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Basic Savings Question

I know this is going to be a little small time compared to most of the other threads I've seen posted, but the truth is I am clueless about saving and would really be interested in what advice you can offer, so if I am just asking a daft question please bear with me.

So my situation is simple, I'm not really making much extra money on top of all my outgoings and would love to start saving a little of what I do have spare (I find it far too easy to waste money on something geeky).
What I want is something I can add money to every month, without being able to touch it for a year or two, though I may only be able to put in a little at times so I can't sign up to something I need to put X amount in per month, nor would I find something that penalises me for being able to save more another month useful.

So what do you suggest? A saving I can top up, that I will be unable to squander.
Many thanks.

Comments

  • xrjtg
    xrjtg Posts: 600 Forumite
    Choose an account from this page that has a notice period and access method (online/branch etc.) that are sufficiently inconvenient to stop you raiding your savings.

    I'm not sure that the exact type of account you ask for exists.
  • DiggerUK
    DiggerUK Posts: 4,992 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Superhero, start off with a Cash ISA. You can get up to 3% net.
    It is behind inflation rate, but the world is as you find it, not as you want it.
    Start building a pot and do some research. Here was a good start.
    Best of fortune.
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