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  • FIRST POST
    • Sue-UU
    • By Sue-UU 3rd Nov 17, 12:05 AM
    • 8,633Posts
    • 48,124Thanks
    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 50
    • mummytummy
    • By mummytummy 3rd May 18, 6:07 PM
    • 732 Posts
    • 3,651 Thanks
    mummytummy
    Welcome back SueUU you've certainly been through the ringer a few times, so good to have you back but take it steady
    1. Sealed Pot Challenge No.11 #11 538.74
    2. MFiT-T4 #62 (87% saved)
    3. Save 12k in 2018 #144 915/3000
    • Dragon Lily
    • By Dragon Lily 3rd May 18, 10:46 PM
    • 252 Posts
    • 2,492 Thanks
    Dragon Lily
    Lovely to hear that you're much better Sue-UU. I haven't been on in a while but still potting quietly in the background . Potted 3 today including 1 roadkill I found on the pavement :
    Star from Sue-UU

    SPC10= 209
    SPC11 #105 banked 120
    3-6 EF #66 Target 3000 (1270)42%
    • Chutney86
    • By Chutney86 5th May 18, 8:26 PM
    • 286 Posts
    • 2,655 Thanks
    Chutney86
    Welcome back Sue-UU

    2 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
    • Saver-upper
    • By Saver-upper 9th May 18, 10:08 PM
    • 1,807 Posts
    • 13,644 Thanks
    Saver-upper
    While tidying up yesterday,I potted 8 in 2 coins that were sitting on the side.
    SPC #155 x 7.SPC7=751.10 SPC8=651.04 SPC9=843.00 SPC10=872.76
    Pinecone 301,Valued Opinions 10.50





    • onedaysomeday
    • By onedaysomeday 10th May 18, 10:44 AM
    • 560 Posts
    • 817 Thanks
    onedaysomeday
    Potted a whole 1.10 yesterday :P
    Just trying to make up for past mistakes and work towards the future I want
    • siju
    • By siju 11th May 18, 12:18 PM
    • 285 Posts
    • 3,020 Thanks
    siju
    Manage to pot just over 9 last night. It's feeling heavy now!

    Have a lovely weekend potters
    SPC 11 - #192
    Totals: 2014 - 264.51 2015 - 207.50 2016 - 396.79 2017 - 369.49
    • Dragon Lily
    • By Dragon Lily 11th May 18, 5:03 PM
    • 252 Posts
    • 2,492 Thanks
    Dragon Lily
    Potted 4 today that was left over from shopping. My pot is getting really heavy now but can still lift it with one hand ..just!
    Star from Sue-UU

    SPC10= 209
    SPC11 #105 banked 120
    3-6 EF #66 Target 3000 (1270)42%
    • Chutney86
    • By Chutney86 12th May 18, 5:19 PM
    • 286 Posts
    • 2,655 Thanks
    Chutney86
    8 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
    • Westie983
    • By Westie983 12th May 18, 8:53 PM
    • 4,551 Posts
    • 15,077 Thanks
    Westie983
    Hi,

    Just chucked 20 in 1 into my pot....

    Everyone counts, I'm up to 40.00 now

    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
    • dustydigger
    • By dustydigger 13th May 18, 11:34 AM
    • 587 Posts
    • 1,994 Thanks
    dustydigger
    The obligatory purse emptying produced an amazing 23.89But only the 3.89 is going in the pot.My stepson in the USA suddenly announced he and two of his kids (19 and 17 yrs old) are coming to visit for a week beginning of June while on their way to Africa . Just over 3 weeks warning isnt much,I have so much to do and buy,that 20 is earmarked for paint
    Last edited by dustydigger; 13-05-2018 at 11:36 AM.

    SPC 2018 # 012 -
    2 Savers 2018 #19 154 Tesc* Xmas Savers 25.85
    Icel@nd bonus card 16 House & Home Fund 2018 - 277 (plus 174 from 2017 = 451)
    weight loss - 2st 7lb AF Mar-Aug 178 days+ Sep 17/24 Books read Sep 8/12 Prolific 4.75

    • MrsShazbat
    • By MrsShazbat 13th May 18, 9:10 PM
    • 564 Posts
    • 2,807 Thanks
    MrsShazbat
    7 in total potted tonight in the weekly purse clear-out. Pot good and heavy.
    * Xmas 2018 #8 310 / 365 * (2017 496.53; 2016 424.32) * SPCNo.11 #66 * Clothes Challenge 2018 #13 *
    SPCNo.10 682.31
    SPCNo.9 442.64
    • Incywincy21
    • By Incywincy21 14th May 18, 8:24 PM
    • 56 Posts
    • 183 Thanks
    Incywincy21
    Long time no see, everyone!
    Sorry you haven't been having a great time Sue-UU glad to see you're back and things are a little better!

    So, it's been quite some time since I have been on, but I have still been potting. Lots of unconventional ways but it's always fun!
    Physio is going well, and I'm walking with a rollator (wheeled walker) more now. So now I'm either in my wheelchair with my litter picker picking up road kill, or on a good day, i'm out getting some steps on my fitbit and picking up roadkill with my litter picker!! I'm reknowned round here, I tell you!

    Managed to pot quite a bit the last fortnight:
    *Found some old Euro's which I took to the post office and exchanged back to GBP - bagging myself 38.63! I couldn't believe it, i hadn't really added up the euros, it was just a load of change! (Not sure the woman behind the counter really understood why I was so pleased!
    * Found some coins, including old coins, and old 5 note and 2 old 10 notes in an old purse under the bed! (Altogether 29.58!)
    * Thought washer was broken, but it just had a 2 coin jammed in it!

    Really feel like my luck is on the up. 70.21 in two weeks! More than I've potted in months I think!
    Hope you're all well, and it's good to be back!
    Incy x
    SPC no. 462 TOTAL 48.11
    SPC11 No.462 Target: 250
    NSD May - Acheived: 7 NSDs (Started 21/05/17)
    NSD June (Target 15/30) - Achieved: 14/15
    NSD July (Target 18/31) - Achieved: 3/18
    • Sue-UU
    • By Sue-UU 15th May 18, 7:33 PM
    • 8,633 Posts
    • 48,124 Thanks
    Sue-UU
    Hello again folks! Welcome aboard our latest member!
    Hi Everyone,

    Could I please join in the fun?
    No target just happy to have a surprise at the end.
    Originally posted by Missymae0


    A VERY warm welcome to you
    Missymae0 No 084. It's lovely to have you with us. Have fun saving and enjoying the banter. You'll find your numbers at the bottom of the list on the 3rd post of page 1. Please read through post 1 as it'll let you know exactly what to do with the challenge. PS. We always empty our pots and declare our savings in November, please make a note of this year's date: 1st Nov 2018.

    Please also subscribe to the thread by clicking on "Thread Tools" (lower green bar) and clicking "Subscribe to this thread"...or you may lose us! To put your SPC No on, go to "Quick Links" (right side of top green bar), click and then click on "Edit Signature" and you're away.

    *Please (first please check and) pop your numbers on your sig, it really helps me

    Many thanks for welcoming Missymae0 on, 3forholidays, here's a lovely shiny star for you.

    Yayyyyy! welcome back Sue! I have missed you! <-- (its a Sue sandwich )

    Things not so great in the J-M household, had my PIP result back and the assessor put a big old bag of (I want to say made up junk but i'm sure the DWP would never employ people who would do that . . ) miss information causing my award to be downgraded Mandatory reconsideration posted off today with a shed load of aguements against their findings and to top it all off, the ME I 'don't suffer with' has knocked me for 6 and the pain 'I don't have as I don't take meds' is crippling me and got me mostly confined to my ruddy chair again
    Originally posted by jakes-mum


    It's great to see you too, jakes-mum, though I'm not giving you a dodgy hug, though I know how it's meant.

    I sincerely hope you managed to get your PIP sorted out, or that you will do! Please let us know how things go.



    So VERY MANY THANKS to you ALL you wonderful SPCers! I really and truly appreciate all your kind, lovely words, bless you all.


    You've all been saving in a brilliant way and I'm so very proud of you, excellent work for sure!!!! BTW, I've 25 which has just gone in my pots!!

    Not a great deal to write at the moment because we're very busy....

    ..It'll be at least TWO WEEKS until you hear from me again (nothing new lately you probably say! ) as Hubby & I will be going away on holiday to Scotland on Thursday!!!! We're so looking forward to it and no matter what the weather's like we'll thoroughly enjoy ourselves as we always do! I'll see you during the week after the 3rd, and until then, take very great care of yourselves...and save well!!!


    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!!!!

    • Saver-upper
    • By Saver-upper 15th May 18, 10:57 PM
    • 1,807 Posts
    • 13,644 Thanks
    Saver-upper
    Enjoy your hols,Sue.It is very well-deserved after everything you have been through.
    Potted 86p found while tidying the bedroom this morning.
    SPC #155 x 7.SPC7=751.10 SPC8=651.04 SPC9=843.00 SPC10=872.76
    Pinecone 301,Valued Opinions 10.50





    • siju
    • By siju 16th May 18, 12:39 PM
    • 285 Posts
    • 3,020 Thanks
    siju
    Have a lovely holiday Sue, should be just what you need xxx
    SPC 11 - #192
    Totals: 2014 - 264.51 2015 - 207.50 2016 - 396.79 2017 - 369.49
    • Saver-upper
    • By Saver-upper 17th May 18, 11:24 PM
    • 1,807 Posts
    • 13,644 Thanks
    Saver-upper
    50 potted this afternoon .
    SPC #155 x 7.SPC7=751.10 SPC8=651.04 SPC9=843.00 SPC10=872.76
    Pinecone 301,Valued Opinions 10.50





    • Whatshername
    • By Whatshername 18th May 18, 3:53 AM
    • 55 Posts
    • 317 Thanks
    Whatshername
    10 potted today.
    #034 Sealed Pot 2018 Challenge - Declare 01st Nov
    #064 Pay debts by Xmas 2018 Challenge - 1262/5252
    #042 100 ways for 1% challenge - 24%
    • Dragon Lily
    • By Dragon Lily 18th May 18, 5:37 PM
    • 252 Posts
    • 2,492 Thanks
    Dragon Lily
    Have a lovely holiday, Sue. Well deserved after the last few months you had. !!!55357;!!!56832;

    Potted 5 from the change I received from car parking. Had to use a 20 note as I didn't have enough change! !!!55357;!!!56832;
    Star from Sue-UU

    SPC10= 209
    SPC11 #105 banked 120
    3-6 EF #66 Target 3000 (1270)42%
    • Chutney86
    • By Chutney86 20th May 18, 6:16 AM
    • 286 Posts
    • 2,655 Thanks
    Chutney86
    Have a lovely holiday Sue

    2 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
    • jakes-mum
    • By jakes-mum 21st May 18, 4:56 PM
    • 4,434 Posts
    • 43,001 Thanks
    jakes-mum
    60 in the pots today, made up of 40 x 1 coins and 20 of 50p's, most of the cashback I just took out of Quidc0, another 25 to take out but we are watching the pennies this month so left it there just incase I need it.
    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
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