How much can you save?

tara747

Nnnnnnnnnnoooooooooooooooo

http://www.guardian.co.uk/money/2010/mar/30/santander-best-buy-isa-deadline-looms

Vixstar

I don't think there will be many better ISAs out in the next few weeks. Am intrigued to see how much mine has earned and then going to take the some what odd step of moving it to a slightly lower earning account but one where I can access it online as hopefully it will be used as a house deposit soon and would like all my savings visible and easily accessible. Not sure if to fill it up at the beginning of the year as I have the money available or wait until I have bought a new place (judging on my currrent situation that could be a very long wait though).

Vixstar

Quick question about regular saver accounts - I opened mine last June and made first deposit then, does it mature (as such) this May?

LucyTheDwarf

tara747 wrote: »

Nnnnnnnnnnoooooooooooooooo

http://www.guardian.co.uk/money/2010/mar/30/santander-best-buy-isa-deadline-looms

I share your pain, sister. Both the ISAs I had my eye on are now unavailable. I was going to transfer previous years to Aldermore, but they've closed all applications till the new year, and I wanted Santander for my 2010/11 ISA

And then I learn that I could have applied for Santander a a week ago, for next year's subscription - but at that rate, if only I'd asked

LucyTheDwarf

Vixstar wrote: »

Quick question about regular saver accounts - I opened mine last June and made first deposit then, does it mature (as such) this May?

They normally mature the anniversary of account opening. So the interest is paid on that date.

tara747

LucyTheDwarf wrote: »

I share your pain, sister. Both the ISAs I had my eye on are now unavailable. I was going to transfer previous years to Aldermore, but they've closed all applications till the new year, and I wanted Santander for my 2010/11 ISA

And then I learn that I could have applied for Santander a a week ago, for next year's subscription - but at that rate, if only I'd asked

Really??? ARGH.

I might just go for the Lloyds Vantage account - it pays 4% (gross) on balances between £5k-£7k, which now works out the same as the Santander ISA (3.2% net), but I can put an extra £1,900 in it. Then I will open a new ISA *when* a decent one comes along.

Masomnia

I know they say you should never settle but I think I'm going to stick with Halifax and accept the 2.6% Even though that's exactly what they want me to do!

Grrr.

As for this year's money... no idea. I really don't want to commit myself to any of the pants accounts that are out right now. Maybe in a week's time with the new tax year we'll have something a bit more exciting.

Hopefulwife

Pay day 2moro :j
I am so tempted to wake up at midnight and log in just to see that its hit the account BUT that would just be sad and i dont think it will help me reach my goal any faster lol:(

But just out of curiosity does any1 ever get that urge?? Its ok if its just me

If u want a life like noone else's, live like noone else (i love it)

tara747

Hopefulwife wrote: »

Pay day 2moro :j
I am so tempted to wake up at midnight and log in just to see that its hit the account BUT that would just be sad and i dont think it will help me reach my goal any faster lol:(

But just out of curiosity does any1 ever get that urge?? Its ok if its just me

If u want a life like noone else's, live like noone else (i love it)

I don't tbh, but only because I do my budget by calendar month, so even if I get paid on the 27th (or whatever date), it counts towards next month's budget. So I'm even sadder than you! Oh and I do always get very excited when I see my yearly ISA interest added woo hoo!!! :j

FirstTimeSaver_2

Just wanted to give my update. I put £91 into my savings account. I was so excited as it's the first proper savings that I have ever done!! Woo hoo, doing a litle happy jig :rotfl:

I know it's not very much but it's little tiny baby steps at first. I've also devised my own monthly excel budget sheet which is really helping me keep on track with my daily spending.

I do feel a little overwhelmed when I see how much everyone else has saved. It makes me wish I'd sorted myself out years ago.