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The Top Regular Savers Discussion Thread
Comments
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FYI @Bridlington1 two of the links to
The Top Regular Savers Discussion Threadin the monthly summary post go to the old thread rather than the current one :)(Also on p1 of this thread, Manchester BS RS Issue 1 is marked as being openable in branch & online, but it was changed at some point to being openable in branch only I believe)
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Thanks for bringing this to my attention, in that case quite a few of the monthly updates will have incorrect links as they'll be error carried forwards, it seems I updated some but not others. I'll go through and update them now.
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Suffolk BS, I had an online regular saver mature on EDIT 30th Sept and interest was added. On the EDIT 1st Oct the money, over 3,800, has been transferred to a "Online Maturity Holding Account" at only 1.6%AER. There are no options online that I can see to request a transfer. I did send a PM on the 2nd but not been answered yet.
It seems I missed the usual email or letter that reminds me to login and requested money be sent to my linked account at maturity (2 weeks before maturity date).
UPDATE: I phoned, they picked up straight away, and yes I seem to have missed logging in and setting my maturity instructions. All sorted over the phone very quickly, money should arrive tomorrow.
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Think you're in a timewarp a month ahead of the rest of us.
Make £2026 in 2026
Prolific £231.51, Octopoints £4.60, Tesco Clubcard challenges £38.80, Airtime £10 TCB £225.19, Everup £77.04, Roadkill £1.77, Zopa CB £30, Misc £10.11,
Total £629.02 31%Make £2025 in 2025 Total £2241.23/£2025 110.7%
Prolific £1062.50, Octopoints £6.64, TCB £492.05, Tesco Clubcard challenges £89.90, Misc Sales £321, Airtime £70, Shopmium £53.06, Everup £106.08, Zopa CB £30, Misc survey £10
Make £2024 in 2024 Total £1410 70%Make £2023 in 2023 Total: £2606.33 128.8%1 -
I think (to avoid confusion) that the Suffolk online RS you are referring to matured on 30th September I had the same one and had entered maturity instructions in advance. I may be wrong, but I don't think Suffolk BS alert you to advise that maturity options are now available on line, you just have to check when you have a maturuty date coming up.
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I had a spreadsheet error yesterday and found that a Principality Christmas had been removed from the list - £1950 and must have been removed during the Principality cull a couple of months back. But not as good as finding £5K.
But what worries me though is that I have a plastic folder and sometimes just a plastic sleeve with paperwork for each building society or bank. These I check once a month in some sort of methodical fashion whilst updating the spreadsheet. Some though I have no paperwork at all for so these just updated at the end when I realise a line is missing eg Buckingham so I need to print something off or get them to send me some paperwork so I can start a plastic sleeve - less likley to get missed then.
“Create all the happiness you are able to create; remove all the misery you are able to remove. Every day will allow you, --will invite you to add something to the pleasure of others, --or to diminish something of their pains.”1 -
I did receive a reminder saying that my account was maturing and that I needed to login and provide instructions...
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Or you could just write something on a piece of paper to put in your plastic sleeve until/in case you recieve no formal paperwork.
Make £2026 in 2026
Prolific £231.51, Octopoints £4.60, Tesco Clubcard challenges £38.80, Airtime £10 TCB £225.19, Everup £77.04, Roadkill £1.77, Zopa CB £30, Misc £10.11,
Total £629.02 31%Make £2025 in 2025 Total £2241.23/£2025 110.7%
Prolific £1062.50, Octopoints £6.64, TCB £492.05, Tesco Clubcard challenges £89.90, Misc Sales £321, Airtime £70, Shopmium £53.06, Everup £106.08, Zopa CB £30, Misc survey £10
Make £2024 in 2024 Total £1410 70%Make £2023 in 2023 Total: £2606.33 128.8%3 -
RS Spreadsheets:
I update my spreadsheet as and when I open/close a new regular saver, or if I'm away from my spreadsheet then I'll update it that night when I'm updating the RS lists for this thread. To my knowledge I haven't missed one off that tab.
The only errors tend to come from forecasting cashflow across months as I'll list the types of RSs and the combined amount, e.g. I have "6%+ (NWDs only)" listed for 1st November as that's the amount I'm expecting to pay into RSs that are strictly greater than 6% on 1st November, if I open new RSs throughout the month this figure may become out of date, though I double check my figures throughout the month anyway so it isn't usually an issue for long.
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See this is how I make mistakes!, will update dates in my original post
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