH!


    Thank you so much for being so caring 32b3, Lynne and Lost.



    It sounds as though youíve certainly got a far more comfortable car, Lynne, DH and I opted for the same in 2014 due to a longstanding back problem hubby has, it makes such a difference! Safe and happy traveling.


    You all please take good care! Love and best wishes folks. What a lark in getting my password to be taken!



    Sue xx

    Opening date for SPC 11 will be 1st November 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!!!!

    • babs 103
    • By babs 103 13th Feb 18, 6:09 PM
    • 59 Posts
    • 601 Thanks
    babs 103
    Oh Sue, please take care and hope you feel better very soon sending you some {{{{{{{{{{hugs}}}}}}}}}} xx
    SPC #11 025
    • lynnejk
    • By lynnejk 13th Feb 18, 7:44 PM
    • 5,343 Posts
    • 55,181 Thanks
    lynnejk
    Hiya Sue

    Soo sorry to read of your horrible tumble but pleased that no permanent damage seems to have occurred, apart from your confidence a little. We all were getting a little concerned over your long absence.

    Sending you some big, soft, squishy hugs and a bucketful of gws vibes.
    Lx
    £10day.2014=3213/2015=3421/2016=3238/2017=2702/2018=498..APR=12.03/300
    GrocC.2014=2162/2015=2083/2016=218/2017=1996/2018=450..APR=17.13/200
    Bulk buy.......APR=233.76
    GC.NSD..2015=216/2016=213/2017=229/2018=39..APR=03/15
    SPC130x61..2014=1178/2015=1287/2016=4616/2017=3843
    OS WL= -2/8 ......CC =00......Savings = £13,140
    • 32b3in2013
    • By 32b3in2013 13th Feb 18, 8:22 PM
    • 2,168 Posts
    • 18,578 Thanks
    32b3in2013
    Evening

    Oh no Sue, that sound so frightening, and also very painful. Look after yourself, we are fine amusing ourselves until you can pop back.

    Sounds like a stair lift is a good idea, it!!!8217;s better to be safe than sorry.

    32b3 xx
    SPC9 #125 - £816.85
    SPC10 #125 - £851.81
    VSPC #19 - £40.52/£250
    • MrsShazbat
    • By MrsShazbat 13th Feb 18, 9:33 PM
    • 545 Posts
    • 2,754 Thanks
    MrsShazbat
    {{{{{{{{{{hugs}}}}}}}}}} Sue xxx
    * Xmas 2018 #8 £155 / £365 * (2017 £496.53; 2016 £424.32) * SPCNo.11 #66 * Clothes Challenge 2018 #13 *
    SPCNo.10 £682.31
    SPCNo.9 £442.64
    • AntoMac
    • By AntoMac 14th Feb 18, 10:46 AM
    • 188 Posts
    • 1,255 Thanks
    AntoMac
    Dear oh dear Sue - So sorry to hear of your fall.

    The stair lift is definitely the way to go. My Mum has had one for years and any visiting kids will love it! Thinking of you
    Sealed Pot Challenge No 46

    27/5/17 Mort 64705 BTs 19040
    17/9/17 Mort 62577 BTs 17602
    31/12/17 Mort 59815 BTs 16737
    • siju
    • By siju 14th Feb 18, 12:47 PM
    • 270 Posts
    • 2,948 Thanks
    siju
    Oh poor you, Sue, how frightening. Sending my very best wishes for a speedy recovery xx

    Potting news - £10.34 to pot today
    SPC 11 - #192
    Totals: 2014 - £264.51 2015 - £207.50 2016 - £396.79 2017 - £369.49
    • 166million
    • By 166million 14th Feb 18, 5:52 PM
    • 1,206 Posts
    • 5,061 Thanks
    166million
    Best wishes to u Sue UU
    **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 £637
    My debt free diary http://http://forums.moneysavingexpert.com/showthread.php?t=3630099
    • DancingUnicorn
    • By DancingUnicorn 15th Feb 18, 8:20 AM
    • 152 Posts
    • 588 Thanks
    DancingUnicorn
    Good morning potters!
    Sorry to hear about your fall Sue many people in my family have stair lifts and it!!!8217;s transformed their lives. My niece and nephew absolutely love riding them too, but they make me feel very dizzy!

    We!!!8217;ve been on the ferry to Rotterdam and had a wonderful (though cold!) time, the OH has just put the deposit onto his first car (he!!!8217;s finally taking lessons in his 30!!!8217;s!), and we!!!8217;ve got a wedding to go to tomorrow!
    It!!!8217;s been a crazy half term, but I wouldn!!!8217;t have it any other way.

    Not much potting been happening (nearly potted some cents but realised I!!!8217;d kick myself come opening time) but hoping to have lots of change after the wedding.

    Huge hugs to those who need them (and those who don!!!8217;t hehe!)
    LBM: October 2016: £20,130 / Current: January 2018: £17,320 13.9%
    DFD: February 2024
    SPC#577 (2017: £60.58)
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 15th Feb 18, 6:34 PM
    • 738 Posts
    • 4,235 Thanks
    swimminginaseaofdebt
    Sue hope you feel better soon.

    Have potted a silver coin today (this was roadkill too).
    Pay all debt off by Christmas 2018 #150 - £895.62/£2018
    SPC11 #564
    • babs 103
    • By babs 103 15th Feb 18, 6:49 PM
    • 59 Posts
    • 601 Thanks
    babs 103
    4.26 potted today, new week starts tomorrow for me shopping wise so I'll try to get to the full fiver next week!
    SPC #11 025
    • e4rub
    • By e4rub 15th Feb 18, 10:47 PM
    • 699 Posts
    • 6,028 Thanks
    e4rub
    Evening Potters!

    Potted some shrapnel over the last few days.
    We are off on a cheeky little holiday tomorrow, courtesy of HMRC and the husband overpaying his tax at his previous employment
    The money was unexpected so we thought a treat was in order
    See you in a week

    Emily xx
    SPC #209 £315 banked so far 2018Debt Free Date 1st August 2016 Christmas 2018 £600 saved...so far
    • Saver-upper
    • By Saver-upper 15th Feb 18, 11:09 PM
    • 1,750 Posts
    • 13,264 Thanks
    Saver-upper
    Sue,I am sorry about your fall-how awful!
    Stairlift is a good idea.
    Please don't worry about us here- looking after yourself is the most important thing,and we can keep the thread going while you concentrate on yourself .
    I haven't posted for a while,but I have been keeping notes so I can update this thread.
    On 14th Jan I potted £50 cash that I had been paid for work,
    on 11th Feb I potted £8.21 that I had found over a few days while sorting through boxes of random tat
    a couple of days ago I potted £80 that I had been paid for work.
    SPC #155 x 7.SPC7=£751.10 SPC8=£651.04 SPC9=£843.00 SPC10=£872.76
    Pinecone £301,Valued Opinions £10.50





    • dustydigger
    • By dustydigger 16th Feb 18, 12:38 AM
    • 302 Posts
    • 1,282 Thanks
    dustydigger
    Into the pot goes £3.76 change left in my purse after shopping this morning

    SPC 2018 # 012 -
    £2 Savers 2018 #19 £90 Tesco Xmas Savers £17.29
    House & Home Fund 2018 - £172 (plus £174 from 2017 = £346)
    SW loss - 4 stone
    / AF May 21/24 Books read 10/14 Prolific £2.56
    30mins Walks (Body Magic) 8/12

    • MrsShazbat
    • By MrsShazbat 16th Feb 18, 9:22 PM
    • 545 Posts
    • 2,754 Thanks
    MrsShazbat
    £9 into the pot from the weekly purse clear-out and a bit into the bottle as well. Pot is already really heavy. Quidco total is up to £117.80 and eB*y total so far is £47.84 so it's all going well.
    * Xmas 2018 #8 £155 / £365 * (2017 £496.53; 2016 £424.32) * SPCNo.11 #66 * Clothes Challenge 2018 #13 *
    SPCNo.10 £682.31
    SPCNo.9 £442.64
    • DancingUnicorn
    • By DancingUnicorn 16th Feb 18, 9:45 PM
    • 152 Posts
    • 588 Thanks
    DancingUnicorn
    I found a nice crisp £20 floating around in the drawer where I keep my passport today. Asked the OH but he said it wasn't his - into the pot it went! Happy days!
    LBM: October 2016: £20,130 / Current: January 2018: £17,320 13.9%
    DFD: February 2024
    SPC#577 (2017: £60.58)
    • 32b3in2013
    • By 32b3in2013 17th Feb 18, 7:33 PM
    • 2,168 Posts
    • 18,578 Thanks
    32b3in2013
    Evening

    £16.53 potted today.

    32b3
    SPC9 #125 - £816.85
    SPC10 #125 - £851.81
    VSPC #19 - £40.52/£250
    • lynnejk
    • By lynnejk 17th Feb 18, 10:21 PM
    • 5,343 Posts
    • 55,181 Thanks
    lynnejk
    Evening potters

    Sending some gws vibes to all the poorlies and a sprinkling of ((hugs)) for all needing some

    Lovely to read of all the potting happening - some of it's really amazing amounts as well

    I've potted my usual weekly £10

    Hope you're all having a super weekend and staying warm and dry
    Lx
    £10day.2014=3213/2015=3421/2016=3238/2017=2702/2018=498..APR=12.03/300
    GrocC.2014=2162/2015=2083/2016=218/2017=1996/2018=450..APR=17.13/200
    Bulk buy.......APR=233.76
    GC.NSD..2015=216/2016=213/2017=229/2018=39..APR=03/15
    SPC130x61..2014=1178/2015=1287/2016=4616/2017=3843
    OS WL= -2/8 ......CC =00......Savings = £13,140
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