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The New Top Easy Access Savings Discussion Area
This thread is for discussion of the Easy Access Savings Guide A previous version of this thread which ran from Nov 2007 to June 2024 can be found here: https://forums.moneysavingexpert.com/discussion/596724/the-top-easy-access-savings-discussion-area/p1
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The Save £12k in 2025 challenge
I give details below of the savings challenge I have been running this year and will continue to run next year with the help of @Suffolk_lass This is the new Challenge thread for savers in 2025. The aim is to get more people saving throughout the year and this thread gives a space for people to record their progress. The…
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The Savings & Investments Sticky
FCA Unauthorised Firms and Individuals List The Top Instant Access Savings Discussion Area How much can you save? Share Dealing Discussion Area Regular Savings Accounts: The Best Currently Available List! Top Child Trust Funds Article Discussion Area >
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Cahoot Savings
I was thinking of putting a lump sum into a Cahoot Savings Account. I was filling in the online form and was called away from the computer just as I saw they want to know monthly income and was timed out on my return. I don't have a problem about putting monthly income but I have never come across this before with any…
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Is A Financial Advisor My Best Option?
Hi All, I have recently bought a new home that is currently undergoing some repairs. I hope to move in at the end of September. I have not yet put my current home on the market, but a quick discussion with the estate agent has prompted the idea of renting it out. Due to having a second home, I have had to pay a tax of £14k…
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HL Active Savings
I'm looking to get peoples thoughts on the HL Active Savings account. I already have a SIPP with HL but have also got money sitting in my bank's savings account earning a very small amount of interest. I was considering putting £10k of that into an Active Savings account because of the ease of moving from one savings…
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The Top Regular Savers Discussion Thread
Welcome to this thread The main purposes of this thread are two-fold: * To provide a list of the top regular savers currently on offer * To provide a place for all forum users to discuss regular saver accounts and ask any questions about them that you may have This thread is intended to complement Martin Lewis' article…
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HMRC - Payments on account
HMRC state on their tax return "If your 2 payments on account turn out to be different from your 2025 to 2026 tax bill HMRC will: • credit you with interest if you've paid more than you needed to • charge interest if you've paid less than you needed to" I can understand the first bullet point if they've over charged me but…
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Index linked gilt tax question
For ilg are both the indexed linked element of the coupon and the index linked element of the gain both untaxed. So is a low coupon ilg roughly equivalent a normal gilt in regards to reducing overall tax on interest when compared to regular cash savings accts...?
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Halifax closes Savers Prize Draw
Advised by email received today that Halifax are closing their Savers Prize Draw. Not that I'll miss it as I haven't won a bean in it in the last ten years, and I haven't seen any reports from people who have.
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NS&I How long do transfers take nowadays?
NS&I have closed my Guaranteed Growth Bond, and I gave them instructions to transfer to my current account when it matured, that was just over a few week ago, does anyone know how long they take to transfer nowadays? I'm assuming it earns no interest whilst in limbo, something to consider when swapping back and forth…
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26 Years Old, Is my savings plan good?
Hi, I'm 26 and I'm currently studying with the ACCA to be an accountant. I've managed to save about £26,000 off my own back, my Grandad passed away in France early this year and then my dad a month later... so I guess I am to inherit €32,806.46 through my dad and I've also inherited £25,000 from him. I'm currently having…
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Top Easy Access acs Ranked: Top of The Pots - **No Chat**
I've had a few suggestions/requests to start a separate 'No Chat' thread, as the ToTP list gets drowned in 'chat' in the 'Top Easy Access discussion' thread. The aim is to maintain an easy-to-find ranked list of the c.Top 10, available to open & manage online, Easy Access accounts, with links. The purpose of this thread is…
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Buying and selling
I have been worried by Angela Raynor! I own 3 buy to let properties (having extended their leases but careful not to exceed the £40k annual threshold), and am currently selling my main property (not one of the 3) and buying another home to avoid the additional SD tax on this. So far so good I think, but just to complicate…
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Virgin money
Have got the virgin money current account with the linked savings account whereby you can create savings pots. Problem is, money keeps either moving in or our of the pots into not allocated. Anyone else have this problem, its frustrating & somewhat renders the account useless when I put money into a pot, then for some…
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CSH2: taxation and performance
I have feeling this could open issues such as excess reportable income which I don't (yet) understand, but are CSH2 gains taxed as interest or capital gain?
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Tax on savings
hi, im new here so apologies if this has been asked before. I have savings in an account with a building society. I am 64 years old and retired. I don’t get my pension for another two years. My question is - do I pay tax on the interest I earn on my savings.? Thank you.
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Virgin Money 10.38% regular monthly saver
Hi, just wanted to say that it took me just a few pain free minutes to easily open a brand new Virgin Money M Plus account so that I could subsequently open up and pay straight into its 10.38% regular saver account. It's a maximum of £250 per month and maturity date is 31st July 2025 so that was £162 for about 8 minutes…
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Bond ETF suggestions
The bulk of my ISA holdings is now in Vanguard VEVE and a few other equity funds/stocks. I'm looking to start building up a more defensive 20% in my portfolio to reduce volatility and looking for ideas of suitable ETFs to hold long-term, probably bond ETFs, but open to other suggestions too, e.g. gold
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Tax Due On Savings Interest.
I’m confused about tax due on savings interest received in 2024/2025. I was registered for Self Assessment and submitted a tax return for 2023/2024. My circumstances changed for 2024/2025 and I informed HMRC recently that I didn’t need to submit a tax return for the last tax year 2024/2025. However, I informed them that I…
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Stockbrokers for Investment Clubs Sep’25
I’m a member of a longstanding Investment Club. Our Broker, ii, has just given us 2 months notice that they are ceasing service for Investment Clubs. Can anyone suggest an alternative Broker please?
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Financial Investor and Loan Provider on Facebook
my colleague was deeply involved with this on facebook and hoping to get a loan, he was will to fly to meet them. I am not allowed to post the link, but if you go to facebook and type in the search Financial Investor and Loan Provider it comes up under "pages" They sent him a video of a consignment of cash that had just…
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Premium Bond Winner ?
im interested in winning premium bond holders , or not as the case may be , please post your winnings and holding as well as length of time held , i have a theory that newer bonds win more prizes , id prefer not to make this a discussion area of that arguement but i would be interested in your winnings just a bit of…
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