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Savings to Lower Loan time
I wonder if anyone could advise. After successfully receiving ppi payments, I currently have a loan taken last year February, of £15k, which is now £12897 which I took out for re-financing over 7 years! I was told I can pay extra on the loan to decrease the time factor of the loan. I'm paying £331 per month and I estimated…
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Barclays isa
Hello all, can anyone please advise me: opened an isa 1999, saved and saved but never really took much notice apart from balances, got a statement on Sat, £29.458 and only £27.00 interest! spoke to Barclays and met with adviser that day, because I now dont bank with them I am ticked as not contactable on there computer…
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Notts e saver issue 4
I can't see this new account mentioned anywhere so thought i would pass on the info http://www.thenottingham.com/savings/esaver-plus-issue-4/ I already have issue 2 at 3.20% which is due to lose it's bonus in August.So have been looking around for another one,and as this is not far behind at 3.10% and i certainly don't…
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S&S ISA Dilema
At the moment I have £21,000 investested in a Stock and Shares ISA under a pretty high risk fund portfolio. But even though I am using Pound Cost Averaging every month. I feel like stocks just don't seem to going anywhere. My dilema is do I continue with my high risk stragegy (I have about 15 years left before I want to be…
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Asset Allocations Between Pension and ITs
I'm planning to buy into some income generating investment trusts but wondering if I should be looking at asset allocation/geographic spread in relation to my pension fund holdings? I'm 43 (so pension is a long way off) and currently non UK resident, so won't contribute any more without the tax breaks (or to S&S ISAs) but…
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Please help....Nil rate Discretionary Trust
Please help as I am desperately confused and panicking :( My Father died a few months ago and had a nil rate band discretionary trust in his will. The Beneficiary is my Mother and she and I are both Trustees. I will then be the sole inheritor when my Mother dies. At the moment a solicitor has dealt with probate/tax form…
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Is £300 reasonable on a monthly social budget?
Hi it might be a silly question but after all my bills and everything including food! I am walking away with £300 to live on for the month; now if I am wanting to start saving too is £300 ok to live on? or should I look to cut down some other bills, if I can? I recently signed up to a new loan to get myself out my damn…
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Transferring ISA away from Halifax
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Saving novice
Hi I am single mum with my own little business ( that ive built up around my son's needs working mainly at night) and the last few years have been very very hard. I'm hoping with my son going to school this sept I can get some more time to work and a part time job too and start saving something towards having a contingency…
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Think of the future
Me and the GF have been talking and decided we want to start saving for the future. We were thinking a joint account just for savings where we put what ever is left over for the month into, we were ideally going to put a fixed amount in every month but her job has come into question and we don't know what will happen yet…
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When interest rates finally rise
I've got a couple of fixed rate savings accounts which got me thinking about when interest rates will finally rise. Tell me if I'm talking nonsense, but when the BoE interest rate rises, will it just increase by 0.5% anyway? I am under the impression that the rate either increases or decreases by just 0.5%, is this…
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Safe investment for £20000
i have just had my divorce settlement. i will use £30000 to pay of the bulk of my mortgage. £5460 for an isa . I want to keep about £10000 for instant emergency use as my monthly income is very erratic. This will leave me with about £20000 to invest. Any suggestions.. there must be no risk to my capital
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Who offers direct debit into savings from more than one account?
Apart from Principality BS, anyone know of a savings account where you can use a direct debit to pay money in, from more than one account please?
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Sample Portfolio Ideas - Help Required
Hi, I have been investing in S&S ISAs for five years with variable results and am looking for some sample portfolios as a good guideline. I saw this one recently on Best Invest (https://select.bestinvest.co.uk/fund-research/select-portfolios/growth-moderate-pound25kplus) and would appreciate thoughts on this one or…
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Am I being wise with money?
Hi, I'm currently trying to make as much money as possible in order to save up to fund my PhD. My target is to have £15,000. I have £4000 in an ISA from last year (didn't max it out stupidly), £3100 in an ISA for this year and am going to put more in, and 2800 in another account. I'm owed around 1300 in a tax rebate too.…
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Spend Now? Or Keep Saving
Hello to everyone :beer: first time poster! I'm saving for a trip to Oz, nearly there! However i'm trying to work out whether to spend 2 months worth of savings on a laptop. The cheapest, upgrade laptop with warranty costs 3.5 months savings, eBaying the current one yields 1.5 months savings back. There is nothing wrong…
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£20k short term investment / monthly interest
Hi, Looking to invest £20k in savings account, but want to keep separate to ISA. Want an account that will accept a deposit of the full amount and pays interest monthly as may need access to the cash in 6 months. I've seen the Santander eSaver 3.2%. If I chose to recieve the interest monthly, how is it broken down and how…
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Shares ISA
I have had a shares ISA with Sterling for a number of years that doesn't really seem to be making much money. I would like some advice on what is the best thing to do with it? Should I transfer it somewhere else? Or cash it in and reinvest elsewhere?
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Monthly savings of between £700 and £1000
Hi I need an account that I can save my wife's monthly pay into, it varies between £700 and £1100. It is being saved up and we dont need instant access. Any ideas please? Thanks
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Savings help!
Hi, this is my first thread so be gentle . i have £21k to put into savings but unsure where to put it? CAn someone please point me in the right direction... its currently in a natwest savings with no interest given :( Im planning on adding to this throughout the year. Help please :) Thanks
