Ecstatic Laughter In The Evenings

tweets

Enterprise_1701C wrote: »

Promise you won't shoot me :D:D

No I also done first level.

Time for work now cya all laters :wave:

izzy65

Good morning, sorry your so ill ladyshopper hope you feel better soon, we have plenty cloud but hoping it doesn't snow today as has done the the last couple although it hasn't lain

karlie88

mhoc wrote: »

Nationwide sent me a savings watch email yesterday to say the Loyalty saver interest rate had gone down 1.2% :mad: - this was heralded as a tired account for long service members - the top rate for people who had been with Nationwide for over 15 years - I don't know what infuriates me more - the name of the account or the dropping interest rate or both.

It was good enough to start with but then after the first cut in interest rate I started a Nationwide regular saver so the Loyalty saver has been feeding it ever since - moving money from one jam jar to a more brightly coloured jam jar.

The main use I had for the Loyalty saver was as a temporary holding jam jar. We get paid every 28 days so some months, as is happening now we get paid mid month and so I would move most of the salary across into the Loyalty saver until bills day came along and then it would get shuffled back across.

Now though I've upgraded the current account to a Flex plus which is one of those packaged bank accounts - various insurances including car break down and also worldwide travel - (it costs us £10 a month but I was paying that for the previous travel insurance anyway)
Flex plus also gives 2.5% a month - sadly partly taxed at the moment as its a joint account. Even so it still works out better than the miserable 1.2% on the Loyalty saver.
It also means the salary can sit there in the current account whatever day of the month it arrives and I don't have to move it back and forwards on the correct day and worry about making sure the current account has enough in it to cover bills

Now though with the latest drop I think I might as well find a fixed rate ISA for the 2015 tax year and use what is left in the Loyalty saver for that.

Mind you I am not even sure about the ISA because even the best rated long term fixed rate ISAs only pay a smidge over the 2% rate but the regular saver is paying 2.5% - I wonder if that interest rate will also drop ...

Surely there are better options out there for you?

- First Direct Regular Saver @ 6% - £300/month
- M&S Bank Regular Saver @ 6% - £250/month
- HSBC Regular Saver @ 6% - £250/month
- Club Lloyds Regular @ 4% - £400/month

There are also other local Building Societies offering 3-4% regular savers such as Saffron BS, Kent Reliance, West Brom, The Nottingham, Leeds BS etc.

Add to that 3-5% current accounts...

I'd be moving on from any bank that's offering less than 3%....

mhoc

zippydooda wrote: »

I may be miles out but I work it out to be £2.83 each

so you know the name of the mystery wine then ....

The suspense is killing me :rotfl:

sparklyfee

manila wrote: »

Can you tell us at least which supermarket is it, if you don't want to reveal the wine name? I am always missing deals, if there is Adsa

Are we still waiting for the wine offer sharing? I had a look in morries and they had Hardys nottage hill with 1500 points. It's on the 6 for 25.00 at sada but I believe morries has a cap. It was over 8 quid a bottle there so without the cap would've been a corker of a deal.

Dippydoo

s4mmy wrote: »

Hi Claire
I think that if you stick to just the deodorant you buy in twos because the multibuy kicks in but I bought an odd number and added a Sanex Dermo repair.
Hth
S4mmy

I just bought 3 sanex men deos and a 500ml sanex kids bath multi worked fine hth

wackynut

rose28454

Any news on the wine. I have a wedding in August to buy wine for and would like to start asap. Thanks

Dippydoo

My daughter and her friend have just been to sada. They did 2 shops each and in each shop they got 1 sanex men deo and a 500ml sanex (4 different sanex in total) all worked fine so I think its safe to say all the 500ml sanex bath will work

mhoc

karlie88 wrote: »

Surely there are better options out there for you?

- First Direct Regular Saver @ 6% - £300/month
- M&S Bank Regular Saver @ 6% - £250/month
- HSBC Regular Saver @ 6% - £250/month
- Club Lloyds Regular @ 4% - £400/month

There are also other local Building Societies offering 3-4% regular savers such as Saffron BS, Kent Reliance, West Brom, The Nottingham, Leeds BS etc.

Add to that 3-5% current accounts...

I'd be moving on from any bank that's offering less than 3%....

ta for this - HSBC looks like a good one - I've got to start another nationwide flex so I've got something to switch from.

Club Lloyds I wasn't so sure about the rules - how much you need to put into a current account each month and if you get full interest every month etc

I've got First Direct and just started Marks monthly savers so I am getting there. Also my new Nationwide Flex plus pays 2.5%.

Have to have a look at the local building society's and their rates and which ones you can apply for online or via the post - I like the mountaineering allergy that I've now reached the 2.5 to 3% ledge and I now need to be pushing upwards and onwards and aim higher

I've got a little pot of money which at the moment is going into 5 different savers accounts so this is the sum I have to jiggle with each month.
- originally the idea was to have enough for the 2015 ISA but with the change in the interest rules next year and even the best fixed rate ISA not doing too well I've lost faith in them.

I also first thought we would be £20 a week better off :T after OH got a new tax code but another £80 a month of DD are going out each month so that put pay to any ideas of wild and extravagent indulgences every month :rotfl: