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  • FIRST POST
    • Sue-UU
    • By Sue-UU 1st Nov 18, 11:06 PM
    • 8,801Posts
    • 49,323Thanks
    Sue-UU
    Sealed Pot Challenge ~ 12
    • #1
    • 1st Nov 18, 11:06 PM
    Sealed Pot Challenge ~ 12 1st Nov 18 at 11:06 PM
    Hello once again Potters and welcome aboard to all new members! I never thought we would have been running THIS long, but here we are starting off with "SPC "No 12"!!! The years have flown past since SPC's birth! We've had 11 fantastic money-saving years, all purely because of the determination in saving of you all - many thanks to you splendid 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, if you haven't already done so, please be sure to Join the MSE forum first in order to be able to join the challenge. For ALL SPC members, please chat away on this SPC 12 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 and gives even more ideas of how to save.

    For all newcomers - a really huge heartfelt welcome! We're a great 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 (2019) will be to open our pots on Thursday the 31st October 2019. 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 it.

    Firstly: Get yourself a pot, and remember - it doesn't need to cost much - if anything! Do please do your best to avoid plastic of any sort, thank you. With the emphasis being on saving money, your pot doesn't need to cost anything I.e a used 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. Perhaps 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!

    It can also be interesting and challenging to make yourself a Papier Mach!! Pig (or any animal or object) 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. After it's finished, seal as the instructions in the *paragraph above

    After selecting your pot, seal round the lid with sellotape. 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 11 years...and at the end of each year's 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, better still, turn them upside down and get the cash out as advised above with Terramundi.


    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 which is inherited can not be included as savings. Likewise any money put directly into the bank cannot be counted as savings with SPC. Money from 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, Surveys 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. Also, the 1p challenge is to be declared. 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. However, doing a little job for Mrs Bloggs as described in paragraph 1/ can be included. 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's put in blue/pink ink 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, don't worry, at least you 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 to save, then work out how much you will need to 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 October!

    4/ Mainly SPC is a challenge to see how much we can save in a year for Christmas 2019. However, over the last 10 - 11 years we've had some members who have needed theirs at sometime throughout the year for bills, debts etc, 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 each of us receives 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 October 31st. 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.

    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 31st October 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!!

    8/ "Holding Pots": To anyone concerned about putting money into their pot - only to 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?": Most banks will accept them providing you have an account with them. 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 two weeks after closing date will 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 14th November please.

    Once again, we've just had an amazing 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 31st Oct is the closing date for 2019, 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.


    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.


    This Forum tip was included in MoneySavingExpert.com's weekly email!
    Last edited by MSE Tine; 27-11-2018 at 12:08 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 18 = £800.00 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!! 2018 = £47, 815.88!!!!

Page 62
    • lucyhope
    • By lucyhope 14th May 19, 8:22 AM
    • 412 Posts
    • 1,494 Thanks
    lucyhope
    Back to normal at last! Had a lovely surprise on Sunday -- I won £33.33 on the tote at our local pub, into my pot it went!
    Sealed Pot Challenge member 28
    2018 total £1520

    • MushyPeas
    • By MushyPeas 14th May 19, 11:56 AM
    • 3,076 Posts
    • 7,837 Thanks
    MushyPeas
    Apologies not been on for a long time, will look back and see what's been going on!

    I owe the pot £5 for two days of no breakfast club with school and have potted 5 p found on the floor
    Previous debt: £14K Debt free: Sept '03 MFW#42 Mortgage OP savings £4271.18/£12000 2019 Started dating OH Mar '12, married Oct '12, Walnut born Dec ' 12 SPC 12: 99 £38.05/£500 Make money Jan: £412.34/£310 Feb: £88.79/£280 May: £215.52/£310
    • Choccygirl123
    • By Choccygirl123 14th May 19, 3:22 PM
    • 629 Posts
    • 1,928 Thanks
    Choccygirl123
    Quick post and run, need to catch up properly when get a chance.

    £50 eBay sale on cabinet collected last week
    £22.39 on sales today need to wrap & post

    All cash withdrawn and sent to the sealed pot challenge and my bank total is £437.95. Have a stack of coins unknown amount. So chuffed with total so far as originally set my target at £500! Hoping to crack that in a couple of months!
    Always counting down to pay day, but making baby steps getting life on track! Looking forward to cracking the debt once and for all.
    SPC 090 - £69.45 / £500
    • datlex
    • By datlex 16th May 19, 6:48 PM
    • 2,040 Posts
    • 2,493 Thanks
    datlex
    Now up to £184.
    Sealed Pot Challenge no 37, Attempting Frugal Living. Became debt free at the end ot 2016. Used savings from becoming debt free to put a deposit on a bungalow last year now working on becoming Mortgage free by overpaying. (without overpayment MFW date is 2036)
    • Choccygirl123
    • By Choccygirl123 17th May 19, 9:45 AM
    • 629 Posts
    • 1,928 Thanks
    Choccygirl123
    Another £19.12 on eBay sales and £12 on FB

    Coins total ???
    Bank account - £469.07
    Always counting down to pay day, but making baby steps getting life on track! Looking forward to cracking the debt once and for all.
    SPC 090 - £69.45 / £500
    • Purplemumof2
    • By Purplemumof2 17th May 19, 12:18 PM
    • 7,128 Posts
    • 27,456 Thanks
    Purplemumof2
    Afternoon,

    Hope all is well?

    1 x £2 coin, 5 x 20p's and various other bits of silver have been potted today.

    Have a great day xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £4750.00 Lloyds: £9000.00 BC: £800.00 Cap One: GONE
    May LTW 14/21 ~ May NSD 3/5
    PAYDBX 2019 #041 PD £2567.41/£5604.30
    Savings for Christmas £250.40/£500 ~ EF £25/£500
    20p Savers 2019 £2 Savers 2019 50p Savers 2019 SPC 12 2019 #003
    • Treadingwater02
    • By Treadingwater02 17th May 19, 1:05 PM
    • 49 Posts
    • 264 Thanks
    Treadingwater02
    125

    Potted £25 this was received from a cashback site, it's gone in the pot which is the most I have put in one go.

    I'm not keeping a tally of how much I've potted so it will be a nice surprise when I open it!
    • Sue-UU
    • By Sue-UU 17th May 19, 4:53 PM
    • 8,801 Posts
    • 49,323 Thanks
    Sue-UU
    Hi Potters! Have a really lovely weekend!
    Hello again folks!!! Here's hoping you've had a super week!
    For all those members who are not well or who are low in spirits, take great care of yourselves. Get well soon and {{{{hugs}}}} from all the SPC family.

    You've clearly been paying visits to the right places, Dreamworlded, well done you!! Keep up the good work.

    Good for you in keeping your giant pig well fed, 32b3!!

    Back to normal at last! Had a lovely surprise on Sunday -- I won £33.33 on the tote at our local pub, into my pot it went!
    Originally posted by lucyhope
    Surprises are always wonderful to receive, Lucy, financial ones even better!! Another pot brilliantly fed!!!

    Not to worry, Mushypeas, so long as you've still been potting then all can be forgiven!

    WOW Choccygirl, you're doing incredibly well, fantastic!! Great work with the sales, you'll soon have that £500 saved!!

    WOW!! That's amazing work,
    datlex!!!

    You're doing a great job, PM02!!!

    Potted £25 this was received from a cashback site, it's gone in the pot which is the most I have put in one go.

    I'm not keeping a tally of how much I've potted so it will be a nice surprise when I open it!
    Originally posted by Treadingwater02
    Excellent work, Treadingwater!!!!
    A very wise decision in choosing to have a surprise sum in October!! Most of us save in exactly the same way.

    £15 has gone into my pot after shopping!!

    Enjoy a Super Weekend, SPCers, and....don't forget your pots!!!

    Sue

    NB folks: Opening date for SPC 12 will be 31st October 2019


    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 18 = £800.00 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!! 2018 = £47, 815.88!!!!

    • MrsShazbat
    • By MrsShazbat 18th May 19, 7:55 PM
    • 627 Posts
    • 2,992 Thanks
    MrsShazbat
    Hi all

    Still here, still potting. Actually had to part with 2 x £2s this week as they were all I had to hand when I needed them! But I still managed to pot £10 in remaining £2s. The weekly purse clear-out hasn't happened for a while and my overall savings have taken a hit with the car situation. I've got a new car now and hopefully drawn a line under it all, by finally putting my plates on it last week. There's a small outstanding claim but I'll believe that when I see it. Having been stung with the damage to my courtesy car which cost me the whole £150 excess, I'm not making any assumptions.

    We're due to go on holiday in a month's time. I can't really afford it but never mind.
    Xmas 2019 #21 £93 / £365 * (2017 £496.53; 2016 £424.32) * SPCNo.12 #66 (11 £480.95; 10 £682.31; 9 £442.64)
    • Choccygirl123
    • By Choccygirl123 19th May 19, 5:47 PM
    • 629 Posts
    • 1,928 Thanks
    Choccygirl123
    I'm so excited....number 090 checking in! I set my target at £500 towards Christmas for the teenagers. I've managed to sell their wooden garden play thing for £100 to one on my neighbours. Cash received, wooden fort gone and garden reclaimed!

    Total £469.07 + £100 cash to be banked = £569.07

    I've been slowly adding eBay bits and sorting car boot items. I can't not have a total do SUE could I add another total please. On a mission to hit £1000!
    Always counting down to pay day, but making baby steps getting life on track! Looking forward to cracking the debt once and for all.
    SPC 090 - £69.45 / £500
    • Hettyhound
    • By Hettyhound 19th May 19, 11:26 PM
    • 118 Posts
    • 887 Thanks
    Hettyhound
    Have only potted 21p! Found the 20p when changing my sonís bed and the 1p when searching for a dropped earring, which I did find eventually, Car been at garage for over a week and they still havenít started it (needs a new clutch), might get it done tomorrow (well today now) ďwith a following windĒ apparently. Iím going on the bus to work so all my change is going in fares and I havenít been to the shops for a week and a half. All in all no change to pot.

    Thoroughly fed up with it all and my new job is pants so Iíve just submitted an application for something else, just when I thought my evenings might finally be mine again. Ah well, onwards and upwards.
    SPC #120
    MFW #90 Mortgage start Dec 2015 £79,950; May 2019 £62,085.81; 2019 OP £624.87/£1500
    • Dreamworlded
    • By Dreamworlded 20th May 19, 8:27 AM
    • 19 Posts
    • 142 Thanks
    Dreamworlded
    Good morning everyone!


    A few more quids and coppers into the pot this weekend, spotted hubby putting in the notes from the monitor sale- good for him! He told me he left a few quid in as well.



    There was a 20p on the bus floor the other day, but I was too shy to pick it up in front of two big lads :'(
    SPC12 #055 - +£67.60 to final total (put a coin in the jar and spin the Martin )
    • siju
    • By siju 20th May 19, 11:53 AM
    • 333 Posts
    • 3,347 Thanks
    siju
    Hello Potters

    A Happy Monday to you all. Life is positively flying by at the moment, I can't believe it's another bank holiday next Monday!

    I don't feel I've managed to pot as much this year so far, so I must up my game. I'm potting £2.78 today and will hope to start potting more.

    Have a great week everyone
    SPC 12 - #09
    Totals: 2014 - £264.51 2015 - £207.50 2016 - £396.79 2017 - £369.49 2018 - £484.24
    • Sue-UU
    • By Sue-UU 21st May 19, 3:09 PM
    • 8,801 Posts
    • 49,323 Thanks
    Sue-UU
    Enjoy a peaceful evening all.
    Hello Potters!!! I hope you'll all have had a lovely weekend, and now enjoy the week! Ok, maybe not if you're working, but you can hopefully enjoy the evenings.
    For all those members who are not well or who are low in spirits, take great care of yourselves. Get well soon and {{{{hugs}}}} from all the SPC family.


    Hello again MrsShazbat. What's this no money saved...and giving away £2s?!!! All is forgiven from all the problems you've had recently. I hop everything's sorted now and you can look ahead to a lovely holiday.


    Many congratulations to you Choccygirl!!!! WOW you've done incredibly well, excellent work! Rightyho, your new Target update is £100, all the best in reaching it.


    Oh dear, Hettyhound, not exactly your time at the moment. I really hope the car is soon done, and that you can get yourself a new and enjoyable job. The one you have certainly sounds rubbish, but you never know what's around the corner. Look forward to a better future. Nearly forgot, well done to your DS for leaving you a tip.


    There was a 20p on the bus floor the other day, but I was too shy to pick it up in front of two big lads :'(
    Originally posted by Dreamworlded
    You let 20p go by because of some lads, Dreamworlded?!!!! You'll clearly need to grow a thicker skin if you're to succeed, teach them how it's done too!

    Excellent news on the monitor money!! Well done your DH too, a really good double act to go along with you!


    Hi again siju! I hope you had a really lovely weekend when you went away. My oh my, isn't this next BH weekend sneaking up on us with pace! If you don't feel you've done so well so far then pick up speed and pot like the clappers!!! Well done with what you have potted!

    Enjoy a lovely Wednesday, SPCers, and....keep potting!!!

    Sue

    NB folks: Opening date for SPC 12 will be 31st October 2019


    Anyone wishing to join us, it's NEVER too late, so please just ask, you'll be made very welcome!
    Last edited by Sue-UU; Today at 3:28 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 18 = £800.00 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!! 2018 = £47, 815.88!!!!

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