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  • FIRST POST
    • Sue-UU
    • By Sue-UU 3rd Nov 17, 12:05 AM
    • 8,635Posts
    • 48,139Thanks
    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 57
    • marmiterulesok
    • By marmiterulesok 10th Aug 18, 5:16 PM
    • 7,775 Posts
    • 35,332 Thanks
    marmiterulesok
    Added 20c more.
    NSD October 8/22
    Budgeting again in earnest,no excuses
    'Keep plodding,one day at a time'
    Savings: 911/2500chf
    • MrsShazbat
    • By MrsShazbat 10th Aug 18, 8:12 PM
    • 573 Posts
    • 2,821 Thanks
    MrsShazbat
    This week's purse clear-out has yielded £5.50 into the pot and £4 of shrapnel into the bottle
    * 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
    • helsbell
    • By helsbell 10th Aug 18, 8:36 PM
    • 203 Posts
    • 1,123 Thanks
    helsbell
    I just balanced the budget and discovered there was too much money in my purse

    Usually it's the opposite so I potted it quick before I could find the mistake
    SPC 11, No. 062 DFD November 2020
    Aug 2017 B'card £5006.83 BoS £1086.59 MBNA £0 Total: £6093.42
    Aug 2018 B'Card £995.06 BoS £863.43 MBNA £3,644.98 Total: £5503.47
    9.68% paid off
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 11th Aug 18, 1:48 PM
    • 815 Posts
    • 5,074 Thanks
    swimminginaseaofdebt
    Afternoon everyone,

    Little one found a coin at soft play today and very kindly popped into my pot
    Debt 1 - £182.93/£2538
    SPC11 #564
    • babs 103
    • By babs 103 11th Aug 18, 2:27 PM
    • 83 Posts
    • 710 Thanks
    babs 103
    That's is swimminginaseaofdebt's teach em while their young!!
    Quot Libros, Quam Breve Tempus

    SPC #11 025
    • mummytummy
    • By mummytummy 13th Aug 18, 1:38 AM
    • 735 Posts
    • 3,665 Thanks
    mummytummy
    Welcome marmiterulesok our leader SueUU will be along soon and allocate you your number for life, now you're in there's no escaping - believe me I've tried, but I keep coming back year after year even though I don't post much at the moment I still lurk in the shadows

    Have fun potting, you'll be amazed at how much you'll squirrel away between now and opening time (pot that is, not pub)
    1. Sealed Pot Challenge No.11 #11 £538.74
    2. MFiT-T4 #62 (87% saved)
    3. Save 12k in 2018 #144 £3165/£3000
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 13th Aug 18, 7:21 PM
    • 815 Posts
    • 5,074 Thanks
    swimminginaseaofdebt
    Evening everyone,

    Me again.....sorry.....just popping in to declare that a crispy note has been added to my pot after another sale of the little ones too small clothes.
    Debt 1 - £182.93/£2538
    SPC11 #564
    • siju
    • By siju 14th Aug 18, 12:28 PM
    • 289 Posts
    • 3,033 Thanks
    siju
    Hello Potters

    Sorry, I've been missing recently - life's been very busy recently and although I often read the posts, I don't always have time to add my thoughts.............not that they are that interesting anyway

    Just cleared my purse and found £2.03 which I will pot tonight. Have a lovely week fellow Potters
    SPC 11 - #192
    Totals: 2014 - £264.51 2015 - £207.50 2016 - £396.79 2017 - £369.49
    • e4rub
    • By e4rub 14th Aug 18, 10:36 PM
    • 702 Posts
    • 6,045 Thanks
    e4rub
    Evening potters!
    Just logged on for the first time in ages and had a lovely message to say I have received my 7 year anniversary badge It made me think back to when life was unbearable and I didnít have a pot to pee in, lol. It was such a long and hard journey to get to where I am today, but the struggle was definitely worth it. Had I not hit rock bottom then, undoubtedly, I would still have an obscene amount of debt.

    Anyway, just popped on to say hi and to let you all know, especially you Sue!, that I am still potting away.
    Iíve been a bit of a busy bee recently and took the brave (or stupid!) decision to embark on a distance learning course. I recently had my first of 5 exams and am happy to say that I scored, a very respectable, 93%......yippee! Not bad for someone on the wrong side of 40, lol.
    Money banked from my full pots currently stands at............£385. Iíve updated my siggy Sue!

    Hope you are all well and Iíll try to pop back soon.

    Emily xx
    SPC #209 £455 banked so far 2018Debt Free Date 1st August 2016 Christmas 2018 £1000 saved...so far
    • Incywincy21
    • By Incywincy21 14th Aug 18, 11:36 PM
    • 56 Posts
    • 183 Thanks
    Incywincy21
    Long time, no speak everyone!
    Life has been stupidly/crazily busy!

    However, in amongst all this, I have still (slowly, but surely) been contributing to my 4 sealed tin's (notes -very rare/£2 coins/£1 coins/small change).
    Alongside this I have also joined Cleo/Plum which are both also going well. It's great to have something weighing up what I can afford to save all the time - then automatically putting it aside for me... even if I wouldn't look and feel I could afford it, it shows you can.

    E4rub, thanks for that thought. It's great to know that someone has turned things around from such an exteme and now are living much more comfortably/without the enormous debt... it's inspirational and makes you feel there is a light at the end of the tunnel - so thank you!

    Hooe you're all well and still potting! Sadly, can't update signiture with amount as I have no idea what I'm up to - I'm looking forward to the surprise at the end
    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
    • Westie983
    • By Westie983 15th Aug 18, 7:45 PM
    • 4,569 Posts
    • 15,090 Thanks
    Westie983
    Evening potters!
    Just logged on for the first time in ages and had a lovely message to say I have received my 7 year anniversary badge It made me think back to when life was unbearable and I didnít have a pot to pee in, lol. It was such a long and hard journey to get to where I am today, but the struggle was definitely worth it. Had I not hit rock bottom then, undoubtedly, I would still have an obscene amount of debt.

    Anyway, just popped on to say hi and to let you all know, especially you Sue!, that I am still potting away.
    Iíve been a bit of a busy bee recently and took the brave (or stupid!) decision to embark on a distance learning course. I recently had my first of 5 exams and am happy to say that I scored, a very respectable, 93%......yippee! Not bad for someone on the wrong side of 40, lol.
    Money banked from my full pots currently stands at............£385. Iíve updated my siggy Sue!

    Hope you are all well and Iíll try to pop back soon.

    Emily xx
    Originally posted by e4rub
    Congratulations Emily,

    Keep the potting going, oh and acing those exams :-)

    Westie983
    Save 12k in 2018 #10 Total (£25000)+£15300/£12000 = 127.50%
    Sealed Pot Challenge ~ 11 #97 Total (£410) + £40/£500 = 8.00% ( x 11)
    Xmas 2018 £1 a Day #2 Total £93.07/£365 = 25.49%
    Virtual Sealed Pot #1 Total £1200/£1000 = 120.00%
    £2 Savers Club 2018 #16 Total (£1500)+-470/£2000 = 51.50%

    Total £17,663.07/£15865 = 111.33%

    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
    • Chutney86
    • By Chutney86 15th Aug 18, 8:37 PM
    • 290 Posts
    • 2,683 Thanks
    Chutney86
    £4 potted for me today
    SPC #23 - 2015 = £319.60 / 2016 = £315.50 / 2017 = £490.75
    MFW #93 - 2017 = £1942.84/£1900 / 2018 = £8505.38/£9050
    MFiT-T4 #28
    • e4rub
    • By e4rub 15th Aug 18, 10:00 PM
    • 702 Posts
    • 6,045 Thanks
    e4rub
    Congratulations Emily,

    Keep the potting going, oh and acing those exams :-)

    Westie983
    Originally posted by Westie983

    Thanks Westie xx
    SPC #209 £455 banked so far 2018Debt Free Date 1st August 2016 Christmas 2018 £1000 saved...so far
    • siju
    • By siju 16th Aug 18, 12:49 PM
    • 289 Posts
    • 3,033 Thanks
    siju
    Well done Emily, an excellent result!

    Flying visit - £5 in the pot...........
    SPC 11 - #192
    Totals: 2014 - £264.51 2015 - £207.50 2016 - £396.79 2017 - £369.49
    • dustydigger
    • By dustydigger 17th Aug 18, 11:48 AM
    • 632 Posts
    • 2,084 Thanks
    dustydigger
    After a month long drought I got 4 £2 coins in 2 days.making £144 in all!
    The purse though is looking very sparse,Sunday's fortnightly emptying is going to be pitiful indeed,about 70p! I will have to use the debit card for a top-up shop at Asd@ today as Mr Dusty took the final tenner out of the cash HBB (home budget box) to buy salmon in town. That costs £8 (if it hasnt gone up again,which it has several times in the last year) so we might reach the £2 level on Sunday It was a pretty tough fortnight though,gas and electric £91,broadband £32, water rates £36,all came together.Ouch.
    Oh well,fingers crossed next fortnight will be easier!

    SPC 2018 # 012 -
    £2 Savers 2018 #19 £172 Tesc* Xmas Savers £59.56
    Icel@nd bonus card £14 House & Home Fund 2018 - £322 (plus £174 from 2017 = £496)
    weight loss : 0/7lb AF Mar-Sep 208 days+ Oct 13/24 Books read Oct 3/12 Prolific £11.25

    • MrsShazbat
    • By MrsShazbat 17th Aug 18, 8:36 PM
    • 573 Posts
    • 2,821 Thanks
    MrsShazbat
    Potted a total of £9.50 in this week's purse clear-out, including 3 x £2s I didn't realise I had in there. Also chucked a handful of shrapnel in the bottle.

    Also my Quidco total for this year is up to £173.59, with £86.09 still to track.
    Last edited by MrsShazbat; 19-08-2018 at 6:48 PM.
    * 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
    • jakes-mum
    • By jakes-mum 20th Aug 18, 3:40 PM
    • 4,435 Posts
    • 43,008 Thanks
    jakes-mum
    Afternoon potters! It's been nearly 3 weeks since I last popped my head round the door been very busy helping a friend with her Etsy shop, playing with the embroidery machine and dealing with the bratlings being off school . . 2 weeks to go

    DH has been changing up with me regularly so the pots are getting fed, just don't think they are going to be as healthy as previous years with all the problems with my PIP BUT anything is better than nowt.

    Think everyones gone on their hols or something ever so quiet in here! Maybe this will bring people back . . . .

    10 1/2 weeks till opening day!!!!!

    Get those pennies in those pots
    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
    • siju
    • By siju 21st Aug 18, 12:49 PM
    • 289 Posts
    • 3,033 Thanks
    siju
    Goodness me jakes-mum, that's made me shake my tail feathers!!!! Some serious potting needed now. Unfortunately, I haven't got anything to pot today
    SPC 11 - #192
    Totals: 2014 - £264.51 2015 - £207.50 2016 - £396.79 2017 - £369.49
    • dustydigger
    • By dustydigger 21st Aug 18, 4:11 PM
    • 632 Posts
    • 2,084 Thanks
    dustydigger
    Ouch,I had a mere 10p left in my purse on Sunday,good job Mr Dusty had some coins on the windowsill,which made a grand total of £2.15 to be potted. But £30 went off to the credit union on Wednesday,and I have several £2 coins,so the savings still goes on.

    SPC 2018 # 012 -
    £2 Savers 2018 #19 £172 Tesc* Xmas Savers £59.56
    Icel@nd bonus card £14 House & Home Fund 2018 - £322 (plus £174 from 2017 = £496)
    weight loss : 0/7lb AF Mar-Sep 208 days+ Oct 13/24 Books read Oct 3/12 Prolific £11.25

    • siju
    • By siju 23rd Aug 18, 12:49 PM
    • 289 Posts
    • 3,033 Thanks
    siju
    Finally got some change!!! £4.00 in the pot woo hoo
    SPC 11 - #192
    Totals: 2014 - £264.51 2015 - £207.50 2016 - £396.79 2017 - £369.49
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