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Progress not Perfection

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  • I do recommend Zopa - easy to set up on your phone and you can nominate one or more bank accounts to pay in or out of. Currently no notice is 2.86%, 1 week is 2.91%, 1 month is 3.06% and 3 months is 3.26%.

    The interest is calculated daily and applied once a month from the date you put the money in. I put my sinking funds and my christmas savings in there as you can have as many pots as you need - they also do longer term fixed savings where my DS has his money and that's currently on over 4%. 
    Been thinking about Zopa, but I must admit I'm a bit old fashioned when it comes to banks. And as I'd never heard of them, I wasn't sure about them.  Don't want to go losing all my money....lol.  Is it easy to get to your money when you need it? 
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £28,744....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  Since 2022 we paid over £15K in OPs.

    Challenges

    EF #68  £450/£3000
    .
    Fiver Friday '25 #10 £15

    Studies/surveys  July £72.46

    Decluttering items 750

    Books read    12
    Jigsaws done  8

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • Forgot to say DIL is out of hospital. 
    Oh, so pleased to hear that. Hope she is feeling a lot better now. x
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £28,744....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  Since 2022 we paid over £15K in OPs.

    Challenges

    EF #68  £450/£3000
    .
    Fiver Friday '25 #10 £15

    Studies/surveys  July £72.46

    Decluttering items 750

    Books read    12
    Jigsaws done  8

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • badmemory
    badmemory Posts: 9,564 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    So pleased your DiL has been "set free".  Re the distance glasses if you were driving/riding a bike I would say get them, but as long as you can still properly see across the road, we definitely don't want you to get run over, then it would seem a bit pointless.  If they really thought you needed them I suspect they would be talking variofocals, which are break the budget time.
  • joeyjimbles
    joeyjimbles Posts: 2,248 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I do recommend Zopa - easy to set up on your phone and you can nominate one or more bank accounts to pay in or out of. Currently no notice is 2.86%, 1 week is 2.91%, 1 month is 3.06% and 3 months is 3.26%.

    The interest is calculated daily and applied once a month from the date you put the money in. I put my sinking funds and my christmas savings in there as you can have as many pots as you need - they also do longer term fixed savings where my DS has his money and that's currently on over 4%. 
    Been thinking about Zopa, but I must admit I'm a bit old fashioned when it comes to banks. And as I'd never heard of them, I wasn't sure about them.  Don't want to go losing all my money....lol.  Is it easy to get to your money when you need it? 
    Really easy. You can nominate one or more bank accounts from which to transfer your money into the account, and then specify which one to send it back to. Depending on what notice you've set your pot to, it becomes available on the day specified and is in your account within 20 minutes of requesting it.
    LD 12.25 £1600.00/£0700.00             Fn £274.00  LTFn £525  LLTFn £300     
    Renewal 25 £500.00/£500.00            InsH 12.25 £600/£600.00   InsP 03.26 £150/£150.00
    NPt 12.25 £150.00/£051.50               Ins/TC 02.26 £550/£470.00
    YX25 £1500/£0750                             FD £3600/£0600
    PX25 £1500/£0625                             P6m £1200/£0800  PEa £100/£060          
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