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Learning to walk before I run
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Ed, I'd recommend headforpoints.com if you want to get saving travel points now for when the girls are older (it can take quite a while). Your Amex points may be worth more saved as Amex points for now - you can convert them to most (all?) airline rewards schemes.Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days
'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway4 -
@themadvix - thanks for that suggestion. I do quite like headforpoints, but it's primarily for the vicarious thrill of seeing how the big spenders live!
I think my Nectar points were born Nectar points IYSWIM - there's no mention of AMEX points anywhere in the paperwork or the app. 4 -
oooo - thanks for the reminder about one ISA per provider @edinburgher - I knew that somewhere in the dark recesses of my brain, but was tempted to open a shares ISA with my current provider. - Instead, I'll move current fixed term ISA elsewhere and then open a shares ISA with the current!4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)Original End Date - Sept 2041 New projection - Dec 2039 (reduced by 21 months)4
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Oh definitely the land where the big spenders live, but sometimes some good info! 😂 It’s an Amex Nectar card then, not an Amex rewards card that you can convert to Nectar. Makes sense.Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days
'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway5 -
@rtandon27- I assume the issue only arises when it is more than one cash or more than one S&S ISA with the same provider. I have cash and S&S ISAs with T212 and that has been fine (I really enjoyed the simplicity of it, actually, but their rates for cash were no longer competitive).4
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@edinburgher - ah - thanks for the clarification - I'll have a look at the rules before I make any moves! - that being said my preferred ISA rate will be expiring and there is no guarantee that the rate will be anything but pants the next time round.4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)Original End Date - Sept 2041 New projection - Dec 2039 (reduced by 21 months)4
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Are you sure the ISA thing applies to all banks. I am sure I have opened a new fixed term one in the same year as an instant access although it may have been that they opened the instant access one. It does seem to have been all change in the last 18 months though.5
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@badmemory - I'm not sure of anything other than Santander doesn't allow it4
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@edinburgher - prompted by our earlier exchange, I found out this interesting info about ISA's - posted it on my thread so as not to clutter up yours!4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)Original End Date - Sept 2041 New projection - Dec 2039 (reduced by 21 months)6
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Beamer. Not heard that in so many years.Massive well done to you.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.6
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