It's time to start digging up those Squirrelled Nuts!!!!

k6chris

Ibrahim5 said:

If you won £500 you could buy a nice bike.

Have you seen how much the things that we are not allowed to talk about cost???  A nice wheel perhaps.....

Secret2ndAccount

Sea_Shell said:

Zero winnings on the PB's again for the second month (on £40k) 

Shoving it all in Marcus would have guaranteed £20.   Ho Hum.

As each month passes, surely we get more and more likely to win something....eventually!!

Savings market is not as hopeless as it was. If you prefer the guaranteed return, you do now have options.
You can now get 0.7% for instant access, and 1.1% for 120 day notice. Put 15k in the instant access, and 25k in the 120 day, and you now have an interest rate over 0.9%, which beats the Premium Bonds as long as you don't pay tax on your savings income. 
Right now, I still feel that PB's have a slight edge, but it's marginal. 
Of course, you have no more likelihood of winning next month just because you haven't won lately. There's no guarantee of getting back to average.

Ibrahim5

With the current ban on discussing bikes I started to look at trikes. With the addition of electric power they start to look interesting. They seem to all have big baskets. Would be interested to know the target market and how drivers behave around them. Maybe Sea_Shell could do her shopping with one.

Dead_keen

Ibrahim5 said:

With the current ban on discussing bikes I started to look at trikes. With the addition of electric power they start to look interesting. They seem to all have big baskets. Would be interested to know the target market and how drivers behave around them. Maybe Sea_Shell could do her shopping with one.

I have this dream of moving to the Netherlands and keep wondering if I could replace my car with one of these: https://urbanarrow.com/product/bikes/family/family/?config=68m4  It would work with shopping and taking the dogs places (and jigsaw puzzles will fit in too).  Hopefully Sea_Shell won't ban me now.

Sea_Shell

Secret2ndAccount said:

Sea_Shell said:

Zero winnings on the PB's again for the second month (on £40k) 

Shoving it all in Marcus would have guaranteed £20.   Ho Hum.

As each month passes, surely we get more and more likely to win something....eventually!!

Savings market is not as hopeless as it was. If you prefer the guaranteed return, you do now have options.
You can now get 0.7% for instant access, and 1.1% for 120 day notice. Put 15k in the instant access, and 25k in the 120 day, and you now have an interest rate over 0.9%, which beats the Premium Bonds as long as you don't pay tax on your savings income. 
Right now, I still feel that PB's have a slight edge, but it's marginal. 
Of course, you have no more likelihood of winning next month just because you haven't won lately. There's no guarantee of getting back to average.

I know that, really.   But I hope to get back on track to average, so have got my fingers crossed for at least a £100 win in January, or even £75  ("average" would need to have been £30 pm)

Sea_Shell

Word of the day......Disrespectful.

Bravepants

Sea_Shell said:

Word of the day......Disrespectful.

Agreed! Have you noticed it's always the "youngsters"?

Dead_keen

Sea_Shell said:

Word of the day......Disrespectful.

Het spijt me

zagfles

Secret2ndAccount said:

Sea_Shell said:

Zero winnings on the PB's again for the second month (on £40k) 

Shoving it all in Marcus would have guaranteed £20.   Ho Hum.

As each month passes, surely we get more and more likely to win something....eventually!!

Savings market is not as hopeless as it was. If you prefer the guaranteed return, you do now have options.
You can now get 0.7% for instant access, and 1.1% for 120 day notice. Put 15k in the instant access, and 25k in the 120 day, and you now have an interest rate over 0.9%, which beats the Premium Bonds as long as you don't pay tax on your savings income. 

With RPI at 6% and CPI at 4.2% that is pretty hopeless. 3-5% pa real terms loss on your cash savings.

Much more hopeless than it was a year ago when RPI/CPI were 1.3%/0.7%, when even zero interest would have been better than around 1% is now.

Sea_Shell

zagfles said:

Secret2ndAccount said:

Sea_Shell said:

Zero winnings on the PB's again for the second month (on £40k) 

Shoving it all in Marcus would have guaranteed £20.   Ho Hum.

As each month passes, surely we get more and more likely to win something....eventually!!

Savings market is not as hopeless as it was. If you prefer the guaranteed return, you do now have options.
You can now get 0.7% for instant access, and 1.1% for 120 day notice. Put 15k in the instant access, and 25k in the 120 day, and you now have an interest rate over 0.9%, which beats the Premium Bonds as long as you don't pay tax on your savings income. 

With RPI at 6% and CPI at 4.2% that is pretty hopeless. 3-5% pa real terms loss on your cash savings.

Much more hopeless than it was a year ago when RPI/CPI were 1.3%/0.7%, when even zero interest would have been better than around 1% is now.

It seems like a lose, lose situation, trying to balance access to a cash pot v inflation v market volatility.

Cash is approx 8.5% of our total pot at the moment.