An in-between phase

PennysIntoPounds

Thanks @Sun_Addict but I want the option to be able to withdraw if we need it for a build bill.
And I'm somewhat loathe to open any more accounts with banks as a new customer just in case we do need (please it won't be necessary) to apply for another mortgage.

PennysIntoPounds

Listing
Admin
Tidying
Comping
Survey

Saver matured so shares to usual pots
Aim: £711.87
Got £15.76

Steps dropping off a vinted sale
Half wussy situps
Flat clean

Was a scab and did some build admin as I don't want the shower etc to be chosen without me, but I quickly lost interest when it turned out there are approximately one million types of loo so I'm back on strike now

Hope everyone is having a lovely Saturday 🥂

badmemory

I have had regular savers with the Nationwide for quite a few years & never known them change the rate during the year.  Of course that doesn't mean they can't, just that they haven't.

£200 a month in both will give you £78 & £60.  Even if the Nwide do reduce during the year it seems unlikely they will reduce it as far as 5%.

PennysIntoPounds

Thanks for that @badmemory, unfortunately I don't have enough funds spare to do both, but will probably go for the Nationwide one as that'll mean I should have enough money with them if they do the loyalty reward thingy again 

Sun_Addict

Don’t choose a square loo. That’s what I’ve got and what a nightmare getting replacement seats 😞

badmemory

I don't know how good your mobility is but if you sometimes struggle to stand up from sitting a taller than the norm toilet may be a good idea.  I got mine when I was waiting for my hip replacement & it saved me having a temp one & much more secure.

Baileys_Babe

As you are only going to fund one account I would choose the  Nationwide account:
1) the higher interest rate
2) chance of them doing & you qualifying for a fair share payment 
3) they would have to reduce the interest A LOT to be at the same rate as Santander. In my experience Nationwide are more like to make an issue No Longer Available and then launch a new issue with a different interest rate.

Their is no guarantee that they won't change the rate, but fingers crossed they don't 🤞

joedenise

Don't go for a "slimline" loo - we hadn't realised that's what ours was until we needed a new loo seat and went and bought a standard one from one of the DIY chains and it was too big!!!!  Had to go back to where we'd bought the loo from and order one and it took ages to come!  It's not nice sitting on a broken loo seat pinching your bum when you sit down!

PennysIntoPounds

Thank you all for your loo and money advice! 

PennysIntoPounds

Usuals

Shower and hairwash. I swear this conditioner refills itself in the night

Steps getting some olio books

More steps dropping off a vinted sale

Toilet blocked for no reason, Mr PIP had a plunger workout and hopefully it'll be okay now 😭

Opened Nationwide saver

More steps dropping off ironing board to tip with Mr PIP

Hip-pelvis joint dislocated so bit sore and limpy but luckily it popped itself back in

Pub.
Chippy tea.

Only good vibes on a Sunday 🍻
Even if one does have to spend their interest they were looking forward to all year on bloody Microsoft Office, despite only just having bought it, grr