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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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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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Buying shares for the first time.
Hi I have joined a group that offers shares advice (as in which shares to buy and when to sell). I've followed the advice without actually following through, as a test. If I'd bought and sold as advised, I'd have made about 7% in two months. I have decided that I can afford to lose £200. I'd like to buy and sell as advised…
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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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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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Christmas / Holiday Club for a Group of people
Hi all Can anyone suggest or recommend a Christmas / Holiday Club for a Group of people We are currently with Lloyds Bank, who have notified us that they are closing our (current) trust account in December. We are looking for an alternative. We need to find an account, which can allow access throughout the year (should any…
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Moneda Capital Warning
There have been a few threads in the past about Moneda Capital that seem to have disappeared . The bank they claimed to be working with has confirmed that they have no contractual relationship with them but interestingly Moneda Capital has now amended their advertising. Although they are still targeting social media…
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Inheritance - £85k - help!
I am new here, and new to really caring about money..! I am going to inherit around £85k later this year and I am really struggling to decide what to do with it. I: - am 41, single, no kids - am newly self-employed - have no debt apart from my student loan (around £22k) - rent in London, so do not own a house - do not own…
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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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GILTS - UKT 0.875 01/46
Hi. I've been following GILT prices for a while now and am thinking of buying the above. As I'm new to it, I'm just checking: I can buy a GILT originally issued at £100 for £43.79? I get 0.875%, so 87.5 pence for every GILT I buy (as a coupon annually which is paid half yearly). In Jan 2046 I would receive £100 for each…
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MSE News: Premium Bonds – are you due a share of £106 million in forgotten prizes?
Over 2.6 million Premium Bond prizes worth a combined £106 million are waiting to be claimed, the latest figures show. Most bondholders now get prizes paid automatically, though this may not be the case if you have older bonds. Plus, prizes paid by cheque may be unclaimed if you haven't kept your address up to date or…
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Any experience with Chetwood bank? or Monument
Hi all, I'm just wondering if anyone has any experience with Chetwood bank or Monument and whether or not you would recommend them? I cant seem to find much about them online at all. I need to split some money between a couple of savings accounts. The others I have been considering are Vanquis, Oxbury, OakNorth and Atom.…
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Another "offer" from Litani for my Sunlife shares
I'm not sure if its just me, but I am being inundated with so called offers for my Sunlife shares. The deal is so bad-about 40% less than their value. I realise that I can just throw these in the bin, but it almost seems like theft that someone will sign up to this. Its the fourth letter I've had now. I assume as there's…
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Onshore Investment Bond without and IFA involved
I am keen to open an onshore investment bond and am pretty savvy as to how they operate but all the main providers I have found only seem to allow you to open it via and Independent Advisor, does anyone know of companies where I can open one direct without the IFA? I have nothing against IFA's and have used them before but…
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Gilts vs Savings
The Gilts vs Savings calculator in How gilts can help you pay less tax on savings interest doesn't seem there any more. Has it been withdrawn?
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Nat West & RBS Regular Savers
The balance of my RBS reg saver has reached £5K. Interest isn't paid on balances over £5K. Does anyone know if I can stop the monthly payments and just sit on the balance earning 5.5% ?
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NS&I can't login!
Hi All, I've been moving more money into NS&I recently and am currently in the situation where I can't login! I know their website can be a bit 'clunky' but at the moment for me there's no 'login' fields for me to use on their login page! Currently (trying) to talk to them via Twitter. They have a pinned message from 2024…
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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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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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Taxation of savings interest and dividends with other income just below the higher rate threshold.
I know that in the simple case, a standard rate taxpayer will have a £1,000 PSA to be deducted from savings interest before calculating tax on the rest; and a higher rate taxpayer will have a PSA of £500. The problem I have is in trying to understand what happens, if the interest (before applying the PSA) would take the…
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Financial Guidance
The old fella and me are thinking of selling our house. We want to move nearer to his work, but don't want to buy in that area. He retires in 4 years, so we're thinking of selling the house, renting a small place until his retirement and then with the sale of house money and his retirement payout buying a new home…
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