The Old Regular Savers Discussion Thread 28/12/24-29/1/26

jameseonline

MHBS have paid me £3414.38 today, guessing £1 has been used to keep membership with an Easy Access as instructed.

I can now start to fund my remaining regulars & check my Principality from yesterday and my MHBS account today.

jameseonline

Things seem ok with my Principality accounts, can't fund 2 of them though as already maxed out which does mean of course we get to play the can we get another issue 4 game TWICE this month 😁.

So I've just requested option 2, have £1000 + interest to Virgin & £200 into a "new" issue 4 (converted issue 3) for my account ending on 10th December.

Next up will be an account ending on 28th December 🙃

SCC2

Anyone having issues with Monmouth app? I’m on IOS but just sticks at ‘getting things ready’

Stephen 

jaypers

SCC2 said:

Anyone having issues with Monmouth app? I’m on IOS but just sticks at ‘getting things ready’

Stephen 

Just did a test and AOK, also on IOS.

dealyboy

@SCC2 said:

Anyone having issues with Monmouth app? I’m on IOS but just sticks at ‘getting things ready’

Stephen 

OK for me on Android ... biometrics login

Born2Save_3

HEBS Card Deposit - ?Store your card details?

When just doing a card deposit to my HEBS RS account, I noticed there is an option I don't recall seeing before 'Express Checkout - Checkout With Card'.  I had a quick look but only at the first screen as I wanted to complete all the 1st of month transfers.  I just wondered if anyone has used this and could comment on what it is, how it worked for them and if they have any concerns. I think it is some sort of way to store your card details but using a third party, which I don't think I'm comfortable with.  However, it could potentially speed up the fastest way of sending money to HEBS.

Thanks @Bridlington for the new accounts notification. Just been able to add another two, so lets hope the calm has passed and a storm is beginning.  

where_are_we

clairec666 said:

s71hj said:

Out of interest, how many people on here utilise 0% credit cards to support their regular saver.... habit like I do. 

Yes, but only recently, as I was brought up with the mindset that credit card = bad.
I can now use them safe in the knowledge that I have the savings to cover paying them off.

I have been slow stoozing with 0% purchases zero fee credit cards for many years. Then when the offer expires I use a 0% zero fee balance transfer to extend further the "free money" time when I am making more than 5% in RS`s. With high interest rates over the last couple of years there has never been a better time to stooze. My stoozing is up to about £20k.
But only do this if you have the capital to pay off the debt completely before any 0% offer runs out and you have the discipline to adhere to all the T&C`s. Consult the credit card forum on stoozing for further information.

Born2Save_3

jameseonline said:

Things seem ok with my Principality accounts, can't fund 2 of them though as already maxed out which does mean of course we get to play the can we get another issue 4 game TWICE this month 😁.

I've always been able to deposit a 13th/7th full payment; no issues. Or have I misunderstood you ?

MisterMotivated

I'm stoozing as well, currently around £17k.  I recently transferred some balances to a new 0% card for a modest 2.49% fee (already used the no-fee options), allowing the money to earn me between 5% and 7.5% interest for the next 31 months

surreysaver

where_are_we said:

clairec666 said:

s71hj said:

Out of interest, how many people on here utilise 0% credit cards to support their regular saver.... habit like I do. 

Yes, but only recently, as I was brought up with the mindset that credit card = bad.
I can now use them safe in the knowledge that I have the savings to cover paying them off.

I have been slow stoozing with 0% purchases zero fee credit cards for many years. Then when the offer expires I use a 0% zero fee balance transfer to extend further the "free money" time when I am making more than 5% in RS`s. With high interest rates over the last couple of years there has never been a better time to stooze. My stoozing is up to about £20k.
But only do this if you have the capital to pay off the debt completely before any 0% offer runs out and you have the discipline to adhere to all the T&C`s. Consult the credit card forum on stoozing for further information.

There has been a better time to stooze - about 20 years ago, before the financial crisis. Higher rates in ISAs and lower balance transfer fees than there are now