Help with maximising savings.

BB78

With all the interest rate cuts my head spins each time I look at ISA’s & savings accounts so can someone please point me in the right direction.
I opened a Barclays Tax Haven ISA at the beginning of April last year & put in the full allowance for the tax year 2007/2008 & 2008/2009 (although I have had to withdraw some of this.) I got the introductory bonus rate which is due to run out the end of April this year but with all the interest rate cuts it looks like the rate has plummeted from 6.5% to 3.12% AER.
I also opened a Kaupthing account and have a lump sum in there and the interest rate is now down to 3.55% AER.
I’ve had a Tesco Savings account for years because its convenient for paying money in, I save each month for next years car insurance, tax & MOT & keep it in this account. Interest rate 2.45% AER.
I also put money away each month for my buildings & contents insurance, TV licence, prescriptions & presents. In total I’m putting away £136 a month (including the money I put away for my car stuff.) I have umpteen separate accounts and it looks like I’m missing out on potential interest!

I have an unsecured loan on a fixed rate 6.1% AER, 76 months to go & a bit under £13,000 to pay back. Originally my plan was to keep 6 months worth of mortgage payments in an ISA as an emergency fund & pay off half the loan to reduce my monthly outgoings but with the economy going tits up no one is offering a competitive rate to make it worth switching the loan.

I would still like to keep an emergency fund in an ISA, should I ditch the Barclays one now or wait until April?
I’ll still have a lump sum over, should I drip feed this into another account and if so which one? Or should I wait until after 5th April & then put the money into the ISA?
I’m likely to be withdrawing money 8 months out of 12 so was going to open a Tesco Internet Saver account for the £136 a month but I missed the introductory bonus rate offer and with all the interest rate drops I now don’t know what to do!
Can anyone help me maximise my savings??


N.B. I can’t bank with NatWest as I have a DP account with them.