Join the Penny a Day saving challenge and get 5 Free SPI tokens - Everyone Welcome

Hello, and good day everybody, today we will mostly be talking about saving and showing you guys the power of compound saving. Today is the 2nd of January, what if i told you you could save £/$667.95 by the 1st of Jan next year without making any sacrifices to your budget. You'd think, how can i do that? Maybe your thinking there is some work involved are I'm just trying to trick you into buying SPI tokens. None of that going on and you are already aware by the thumbnail picture that this is a penny a day challenge.

I have personally done this for 2 years in the past and always end up with over £1000. It is a method of saving money and has been around for a very long time and works really well. With my 1st years savings, which came to £1300, i bought an oz of Gold and got the 2 kids a 1/2 sovereign each for their stacks. The second year, i saved £1050 and spent half on silver and blew the rest on clothes and stuff for the house. I am going to call the SPinvest version with the well thought challenge name of the........


How to save $ 667.95 in 365 days

This year is a leap year, so this challenge will end on the 1st of January 2021.

There is not much to it. Starting on day 1, you save 1p, on day 2, you save 2p, day 3, you save 3p and so on until you reach day 365 and you save $3.65. You can use the sheet below to track your progress. To print this sheet, right-click over the sheet, save image as (to somewhere you remember) and then print it out. Printing out the sheet is the hardest part of the challenge so don't be lazy.

By starting at 1 penny and compound saving by adding 1 penny to the last day's amount, we can see that it really adds up very quickly into hundreds of dollars. Letting your kids, grandkids are even your spouse get involved with yours can help to learn them about the power of compound saving. It might inspire them to try it for themselves. The penny a day challenge is set up to encourage savings while not getting in the way of your budget that much.

If you have no access to a printer, you can always make an easy spreadsheet to mark your progress but i would think most people will have access to a printer through a family member are a friend. Ticking off the sheet every day with a marker is much more satisfying compared with changing the colour of a cell on a spreadsheet is.


Have a Plan

If you are interested and something like this is right up your street, have a plan in place and by a plan, i mean to have something in mind that you can spend the money on. This is your motivation and your drive to follow through and keeping doing it every day. My 1st-year target was to get an oz of gold. I never had a full oz piece before and this was a really good target for me. For you, it could be to save toward a holiday, new car, to pay off a heavy CC bill after Christmas, invest into other things like metals, stock, funds.
So the plan is, have something in mind to do with the money when your finished.

Adding your own touch

A lot of people that take this challenge on will add a few extra rules in an effort to add a few extra pence every now and then. From example, some people start at $1.01 on day 1 and then $1.02 on day 2 and so on. This results in an extra $365 being saved. Others might just add in $1 a day for the first 100 days and then move to $2 a day for the next 100 days. Most people will just empty thier pocket change into the saving jar be it 20 cents are $2.67 and marked off that day.

My Way
I add in all pocket change from day 1 until day 140ish. From this time i start adding in £20 a week and marking 7 days off at a time. By around day 260 i move to £10 every 3 days and then i do the last 40ish days £10 every 2 days. I like to save notes as it makes the cash out less painful

I have 1 additional rule where i add an every £2 i get throughout the year

Last piece of Advice

Have a special saving jar to use and give it a name. I have a big Jagermeister tin i got with a 1ltr bottle and it's perfect for me. It has an inside cardboard shelve that i can slide notes into while using the main tin for coins. This flattens the notes out perfectly over the months they stay there. I call my tin Bert and he is hungry for my change.

Past results

This shot below is for my first complete penny challenge. You can see i started on in September 2016. It's a pity that we can not see how many £2's and plastic £5 notes i saved for the year. Point is look at my tin, Bert, he's epic. I seen people use those 1-time use tins were you have to open them like a tin of baked beans when you finished. I'd rather have one i can use year in and year out.
And here our the plastic £5's i saved through the year. These plastic £5 notes were released halfway through the year in the UK and i decided to collect all the new plastic notes i got for the rest of the year. I wish i remember how much is here.


Get FREE SPI tokens!!!!

To anyone that takes this challenge on, i will give 5 free SPI tokens to anyone that uploads a picture of their printed out "365 DAY SAVING MONEY CHALLENGE" sheet including there steemit username wrote at the bottom.

This offer will last until this post pay outs and is limited to the first 20 people that upload a picture into the comments below



Below are steemconnect hotlinks that allow investors to buy SPI tokens directly from @spinvest. Each token is currently priced at 1.00 STEEM and beside each link is the true STEEM cost to reduce confusion. You can also send any amount directly to @spinvest and i will issue you SPI tokens to 2 decimal places for the value of STEEM to send. All tokens bought directly will be sent to investors SE wallets within 24 hours but most likely much sooner.
5 SPI tokens - 5 STEEM
10 SPI tokens - 10 STEEM
25 SPI tokens - 25 STEEM
50 SPI tokens - 50 STEEM
100 SPI tokens - 100 STEEM
250 SPI tokens - 250 STEEM
500 SPI tokens - 500 STEEM
1000 SPI tokens - 1000 STEEM
2500 SPI tokens - 2500 STEEM




Important Information

| Information | URL Link |
| SteemPower Investments Introduction Post | Click HERE |
| SteemPower Investments Club Partnership Agreement | Click HERE |
| How to become a club member | Click HERE |
| How to convert SE tokens into SPI tokens | Click HERE |
| Join the SPI club Discord server | Click HERE |
| Join the SPI curation trail | Click HERE |
| What's best for the SPI Club? Centralized vs Decentralized | Click HERE |
| SPI tokens 95% buyback guarantee | Click HERE |
| SPI Club monthly Fiat to SPI token group buy | Click HERE |
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**All questions are welcome, please ask in the comments below**

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Comments 25

Fabulous idea - so satisfying!

02.01.2020 14:09

Let's hope a few people take it up cause I'm prob gonna do a monthly updating on mine for something to post about.

Offering up 5 free SPI should maybe help a few people on the fence :)

Thanks for the feedback

As for you beneficiary attempt, i will keep an eye out for that payment coming in next week on spinvest. For steempeak, my template works perfectly for the test account and i do not need to add it in each time because it is built into the template.

As the live video interview thing, what is that exactly? It sounds like a live feed to an event with a bunch of people watching me on a big screen while being interviewed. I am of course Mr SP Invest, lol but i don't have that much knowledge to share in honesty. Fill me in with a few more details please, like interview length time and would i required to talk for 2,5,10 minutes are something to introduce myself and SPinvest. Im not great at public speaking, i got nervus and light headed, lol.

02.01.2020 14:22

It's a great idea and I might do a gratuitous post of my own later :)
(I've also edited my comment to include my entry).

Beneficiary stuff - I'll have another look at that, I may not have saved the template properly. Thank you for looking out for the payment, I appreciate that 😊.

You're natural video performer, I really enjoy your videos, especially with the cup of coffee and smoke - it's like you're at my kitchen table, chatting to me about this and that. I'm imagining something very similar, not very long, maybe ten minutes (so we can use it again later), and it would be you and me talking, and the audience would be people just like you and me. You know plenty and you'll definitely know more than the audience (mind you, I can't stop thinking about that video where the guy asked you if you wanted some coke - it makes me laugh every time I think about it, not that we'll be going into that ... 😜). But there's lots of options: I could just give you a list of questions and you do a video with the answers, free-style, in advance. Saying that, I can't even get access to the internet there when I'm visiting, so I may be dreaming lol.

02.01.2020 14:50

Can you transfer my 5 spis to @phoenixwren please?

06.01.2020 11:17

yep, but you'll need to remind me.

07.01.2020 10:56

Aww, thank you so much! I just checked into Discord for the first time in a while and saw this. You're so generous. <3

07.01.2020 22:52

👍 It's free SPIs 😍 You could join the challenge in your own right and double your stake!

08.01.2020 01:15

I was thinking of it, but I don't have a printer to print the thing out. :) I was also thinking I might do this but with Steem! :D

08.01.2020 01:31

Excellent idea :) you could just write out a chart?

08.01.2020 02:15

Would that work for an entry? I might try that. I went ahead and put in a week's worth of Steem into savings. We'll see how it goes!

08.01.2020 02:22

Well, @spinvest is the final judge, but we want more people to be involved in saving SPIs and not everyone has access to a printer, so I don't see why not. You could get another 2 SPI by adding the same picture to the post I did for needleworkmonday: see, that's the beauty of SPI, it just keeps accumulating!

08.01.2020 08:37

Hey, just seeing this now. Comment back with a screenshot and i'll take that as entry. I just wonna make sure people are doing it to claim the 5 SPI's. That's why i asked for a printout picture but i can see from your convo with Shan that your good :)

This post will payout soon, dont worry about that. We could say i'll check back here in 24 hours from now when im at the computer and hopefully you'll have seen this and commented back.


09.01.2020 06:41

A screenshot of my doing it with Steem, I presume is what you're after? Today is the 9th, so that's 9 days of a penny of Steem that I am putting into my savings (aha! a use for that option! lol). Hopefully I can keep up with it for the whole year! :D

09.01.2020 20:55

I will give it a shot.

02.01.2020 15:28

Good man yourself, I'll get your SPI tokens sent over on post payout.

You'll have at least $670 this time next year and we'll have some fun along the way :) You gonna straight up rules are you gonna tweak them any to suit yourself?

02.01.2020 15:53

Very cool! I might try doubling a day each week and see how that goes.

02.01.2020 16:32

Count me in


02.01.2020 17:18

You didn't write your name. You're always pushing the fooking rules and my nerves.

I'll get your SPI's sent over when the post payouts bud.

What you gonna buy with your £670? I might get myself one of those fancy Oculus Quest's and see if VR porn is any good. I really wonna play VR poker on PokerStars, haha.

02.01.2020 23:27

I'm in Malta at the moment with no access to a printer. But, hopefully, I'll still be in time when I get home for the bonus! 😁

02.01.2020 17:45

Should be cool, i dont think there will be 20 people are even 10 take up the offer :)

Enjoy your trip

02.01.2020 23:28

May be fun.. lets try (just in EURos :)


05.01.2020 15:04

Happy day, your in.

Pounds, euros, dollars, whatever it's all the same shit. This time next year, you'll be at least 760 euro richer for little to no effort.

05.01.2020 16:23

Lets have fun... after 365 days when spending :)


07.01.2020 17:03

Excellent, you'll have fun

08.01.2020 10:21

Under the wire. This year's target is a 2 baht gold chain.

09.01.2020 06:36