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  • FIRST POST
    • Sue-UU
    • By Sue-UU 3rd Nov 17, 12:05 AM
    • 8,628Posts
    • 48,084Thanks
    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 41
    • e4rub
    • By e4rub 8th Feb 18, 7:49 PM
    • 699 Posts
    • 6,028 Thanks
    e4rub
    Well done westie
    Thank god itís sorted!

    Emily x
    SPC #209 £315 banked so far 2018Debt Free Date 1st August 2016 Christmas 2018 £600 saved...so far
    • VickyA
    • By VickyA 8th Feb 18, 9:29 PM
    • 4,401 Posts
    • 21,355 Thanks
    VickyA
    50p potted... Going away tomorrow for a week - no potting will be done as I'll be in Dubai! Yay!
    SPC 8 #153 975.71 #9 £881.44 #10 £961.13 declared
    • MrsShazbat
    • By MrsShazbat 8th Feb 18, 9:38 PM
    • 547 Posts
    • 2,755 Thanks
    MrsShazbat
    Spooky things are happening here, the original sealed pot challenge 11 has reappeared in my subscribed threads
    Originally posted by mummytummy
    I know I haven't been on for a while but my original bookmark didn't work so had to come the long way round and re-save my bookmark.
    * Xmas 2018 #8 £186 / £365 * (2017 £496.53; 2016 £424.32) * SPCNo.11 #66 * Clothes Challenge 2018 #13 *
    SPCNo.10 £682.31
    SPCNo.9 £442.64
    • MrsShazbat
    • By MrsShazbat 8th Feb 18, 9:43 PM
    • 547 Posts
    • 2,755 Thanks
    MrsShazbat
    £5 in my pot tonight (but £2 back out in pound coins to pay my bin cleaners tomorrow) plus a few bits into the bottle.

    Have decided that for Lent, as well as office snacks and nibbles, I'm giving up taking my big purse to work - just a small purse, loyalty cards, a bit of cash and basic cashcard for emergencies. February to March payday is only a short month, and I really need to stop battering my overdraft/savings to cover overdraft. Working in the city centre can be expensive - "a bit of fresh air" turns into a spree in Debenhams or M&S and I just want a month where I don't keep whipping out the contactless debit card in particular!!
    * Xmas 2018 #8 £186 / £365 * (2017 £496.53; 2016 £424.32) * SPCNo.11 #66 * Clothes Challenge 2018 #13 *
    SPCNo.10 £682.31
    SPCNo.9 £442.64
    • Dragon Lily
    • By Dragon Lily 8th Feb 18, 10:29 PM
    • 247 Posts
    • 2,465 Thanks
    Dragon Lily
    £1 potted today. Will pot another £4 tomorrow after food shopping to keep up with my £5 a week potting target.
    Star from Sue-UU

    SPC10= £209
    SPC11 #105
    3-6 EF #66 Target £3000 (£1135) 38%
    • 166million
    • By 166million 9th Feb 18, 11:19 AM
    • 1,206 Posts
    • 5,061 Thanks
    166million
    I have £2.95 pot pending. Toying with the idea of taking cash out each month and potting what i don't spend. But if I have cash, I tend to spend it even if I don't 'need' to
    Last edited by 166million; 09-02-2018 at 11:24 AM.
    **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
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 9th Feb 18, 1:40 PM
    • 738 Posts
    • 4,242 Thanks
    swimminginaseaofdebt
    Afternoon everyone,

    Found 2 silver pieces of roadkill when I was out and about earlier, have promptly come home and popped them into my pot being the good girl that I am
    Pay all debt off by Christmas 2018 #150 - £895.62/£2018
    SPC11 #564
    • Westie983
    • By Westie983 9th Feb 18, 2:28 PM
    • 4,333 Posts
    • 14,890 Thanks
    Westie983
    Thanks for all the message and PM's I must say I have felt loved in a period when I felt nobody could..

    Trying to keep busy, I have rejoined SW after 4 years away, I have resigned up to the pool and I will get into a routine after my operation next weekend.

    Lets get myself moving again and maybe I will feel better for it.

    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
    • DancingUnicorn
    • By DancingUnicorn 9th Feb 18, 11:09 PM
    • 152 Posts
    • 588 Thanks
    DancingUnicorn
    I've had a crazy busy week at school and not had a chance to get online, now I finally got on and it seems like the threads have been merged or something? Whatever has happened I'm just glad I know where to find you all (and here's hoping it doesn't change again!).

    So sorry to hear that some of us are down in the dumps, but so happy to hear that our little potty family are looking out for each other. Big hugs for those of you who aren't feeling yourselves.

    It's finally payday and despite the many expenses I've had this month, I've managed to squirrel away £11.30 which can now go into the pot
    I'm withdrawing my £100 tomorrow, and I can go back to my £20/week plan so back to potting every week which makes me happy!
    LBM: October 2016: £20,130 / Current: January 2018: £17,320 13.9%
    DFD: February 2024
    SPC#577 (2017: £60.58)
    • xironsongx
    • By xironsongx 10th Feb 18, 12:00 PM
    • 141 Posts
    • 375 Thanks
    xironsongx
    £10 added to my wedding fund
    £60.44 total
    Engaged 01-09-17 Wedding £519.78 (BA) £80.22 (Sp) / £5,600 £5,000 left to save
    • 32b3in2013
    • By 32b3in2013 10th Feb 18, 10:05 PM
    • 2,168 Posts
    • 18,578 Thanks
    32b3in2013
    Evening

    £9.30 potted today

    3b3b
    SPC9 #125 - £816.85
    SPC10 #125 - £851.81
    VSPC #19 - £40.52/£250
    • xironsongx
    • By xironsongx 11th Feb 18, 7:32 AM
    • 141 Posts
    • 375 Thanks
    xironsongx
    Not saving for our wedding now.
    There's some short term saving goals I'd like to meet first.

    I'm working towards completing my emergency fund.
    Engaged 01-09-17 Wedding £519.78 (BA) £80.22 (Sp) / £5,600 £5,000 left to save
    • Jaydee92
    • By Jaydee92 11th Feb 18, 9:33 AM
    • 45 Posts
    • 171 Thanks
    Jaydee92
    Hope everyone is having a nice weekend.

    £25+ potted the last couple of days, helped by my brother giving me £20 back that I had forgot I lent him

    JD x
    SPC 11 - Number 322
    2018 1% Challenge - Number 30

    Debt: January 2016 - £29,524.74
    January 2018 - £19,769.91
    • jakes-mum
    • By jakes-mum 11th Feb 18, 11:52 AM
    • 4,409 Posts
    • 42,781 Thanks
    jakes-mum
    Morrning potterssssssssssss

    Well we've been running DS back and forth to work as he's working at a store further away while they finish building our local store and they reimbursed us the mileage yesterday at a grand sum of £36 put £20 in my purse and £16 in my pots DH went to the pub and came back with 5 x £1 coins . . also potted plus had a clear out of my purse so a little bit of shrapnel too
    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
    • katiepants
    • By katiepants 11th Feb 18, 6:58 PM
    • 85 Posts
    • 330 Thanks
    katiepants
    Potted a £2 coin that's been hanging around in my car for months.
    Sealed pot challenge 11: number 594
    • MrsShazbat
    • By MrsShazbat 11th Feb 18, 7:31 PM
    • 547 Posts
    • 2,755 Thanks
    MrsShazbat
    Purse clear-out today - some silver into the bottle and £4 into the pot.
    * Xmas 2018 #8 £186 / £365 * (2017 £496.53; 2016 £424.32) * SPCNo.11 #66 * Clothes Challenge 2018 #13 *
    SPCNo.10 £682.31
    SPCNo.9 £442.64
    • motivated
    • By motivated 11th Feb 18, 9:25 PM
    • 2,194 Posts
    • 4,343 Thanks
    motivated
    Hi all

    I managed to pot a whole £10 today. Itís been sitting in my purse and I obviously didnít spend it so in the pot it went
    • EverTheOptimist
    • By EverTheOptimist 11th Feb 18, 10:24 PM
    • 2,648 Posts
    • 15,681 Thanks
    EverTheOptimist
    Evening all

    I've been awol again, lots going on, but i have been potting bits and bobs in that time.

    I need to make a serious dent in my debt for many reasons so I'm back on the MSE wagon again and will be potting as much as I can.
    DEBT: £6000 loan
    SPC 7 #5 target £100 / actual £60 SPC 8 #5 target £100 / actual £200 SPC 9 #5 target £100/ actual £106.31 SPC 10 #5 target £100 / actual £83 SPC 11 #5 target £200
    • siju
    • By siju 12th Feb 18, 1:01 PM
    • 270 Posts
    • 2,948 Thanks
    siju
    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.
    SPC 11 - #192
    Totals: 2014 - £264.51 2015 - £207.50 2016 - £396.79 2017 - £369.49
    • 32b3in2013
    • By 32b3in2013 12th Feb 18, 8:57 PM
    • 2,168 Posts
    • 18,578 Thanks
    32b3in2013
    Evening

    £2.41 potted today.

    32b3
    SPC9 #125 - £816.85
    SPC10 #125 - £851.81
    VSPC #19 - £40.52/£250
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