52 week savings challenge (Week 23: 17 JAN 14) Got a head a week. Posted 5 weeks (Catching up from H

mrpaseo

The 52 week challenge is when you save a set amount each week of an entire year. For example, on the dollar challenge, you would save $1 on the first week, $2 on the second week, $3 on the third week all the way up to week 52 where you would save $52.

I will be doing this challenge using six different coins (Cent, Nickle, Dime, Quarter, Half Dollar and Dollar) at the same time. So on the first week, I will save one each of the coin, on the second week, I will save two each of the coins and so on up to week 52 where I will save 52 of each of the coins.

To clarify, I will have 1,378 of each of those coins, so...

1,378 cents
1,378 nickles
1,378 dimes
1,378 Quarters
1,378 Half Dollars
1,378 Dollars

Ray

yosclimber

What size dollar? Sacagawea?

You can calculate the volume of an individual coin as a cylinder v = height*pi*radius^2 .
height and diameter should be in the redbook.
v*1378 gets you the minmum volume, but there will be wasted space in between....
Maximum volume would be vmax = h*diameter^2 = h*4*radius^2 , as if each coin was a square,
This is about 33% more than the minimum.

mrpaseo

<< <i>What size dollar? Sacagawea? >>



Yes, the majority will be the Sac or presidential dollars.

mrpaseo

<< <i>What size dollar? Sacagawea?

You can calculate the volume of an individual coin as a cylinder v = height*pi*radius^2 .
height and diameter should be in the redbook.
v*1378 gets you the minmum volume, but there will be wasted space in between....
Maximum volume would be vmax = h*diameter^2 = h*4*radius^2 , as if each coin was a square,
This is about 33% more than the minimum. >>



Can you break that down to High School graduation level?

yosclimber

Sure, the answer is going to be between 1378*h*r*r*pi and 1378*h(r*r*4 . Just take the average, about:
1378*h*r*r*3.55 . r = diameter/2 .

And;

Diameter 26.49 mm (1.043 in)
Thickness 2.00 mm (0.079 in)

from
http://en.wikipedia.org/wiki/Sacagawea_dollar

Similarly:
1c:
Diameter 19.05 mm (0.750 in)
Thickness 1.55 mm (0.061 in)

5c:
Diameter 21.21 mm (0.835 in) except Shield nickels (1866–1883) 20.5 mm (0.807 in)
Thickness Not specified for Shield nickels. All others: 1.95 mm

10c:
Diameter 17.91 mm (0.705 in)
Thickness 1.35 mm (0.053 in)

25c:
Diameter 24.26 mm (0.955 in)
Thickness 1.75 mm (0.069 in)

50c:
Diameter 30.61 mm (1.205 in)
Thickness 2.15 mm (0.085 in)

brg5658

That's an interesting way of saving $2631.98.

mrpaseo

So the presidential dollar

United States
Value 1.00 U.S. dollar
Mass 8.100 g (0.260 troy oz)
Diameter 26.5 mm (1.043 in)
Thickness 2.00 mm (0.079 in)
Edge Plain with incised inscriptions
Composition Copper with manganese brass clad (copper 88.5%, zinc 6%, manganese 3.5%, nickel 2%)

Just take the average, about: 1378*h*r*r*3.55 . r = diameter/2 . (.5215)

1378*.079*.5215*.5215*3.55 = 105.10 (Is that cubic inches since I used the inches?)

mrpaseo

<< <i>That's an interesting way of saving $2631.98. >>

Here is my initial write up.

I intend to run six 52 week challenges at the same time.

The first: .01 cent
The second: .05 cents
The third: .10 cents
The forth: .25 cents
The fifth: .50 cents
The sixth: 1.00

Each week I will find the coins needed for each and will add them to the jar. I intend to find glass jars that can withstand the weight and being moved around.

I intend to do this in order rather than the Yahtzee way but will keep my options open.

I will keep this first post up to date but will put additional posts (Hopefully containing photos) below.

STEPS:
1. Locate glass jars.
2. Chose start date.
3. Locate correct coins.
4. Contribute.

__________________________________________________ ___________________________________________
The first: .01 cent
Current balance: $0.00

__________________________________________________ ___________________________________________
The second: .05 cents
Current balance: $0.00

__________________________________________________ ___________________________________________
The third: .10 cents
Current balance: $0.00

__________________________________________________ ___________________________________________
The forth: .25 cents
Current balance: $0.00

__________________________________________________ ___________________________________________
The fifth: .50 cents
Current balance: $0.00

__________________________________________________ ___________________________________________
The sixth: 1.00
Current balance: $0.00


__________________________________________________ ___________________________________________
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mrpaseo mrpaseo is online now
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Some facts

_________________________________________________ ___________________________________________
The first: .01 cent
End balance will be: $13.78

I will be saving the 95% copper cents for this task. They are ranging in dates from 1909 - 1982, however, I will not include any wheat cents nor any 1982 because the wheat hold a small numismatic premium and the 1982 was the transition year where they went to a zink based cent. The copper cents are worth a little more so I will be saving them for this event.

There are 8.9757 pounds of copper and 0.4724 pounds of zinc in $13.78 face value of copper cent(s). For a total weight of 9.4481 pounds.


__________________________________________________ ___________________________________________
The second: .05 cents
Ending balance will be: $68.90

The Jefferson Nickel is dated 1946 - 2013. The metal composition is the same in all dates.

There are 11.3924 pounds of copper and 3.7975 pounds of nickel in $68.90 face value of nickel(s). For a total of 15.899 pounds.

__________________________________________________ ___________________________________________
The third: .10 cents
The ending balance will be: $137.80

The Roosevelt dime is dated 1965 - 2013. The metal composition is the same in all dates.

There are 6.3162 pounds of copper and 0.5739 pounds of nickel in $137.80 face value of dime(s). For a total of 6.8901 pounds.

__________________________________________________ ___________________________________________
The forth: .25 cents
The ending balance will be: $344.50

1965-2013 Washington Quarter all with the same metal composition.

There are 15.7904 pounds of copper and 1.4349 pounds of nickel in $344.50 face value of quarter(s). A total of 17.2253 pounds.

__________________________________________________ ___________________________________________
The fifth: .50 cents
The ending balance will be: $689.00

1971-2013 Kennedy Half Dollar all with the same metal composition.

There are 31.5808 pounds of copper and 2.8697 pounds of nickel in $689 face value of half dollar(s). This totals 34.4505 pounds.


__________________________________________________ ___________________________________________
The sixth: 1.00
The ending balance will be: $1378.00

This one is complicated because I intend to mix it up. The majority will be Presidential Dollars though so I will put the info for them here and will track the type in the first thread.

2007-2013 Presidential Golden Dollar, all with the same metal composition (As well as the Sacagawea dollars).

There are 21.7777 pounds of copper, 0.4922 pounds of nickel, 1.4765 pounds of zinc, and 0.000390663 tonnes of manganese (I will not count the mangasese) in $1378 face value of Presidential dollar(s). For a total weight of: 23.7464 pounds.


__________________________________________________ __________________________________________________ _____________
End total worth: $2,631.98
End total weight: 107.6594 pounds.

lkeigwin

Too many variables. Even the shape of the container matters. Round, square, squat, tall, tapered like a bucket, etc.

Logically, the halves would occupy the most space. But do you really think you can acquire that many? Maybe you intend to get rolls from a bank.

I'm guessing you aren't trying to save the same number of each denomination each week. After all, week #1 would start at $1.91, not $1.00. And each new week would be a multiple. So how are you going to keep track of the number of coins in each bucket? Manually, every week, with a note-to-self?

If you're not filling them with the same number then they will top out (at 1378 coins) at different times. And as you approach the end of the year you will find you cannot come up with the exact change. If that matters.

Or maybe I don't understand at all.
Lance.

edited to say: I posted this before the above message. So maybe the above doesn't apply.

guitarwes

If you want to keep all the jars uniform in size, you're gonna need about at least a half gallon jar to hold that many Halves, which will take up the most volume. If you want all of the jars to be full at the end of the experiment, you're gonna have to get different size jars for every denomination.

brg5658

<< <i>Too many variables. Even the shape of the container matters. Round, square, squat, tall, tapered like a bucket, etc.

Logically, the halves would occupy the most space. But do you really think you can acquire that many? Maybe you intend to get rolls from a bank.

I'm guessing you aren't trying to save the same number of each denomination each week. After all, week #1 would start at $1.91, not $1.00. And each new week would be a multiple. So how are you going to keep track of the number of coins in each bucket? Manually, every week, with a note-to-self?

If you're not filling them with the same number then they will top out (at 1378 coins) at different times. And as you approach the end of the year you will find you cannot come up with the exact change. If that matters.

Or maybe I don't understand at all.
Lance. >>



I think I don't understand either. I just thought it was the following:


Week 1: One cent, one nickel, one dime, one quarter, one half, one dollar.

Week 2: Two cents, two nickels, two dimes, two quarters, two halves, two dollars.
...
...
Week 52: 52 cents, 52 nickels, 52 dimes, 52 quarters, 52 halves, 52 dollars.

MsMorrisine

The min volume is a cylinder where all the coins are stacked into 1 column.

After that you get into boxes. At this point you may as well treat them as squares with a side of the diameter. And the more columns in the box, the more volume it will take.


And after that you have to realize they will be turned every which way and that box idea is still just an estimation.


Hmmm, $1000 in half dollars fits quite nicely in those plastic grocery store bags. I'm guessing in the neighborhood of a basketball or less. You can always go bigger just in case.

Unknown

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yosclimber

<< <i>So the presidential dollar

Diameter 26.5 mm (1.043 in)
Thickness 2.00 mm (0.079 in)

Just take the average, about: 1378*h*r*r*3.55 . r = diameter/2 . (.5215)

1378*.079*.5215*.5215*3.55 = 105.10 (Is that cubic inches since I used the inches?) >>



Yes, you got it.

mrpaseo

<< <i>Too many variables. Even the shape of the container matters. Round, square, squat, tall, tapered like a bucket, etc.

Logically, the halves would occupy the most space. But do you really think you can acquire that many? Maybe you intend to get rolls from a bank.

I'm guessing you aren't trying to save the same number of each denomination each week. After all, week #1 would start at $1.91, not $1.00. And each new week would be a multiple. So how are you going to keep track of the number of coins in each bucket? Manually, every week, with a note-to-self?

If you're not filling them with the same number then they will top out (at 1378 coins) at different times. And as you approach the end of the year you will find you cannot come up with the exact change. If that matters.

Or maybe I don't understand at all.
Lance.

edited to say: I posted this before the above message. So maybe the above doesn't apply. >>



Thanks, I am just trying to find a round about size. I may have to end up with a smaller one and maybe roll some of the coins as the jars become full. I am going to go find some containers this weekend.

I will have to get rolls from the bank because the Halves and Dollars are not found in commerce.

As for tracking, there are two ways to do this.

The first way is to stat on week 1, then go to week 2, then week three and so on. The other they call "Yahtzee" saving where you pick a week and save what you can. For example, if on the first week, you can afford the week 52 savings ($52 dollars), you save the 52 dollars and mark off the chart.

Here is the chart that I will be using.

mrpaseo

<< <i>If you want to keep all the jars uniform in size, you're gonna need about at least a half gallon jar to hold that many Halves, which will take up the most volume. If you want all of the jars to be full at the end of the experiment, you're gonna have to get different size jars for every denomination. >>



Exactly what I was looking for, I want equal size jars so six gallon or smaller size will do then. (Gallon size is pretty easy to locate). I will shoot for smaller (Closer to half gallon) for effect when they are full.

mrpaseo

<< <i>I think I don't understand either. I just thought it was the following:


Week 1: One cent, one nickel, one dime, one quarter, one half, one dollar.

Week 2: Two cents, two nickels, two dimes, two quarters, two halves, two dollars.
...
...
Week 52: 52 cents, 52 nickels, 52 dimes, 52 quarters, 52 halves, 52 dollars. >>



That is exactly it.

mrpaseo

I am currently planning on going in order, however, I may get to a point where I jump around. The two variables that will hold me back are:

1) Amount to save that week.

2) If I have correct change to save that week.

For example, if I do it in order, in the last month, I will save almost $400... Unless I come up with an alternate means to earn this, I do not have that much "Extra" in my budget. That said, if I jump around, I can save what I can afford that week and what change I have available.

Another option is to put say, $20 per week to this project. In the first week I will only put $1.91 into the containers and $18.09 into a reserve container. Then, week after week, I can take the reserve $$ and exchange at the bank to ensure I have the correct change on hand each week.

My goal is to stay in order and save up the $$ to meet each week.

This is basically a challenge to save some money (In addition to my normal savings that is), usually this money would just be spent on stuff (Money is coming out of my spending money or money that I can earn through alternate means than normal). This will also give me something to do besides looking at the market and Precious Metals market which can drive you crazy if you look at it as much as I do.

Just another adventure/challenge.

Anyone want to join me?

MsMorrisine

<< <i>I work with large amounts of change all the time. You shouldn't need more than a 3 gallon container for that amount. It will be quite heavy though.

If you want to use Ikes, let me know, I can get you $1400 for face plus shipping. >>




I am going to wholeheartedly agree on the weight of 1378 half dollars. That's about 35 pounds just in coins.




And fadetoblack: not going to install a Ike floor in the bathroom?

mrpaseo

Truth be it told, I already have some change on hand so I am good for a few weeks.

I can get SBAs from the post office for face value and halves/presidential dollars from the bank. Everything else can be found in change (To include copper cents).

Additional challenges:
I would like to have Ikes, SBAs, Sac's and Presidential in the mix so that will be fun trying to find them.

All copper cents.

Anything else I should try?

mrpaseo

<< <i>I am going to wholeheartedly agree on the weight of 1378 half dollars. That's about 35 pounds just in coins. >>



The total weight for this project will be End total weight: 107.6594 pounds in coins alone.

That includes copper cents and presidential/Sac dollars, not Ikes and SBA so there will be a little difference.

Unknown

This content has been removed.

MsMorrisine

It would be a highly difficult task to find 1378 90% AND 40% combined, let alone each.

You might try 1378 zincolns and be sure to rid yourself of them.

It would take a while but 1378 pre-1964 nickels can be done slowly.

Eventually you'll accumulate 1378 foreign coins, too.

LindeDad

I have one of those five gallon water jugs and haven't even thought about filling it.

mrpaseo

<< <i>I have one of those five gallon water jugs and haven't even thought about filling it. >>



I would love to fill one of those The local BoA knows me by the rolls that I bring in once a year. The first time I brought them in they wanted to know where I got them... I told them I saved them up over the year. Never had a problem since. They also give free wrappers so I can roll the coins before I bring them in.

lkeigwin

If you really want to complete this task go from hard to easy. Start with week 52 and work backwards.

It'll get easier each week and if the tough beginning kills the project think of all the time and effort you saved.
Lance.

lkeigwin

The quick math for adding all this up is to recognize that week #1 + week #52 = week #2 + week #51 = week #3 + week #50, etc.

There are 26 pairs and each adds up to $101.23.
26 x $101.23 = $2631.98
Lance.

mrpaseo

<< <i>The quick math for adding all this up is to recognize that week #1 + week #52 = week #2 + week #51 = week #3 + week #50, etc.

There are 26 pairs and each adds up to $101.23.
26 x $101.23 = $2631.98
Lance. >>



Interesting, so this will cost me just about $50.615 per week averaged. Sounds like a challenge.

brg5658

<< <i>The quick math for adding all this up is to recognize that week #1 + week #52 = week #2 + week #51 = week #3 + week #50, etc.

There are 26 pairs and each adds up to $101.23.
26 x $101.23 = $2631.98
Lance. >>



I already did that math in like the 6th post. Apparently I did understand what he was doing then.

keyman64

Interesting. I have an antique 5 Gallon Glass Water Jar that people used to get delivered to their homes back in the day. Every time I get change, it goes in the jar. I use my debit card a lot so it does not fill up very fast at all but once it is full it should be over a thousand dollars...I hope. It might take a couple of years, not sure. I just started it. Good luck with your project.

When I was a kid, I had neighbors that did this every year and they used the money for their summer family vacations.

lkeigwin

<< <i>

<< <i>The quick math for adding all this up is to recognize that week #1 + week #52 = week #2 + week #51 = week #3 + week #50, etc.

There are 26 pairs and each adds up to $101.23.
26 x $101.23 = $2631.98
Lance. >>



I already did that math in like the 6th post. Apparently I did understand what he was doing then. >>

Yes you did. And you were correct. I was just pointing out a simple method for adding up sequential pairs.
Lance.

MidLifeCrisis

There is an incredible amount of OCD involved here.

bigjpst

You could also ask your bank for the clear plastic bags they use for merchant deposits. They are heavy duty, and have handles in case you need to move them around once they start getting full. Plus, you could probably just seal them up at the end and deposit them depending on your bank. I used to take my $500 half dollar dumps to my bank in them after searching rolls.

knoxy4

I have nothing to add to the conversation here but only to say that Midlifecrisis made me literally laugh out loud. But its always nice to find fun ways to save money.

LochNESS

If you're really trying to save money for bills or vacay, you should consider raising the stakes. $2600 and change (pardon the expression) will barely cover two average mortgage payments.

Midlifecrisis is right you know. It's a lot easier to just throw everything into a jar. At the end of the year, pay a YN to sort and roll it. You'll save yourself a ton of hours and will probably have more fun overall. Unless you enjoy the sorting and rolling.

mrpaseo

<< <i>There is an incredible amount of OCD involved here. >>




Ummmm, what's OCD?

Here is my updated and final (For now) tracker.

mrpaseo

<< <i>If you're really trying to save money for bills or vacay, you should consider raising the stakes. $2600 and change (pardon the expression) will barely cover two average mortgage payments.

Midlifecrisis is right you know. It's a lot easier to just throw everything into a jar. At the end of the year, pay a YN to sort and roll it. You'll save yourself a ton of hours and will probably have more fun overall. Unless you enjoy the sorting and rolling. >>




We will be saving this money for our 20th Anniversary Vacation (Currently planning Las Vegas) in 2015. We will complete this in AUG of 2014 so I will have time to go through it again

We do not have mortgage/rent payments.

After my wife saw your post this morning she asked about a water jug that we used to have. A few years back we gave it to our daughter for her change... We checked her room and she is not using it We found that she is using a different container... woohooo (She's saving and the container is available). Plans changed, we will be using this container (Will save me a lot of money too as well as not worrying about the glass breaking and space saved).

I do enjoy sorting and rolling so I will most likely do the work myself. Thanks for the ideas... The event begins today. Woohoo!

3 Gallon jug, it will be fun to watch this fill up.

RGJohn

I love the concept BUT.............
Please use plastic or metal containers.
My neighbors have been saving change for a projected vacation. In moving the glass container, it broke. Fortunately nobody was too badly lacerated but there was LOTS of blood. They switched to metal pails and the money seems to grow equally well with no need for set-asides for medical co-pays.

mrpaseo

Thanks, the plastic jug you see is a three gallon jug. Should be enough to hold the coins and will amount to only about 107 lbs. This one also has a handle on it so I should be good. Thanks for the suggestion.

Ray

keets

the easiest way is just to use those water bottles like what you show above, they should be easy enough to find. neat project and even neater way to save some.

mrpaseo

Week 2: 23 AUG 13
Balance: $5.73

As you can see, I changed the tracker. This will probably happen over the weeks ahead. I added a Susan B. Anthony and a Presidential Dollar to the container this week. Other than that, business as usual. Thus far the weeks have been in order. We'll see if I keep that up.

mrpaseo

Okay, so I guess getting dollar coins at the post office is no longer an option... My local bank said they can not get me any either (Have I mentioned how much I hate BoA). Anyway, the search continues. I think I am goof for one more week, maybe I'll have to throw a few Morgans in there....lol. Just kidding.

joeykoins

MsMorrisine

If you can't find a bank would you consider the bulk $250 boxes from the mint that cost like $275.95 + $4.95 ??

OperationButter

<< <i>If you can't find a bank would you consider the bulk $250 boxes from the mint that cost like $275.95 + $4.95 ?? >>



You might as well put $1 bills in there before spending more $ to save $ imo

mrpaseo

<< <i>

<< <i>If you can't find a bank would you consider the bulk $250 boxes from the mint that cost like $275.95 + $4.95 ?? >>



You might as well put $1 bills in there before spending more $ to save $ imo >>



Oh I agree, I will find them for face or VERY close to face. I do have a source to get Eisenhower dollars pretty cheap (1.05 each). Worst case scenario I will go with 1300 of them.

mrpaseo

Week 3: 30 AUG 13
Balance: $11.46

I still have yet to find some dollar coins... I am going to have to venture out to some new banks this week to see if I can find a source. I added a SBA, Presidential dollar and an Eisenhower dollar for my three dollars this week.

Container:


Still looks empty but as the weeks go on I'm sure it will fill up fast.

Here is another look at the container:

mrpaseo

Week 4: 6 SEP 13
Balance: $19.05

When I did not find any dollar coins at my local bank, I went to my parents bank and found that not only did they have dollar coins, but they had new rolls and gave me four different presidents. They offered me to come back any time... the problem is, they are 250 miles away... Oh well, I'll have to find a local source, but for now, I am good.

I am happy to report, so far I have been able to get at least six people to join me on this challenge. Karen, Kristen, Marie, Chris, Ken and Matt(4).

They all seemed interested in the Yahtzee style and I explained about having a second envelope to carry over any extra money that they can add to the higher amounts in future weeks. I will continue to recruit others to join me. Matt opted to "Catch up" with me since I was only on week three and he will be using the money for the same vacation as me, so it seemed logical.

Container:


Here they are, four each added to the container.


Top view.

Soon the bottom will be covered... maybe a week or two.

mrpaseo

Week 5: 13 SEP 13
Balance: $28.60

Not much to report this week, pulled the change from my stock on hand.

I talked another person into doing this with me. We are up to eight all together. Karen, Kristen, Marie, Chris, Ken, Matt, Joyce (New this week) and me of course. They are all doing the dollar challenge though a few are on different weeks.

Container:


The front shot.


This weeks stack going into the container.


Looking into the container.

philographer

Frankly, I don't understand why you are putting effort into this.

Why don't you just open a savings account and automatically deposit $50 a week into it?

Seems like you would be better off using the time you would have devoted to this project to do something more productive...perhaps even earning an extra $50 a week...

mrpaseo

<< <i>Frankly, I don't understand why you are putting effort into this.

Why don't you just open a savings account and automatically deposit $50 a week into it?

Seems like you would be better off using the time you would have devoted to this project to do something more productive...perhaps even earning an extra $50 a week... >>



Ummmm.... Well, we already contribute to her 401k and we make monthly contributions to our ROTH IRAs, Emergency Fund and savings account.

This is in addition to that. Also, I am "unemployed" so I have a lot of time on my hands and need things to do and to engage my mind to keep me active. Being "Unemployed" I do not have an endless supply of extra money to put into my numismatic hobby sot his is a way to continue searching rolls and what not.

My wife and I are approaching our 20th anniversary (2015) and we want to take a trip to Las Vegas (I have never been and she went as a child so it was boring). This is a way to save a few thousand dollars and watch the $$ grow.

Saving it in change also keeps me from spending it. If I have it sitting in a bank account, I have easier access to it and I do not want to find another place for it on a whim. Also, I try to not keep much $$ in banks... Can't say I fully trust them. I have some in there to do my monthly budget and some in my (Our) emergency fund but I do not like to keep fiat currency or cash sitting in a bank for the banks to use.

By the time this is worth stealing, the jar should be a few hundred pounds... If I saved fiat currency it could be picked up and stuffed into a pocket...

Is that enough reasons?

Also, it's called a challenge... you know, something to do that is not easy. I managed to get others to do this as well (Though not like I am doing it), it's all in the name of saving... something many people do not do. I try to promote saving/investing in my family. As a matter of fact, my sister ran a Financial Peace University class. For every person in my family that attended, I paid for their kit (Basically $100). They received the check upon completion. They did not know they were getting the check until they finished the course.

To many people live pay check to pay check, to many people live in debt... I am trying to promote ways to get out/stay out of debt. Most of the people that have joined me in this challenge will be using the money as their emergency fund (Or to add to their emergency fund). This is a way that we can rely on one another, you know talk about it, think about how we are going to feel when we accomplish the challenge.

I suppose if you are well to do, then this seems foolish. I did not come from a well to do family and as many know, Soldiers do not make a lot so I have had to be frugal these past 20 years to ensure my family is not suffering like I did as a child.

I post on here to help with my commitment, I post on here because I am saving coins and this is a coin forum, I post on here because I have a few friends that might find this interesting.

I hope fills you in on my thought process, I don't expect you to agree with me, but you at least now have the ammunition to understand where I am coming from.

Best.