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  • FIRST POST
    • Sue-UU
    • By Sue-UU 3rd Nov 17, 12:05 AM
    • 8,633Posts
    • 48,127Thanks
    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 48
    • e4rub
    • By e4rub 15th Apr 18, 9:58 PM
    • 702 Posts
    • 6,043 Thanks
    e4rub
    Evening potters!

    Not much potting from me, had to tighten our belts as hubby was off work for a few weeks, boo!!
    Managed to pot £1 today.

    Emily x
    SPC #209 £385 banked so far 2018Debt Free Date 1st August 2016 Christmas 2018 £1000 saved...so far
    • Buffythedebtslayer
    • By Buffythedebtslayer 15th Apr 18, 10:15 PM
    • 15,286 Posts
    • 50,944 Thanks
    Buffythedebtslayer
    Hello, just popping in to say am still here, I deliberately haven't counted anything just putting change away on Fridays.

    Hope all is well XX
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • siju
    • By siju 17th Apr 18, 1:05 PM
    • 285 Posts
    • 3,022 Thanks
    siju
    What a horrible day it's like winter again! Bring on the sun Hugs to all that need them

    My purse is bursting with change so I need to pot quickly. Counted it up and there is £15.78 to pot today, yippee.
    SPC 11 - #192
    Totals: 2014 - £264.51 2015 - £207.50 2016 - £396.79 2017 - £369.49
    • onedaysomeday
    • By onedaysomeday 19th Apr 18, 9:04 AM
    • 560 Posts
    • 818 Thanks
    onedaysomeday
    £2.20 potted yesterday - I like to track mine and it's just gone over £30 which isn't loads but I never thought i'd be able to have £30 laying around and not touch it
    • 32b3in2013
    • By 32b3in2013 19th Apr 18, 9:55 PM
    • 2,170 Posts
    • 18,585 Thanks
    32b3in2013
    Evening

    This challenge certainly makes us more inclined to leave the money to grow onedaysomeday Well done and keep going.

    £2 potted for me today.

    32b3
    SPC9 #125 - £816.85
    SPC10 #125 - £851.81
    VSPC #19 - £40.52/£250
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 19th Apr 18, 9:56 PM
    • 815 Posts
    • 5,074 Thanks
    swimminginaseaofdebt
    Evening everyone,

    Have potted some silver coins today, feel like I haven't put anything in for ages.
    Debt 1 - £182.93/£2538
    SPC11 #564
    • Saver-upper
    • By Saver-upper 21st Apr 18, 2:00 AM
    • 1,808 Posts
    • 13,654 Thanks
    Saver-upper
    Soooooo quiet around here!We used to be able to chat for hours on here .
    The other day I potted £30 in notes that I had been paid.As mentioned before,I usually get paid online,but occasionally a customer prefers to pay cash on the day.When I can,I pot these payments.I probably shouldn't have potted this too soon-our eldest chid turns 16 on Wednesday,and so far no presents have been bought .
    SPC #155 x 7.SPC7=£751.10 SPC8=£651.04 SPC9=£843.00 SPC10=£872.76
    Pinecone £301,Valued Opinions £10.50





    • jakes-mum
    • By jakes-mum 21st Apr 18, 4:02 PM
    • 4,434 Posts
    • 43,004 Thanks
    jakes-mum
    Soooooo quiet around here!We used to be able to chat for hours on here .
    The other day I potted £30 in notes that I had been paid.As mentioned before,I usually get paid online,but occasionally a customer prefers to pay cash on the day.When I can,I pot these payments.I probably shouldn't have potted this too soon-our eldest chid turns 16 on Wednesday,and so far no presents have been bought .
    Originally posted by Saver-upper
    I'm not sure if people have lost their mojo or are a bit shy to post Our Sue usually replies to most of us that keeps us chatting, there has been a big hole without her here Hopefully she is on the mend though!

    Well done with your potting though hopefully you can scramble some pennies for your DS's birthday (Happy Birthday Mini Saver-upper!!! )

    Have been chucking change in as and when I have it, no idea what or how much but the tins are all nice and heavy.

    Went on a bit of a blow out shopping trip with my mum yesterday, she has been feeling very low about herself and I deperately needed new jeans (I actually pulled my last pair up and they ripped all round the waist band they are so old! thankfully I was in the bedroom not out and about ) Made mum take some money out of their savings and we went and bought her some really nice and flattering clothes, for the first time in a very long time, she came out of the changing rooms smiling! I made her go straight back in after she paid and change into them for the day, we got her some really good quality shoes (rather than the horrible cheap ones she keeps buying that do nothing to help her feet) and she spent the whole day beaming and saying how good she felt
    I am suffering terribly today with the aftermath (was suffering most of the trip as well!) but it was totally worth it to get her some decent clothes that make her feel good about her self
    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) 0/£1000
    Total Wins Of 2012 = £3015.03 Wins Of 2013 = £4427.11 Wins of 2014 = £2361.97 Wins of 2015 = £1754.90 Wins of 2016 £267.98 Wins of 2017 £25 Wins of 2018 £59
    • 32b3in2013
    • By 32b3in2013 21st Apr 18, 7:08 PM
    • 2,170 Posts
    • 18,585 Thanks
    32b3in2013
    Evening

    sounds like a good day Jakes-Mum. Sometimes all we need is a bit of a change to make us feel better.

    £11.80 potted yesterday. Nothing potted yet today.

    32b3
    SPC9 #125 - £816.85
    SPC10 #125 - £851.81
    VSPC #19 - £40.52/£250
    • 32b3in2013
    • By 32b3in2013 22nd Apr 18, 9:09 PM
    • 2,170 Posts
    • 18,585 Thanks
    32b3in2013
    Evening

    £1.27 potted today.

    Have a great week everyone.

    32b3
    SPC9 #125 - £816.85
    SPC10 #125 - £851.81
    VSPC #19 - £40.52/£250
    • Westie983
    • By Westie983 23rd Apr 18, 4:26 AM
    • 4,559 Posts
    • 15,078 Thanks
    Westie983
    Im still here, nothing to pot, but still reading/following

    Westie983
    Save 12k in 2018 #10 Total (£25000)+£14800/£12000 = 123.33%
    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 £1200/£1000 = 120.00%
    £2 Savers Club 2018 #16 Total (£1500)+-470/£2000 = 51.50%

    Total £18132.59/£15865 = 114.29%

    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
    • siju
    • By siju 23rd Apr 18, 12:49 PM
    • 285 Posts
    • 3,022 Thanks
    siju
    What a lovely weekend, weather-wise. We took a short drive out to sit on a bench and eat an ice cream - it felt like being on holiday. What a cheap date I am!

    My purse is bursting with change again so I am potting £10.91 today. Can't wait for November as I think I've been potting really well this year so far. Have a great week everyone.
    SPC 11 - #192
    Totals: 2014 - £264.51 2015 - £207.50 2016 - £396.79 2017 - £369.49
    • onedaysomeday
    • By onedaysomeday 23rd Apr 18, 4:06 PM
    • 560 Posts
    • 818 Thanks
    onedaysomeday
    Well done everyone on the potting so far
    • mummytummy
    • By mummytummy 24th Apr 18, 5:52 PM
    • 733 Posts
    • 3,654 Thanks
    mummytummy
    Just nipped in to apologise for not posting in quite a while

    Sorry to hear that our matriarchal leader SueUU is not well and wish her a speedy recovery

    My potting is going quite well I think, the pot is quite heavy now, I'm hoping for a substantial amount this year as I'll be having family staying with me over Christmas and New Year so any extra cash will be extremely helpful. Just hope I can keep my sanity
    1. Sealed Pot Challenge No.11 #11 £538.74
    2. MFiT-T4 #62 (87% saved)
    3. Save 12k in 2018 #144 £915/£3000
    • Chutney86
    • By Chutney86 24th Apr 18, 10:50 PM
    • 286 Posts
    • 2,656 Thanks
    Chutney86
    £6 potted for me today
    SPC #23 - 2015 = £319.60 / 2016 = £315.50 / 2017 = £490.75
    MFW #93 - 2017 = £1942.84/£1900 / 2018 = £8461.46/£3000
    MFiT-T4 #28
    • TheCatsandDogsMother
    • By TheCatsandDogsMother 25th Apr 18, 8:37 AM
    • 93 Posts
    • 1,086 Thanks
    TheCatsandDogsMother
    Hi everyone, I havenít posted in a while. My potting has been going steadily and Iíve paid off the credit card again. My pop died suddenly and the trip back needed to happen ASAP so everything went on the credit card. I had to change jobs recently due to unrealistic overtime expectations and the payout from all my TiL meant I could pay it all off and contribute to my little brothers trip which was nice.
    I hope everyone has been well.
    Number 495
    • jakes-mum
    • By jakes-mum 25th Apr 18, 10:06 AM
    • 4,434 Posts
    • 43,004 Thanks
    jakes-mum
    I'm so sorry for your loss Thecatsanddogsmother. Dodgy looking hugs to you I hope your new job is much better than your old one, though the job change seems a strange blessing in a way to give you the money you needed and took the financial stress away for you at such a sad time.

    Lots of lovely potting going on right now are we all getting pot happy with that 2 day summer we had?

    Still potting away here, we have again decided that pot money will be used toward a holiday, this time in 2019 I quite like having a purpose for my pot, it motivates me to chuck in a little bit more as its 'for something special' not just a 'oooo look we have pennies!' on pot opening day. Do other potters have a pot spending goal? or am I just strange? probably the latter but i doubt thats just because of my pots

    Time to go and do boring stuff like hoover and go to the builders yard i'm much rather be holiday planning and crocheting! Have a lovely Wednesday everyone!
    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) 0/£1000
    Total Wins Of 2012 = £3015.03 Wins Of 2013 = £4427.11 Wins of 2014 = £2361.97 Wins of 2015 = £1754.90 Wins of 2016 £267.98 Wins of 2017 £25 Wins of 2018 £59
    • onedaysomeday
    • By onedaysomeday 25th Apr 18, 12:43 PM
    • 560 Posts
    • 818 Thanks
    onedaysomeday
    I don't really know what I'll use mine for come November, haven't really thought about it! I'm just happy it's building slowly for now lol x
    Just trying to make up for past mistakes and work towards the future I want
    • onedaysomeday
    • By onedaysomeday 25th Apr 18, 5:40 PM
    • 560 Posts
    • 818 Thanks
    onedaysomeday
    A whopping £1.30 potted today
    Just trying to make up for past mistakes and work towards the future I want
    • Saver-upper
    • By Saver-upper 26th Apr 18, 10:26 PM
    • 1,808 Posts
    • 13,654 Thanks
    Saver-upper
    TheCatsAndDogsMothher,I am sorry for your loss.Gentle hugs for you.

    Jake's Mum,yes,Sue did a great job speaking to every new SPCer individually.I think that sort of welcome must give an impression of "thread friendliness".The thread is missing you,Sue .

    I potted £12 in £2 coins that had been milling around in my purse for a few weeks..I think 2018 will be a record for £2 coins (for those who don't know,I aim to pot every £2 coin that crosses my path-I think last year I only had to spend two of them before I could get them to the pot).
    Last edited by Saver-upper; 26-04-2018 at 10:28 PM.
    SPC #155 x 7.SPC7=£751.10 SPC8=£651.04 SPC9=£843.00 SPC10=£872.76
    Pinecone £301,Valued Opinions £10.50





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