regular saver or ISA this year?...

confusedsaver_3

Hi,

For the last 2 years I have been putting money into Barclays ISAs, the original 07/08 one is paying nowt (0.5% I believe) I have the most money in this one about £3k. The 08/09 Tax Haven Account (£1.2k) is paying 1.5% (because of the bonus?) at the moment. I also have an ordinary savings account - which also is paying not alot... (£1.2k)

I pay £100 a month each into my 1 ISA and my savings account at the moment, the ISA's are my 'house buying deposit (ha ha!!! yeah right...)' and I don't touch this money, I use my savings account for things like holidays.

I have been looking at the Barclays Golden ISA for 09/10 but am unsure whether I am going to benefit by going down this route this year?.... The new Golden ISA does not allow me to transfer any money from other ISAs (I presume this means even those I hold with barclays?) so I could theoretically transfer my savings a/c money into the new ISA and then transfer some of the original ISA funds into my savings account for everyday spending?

OR I have just been shown the Monthly Savings Account from Barclays which pays 6% interest (for the year) if you don't withdraw monthly and 3.03% if you do... as this is taxed would I actually be better off doing this instead of the Golden ISA? and putting my original ISA money in here?...

I am a bit confused?.. I hope you aren't! any helpful advice gratefully received!....


cheers