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Keeping track of interest rates on multiple accounts

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  • Slinky
    Slinky Posts: 11,348 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    edited 17 March 2023 at 2:45PM
    The file exists only on a separate encrypted USB stick and never on desktop/laptop/cloud.
    OH used to do this with a small USB stick, which was great until it went missing. I think it got caught up with the Sunday newspapers and went in the recycle bin.  Cue having to change a whole load of passwords etc and rebuild the info.

    We now have the file on an external hard drive wirelessly which is the size of a housebrick.

    Make £2025 in 2025
    Prolific £841.95, Octopoints £6.64, TCB £456.58, Tesco Clubcard challenges £89.90, Misc Sales £321, Airtime £60, Shopmium £52.74, Everup £95.64 Zopa CB £30
    Total (1/11/25) £1954.45/£2025 96%

    Make £2024 in 2024
    Prolific £907.37, Chase Int £59.97, Chase roundup int £3.55, Chase CB £122.88, Roadkill £1.30, Octopus ref £50, Octopoints £70.46, TCB £112.03, Shopmium £3, Iceland £4, Ipsos £20, Misc Sales £55.44
    Total £1410/£2024 70%

    Make £2023 in 2023 Total: £2606.33/£2023 128.8%




  • gingercordial
    gingercordial Posts: 1,681 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    It's interesting that nobody has said they have their accountant or financial adviser deal with that for them. Everyone seem to operate a DIY system.
    In my case it's because I am an accountant!
  • I am currently using YNAB to budget and I put the interest rate within the name of each account.
  • Frogletina
    Frogletina Posts: 3,914 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I am currently using YNAB to budget and I put the interest rate within the name of each account.
    Me too

    I also put a red flag against each interest payment for the current tax year so I can see how much interest I have accrued.
    Not Rachmaninov
    But Nyman
    The heart asks for pleasure first
    SPC 8 £1567.31 SPC 9 £1014.64 SPC 10 # £1164.13 SPC 11 £1598.15 SPC 12 # £994.67 SPC 13 £962.54 SPC 14 £1154.79 SPC15 £715.38 SPC16 £1071.81⭐⭐⭐⭐⭐⭐⭐⭐⭐Declutter thread - ⭐⭐🏅
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