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Saving to buy things in the long run
In convo today, it was said that it is much cheaper in the long run to save up and buy things outright (whether it big purchases or things that you want/need) than it is to buy on credit cards and pay in full. Is this always the care? Are there people here who save for everything they buy/plan or want to buy? While I do…
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Should I buy premium bonds? (No, seriously)
I've inherited rather a lot of money* which I wasn't expecting, but here we are. It's enough to have to pay tax on the interest that I receive over the year. I don't own a property, but the plan is to buy one in the next 1 - 3 years and for that I'll need a sizable deposit here in the South East. I'm currently getting the…
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Savings spreadsheet
Hi everyone, I'll be honest from the outset and say that I am useless with Excel, however I was hoping someone could point me in the direction of a standard savings spreadsheet, preferably on a mobile app too? I am just after a spreadsheet that will enable to me to list my accounts with respective savings and will update…
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'Mr A Jones RE Master B Jones'
When I was 13 years old my uncle put £1000 into a savings account for me (specifically a 5 year Guaranteed Capital Investment Bond). The account was in the name of 'Mr A Jones RE Master B Jones'. Mr A Jones was my uncle and Master B Jones was me. As I understand it, my uncle was a signatory on my account - because I was a…
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Is PayPal consider one of the Direct Debit payment for Tesco bank 3%?
I have Paypal account, and withdraw the money from there almost every 2 week. Is Paypal consider one of the Direct debit payment for Tesco Bank current account 3%?
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Newbury rates increase
Announcement from Newbury - rates on many savings accounts to rise 13 Sep. Existing Members Account goes up from 1.60% to 1.75%. All details on their website https://www.newbury.co.uk/ Ted
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Keeping track of dividends.
Is there a simpler way to keep track of my IT and ETF dividends compared to my existing method of encrypted excel and looking them up myself and filling in columns of dates and amounts? Looked at Dividend predictor which requires a subscription which is not really worth the time saved for me, or Dividend Max which is…
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Advice on possible scam
my partner has been phoned and then emailed by a company called Schroeder Law Firm about some penny shares he bought literally decades ago in a company which has now been put into liquidation, Skye International. He has been emailed a Stock Redemption Agreement and the person will ring him at 11 am tomorrow to seal the…
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80k to feed into Stocks and Shares ISA - Help Please
I presently have the following portfolio (equal amounts of money added to each each month) which I have been paying for the last 6 months (following a house purchase). We are luckily mortgage free now and starting to look at building our savings up again. We presently have about a years salary in Cash ISAs and Premium…
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Trustee accounts
Hi, I’m an executor on an estate and struggling to find some sort of saving accounts for 2 beneficiaries who can receive the money when they are 21 in 18months and 2years time. The account will need to allow 2 executor signatures on it. It seems theses types of accounts are few and far between and you can no longer just by…
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Gold-Backed Cards
What's everyones view on using a 'gold-backed' payment card (such as Glint)? Trying to understand the benefits and risks before taking one out
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Banking and loyalty
I have been with HSBC for forty years. If I were to move to another bank would I be giving anything worthwhile up? Anything at all? 40 years ago 40 years of loyal banking would be respected.
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Aston Martin shares
Do you fancy owning a bit of James Bonds favourite vehicles ? https://www.hl.co.uk/free-guides/aston-martin-ipo-alerts?SQ_DESIGN_NAME=ppc&theSource=SXTA9&utm_source=twitter&utm_medium=social-paid&utm_campaign=SXTA9-AstonMartinIPO-LCBLaL-Desktop-Be-Car-NC&Override=1
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Tax for Day Trader
Hello Guys, I have been day trading since 3 years (USA Markets). In the 1st two years trading I have made losses. However, starting from this year I have started to make good profits so far (50K Pounds). I am now looking for some advice as to how should I declare my profits when time will come to submit my Tax returns.…
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Direct debits for Tesco savings account
I want to open the Tesco 3% account but it states I need 3 direct debits and pay in £750 per month in order to get 3% on up to £3000. If I have 2x Santander and 1x Nationwide how do I set up the direct debits in order to keep the maximum amount of £3000 in the account?
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Funds - Anyone have these? How have they performed for you?
My ISA/SIPP seems to be a combo of the 6. Vanguard 100 Lifestrategy - 100% ISA Pension - 20% Each Lindell Train Global Equity Lindell Train UK Equity Fundsmith Equity Baille Giffard American B Legal & General Global Technology
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How do you keep track of your spending
I'm not bad at Excel so I'm currently building an excel spreadsheet to collate all the different bank accounts (4 in total) and credit cards (3 in total) that I have but was wondering what other people are using. I know some banks have their own apps which categories the accounts you have with them but do they collate…
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GLINT - 'reintroducing Gold as currency'
What's everyones views on Glint? In a nutshell, you upload funds to your account and Glint use it to purchase Gold which they keep in Switzerland... You will never physically own the Gold but as it appreciates (or depreciates) in value, this will be reflected in your account. I can't tell if it's worthwhile or not...…
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Max out savings
This may have been asked before. If someone was in the position of being able to max out all of Martins top tips for savings accounts (Savings, regular saver, current accounts etc across all banks) How many accounts would this be and what is total amount of interest one could earn. Is it worth all the hassle ? :beer:
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Definition of Income
When filling in application forms for things like credit cards/ mortgages/ loans, you're asked to declare your income; sometimes combined household income. Apart from the obvious such as salary and pensions, would you also include income from savings, investments and perhaps bonuses from insurance policies.
