The Top Regular Savers Discussion Thread

Slinky

https://forums.moneysavingexpert.com/discussion/comment/82160607#Comment_82160607

Must have missed it as there were hundreds of unread comments on this thread when I got back.

s71hj

I'm finally getting round to doing a spreadsheet (with the help of ai) can anybody suggest useful tabs to have that I may not have thought of but will regret not having!!!

KneadtheDough

https://forums.moneysavingexpert.com/discussion/comment/82160045#Comment_82160045

Monmouthshire regular saver 9 

No problems here: I had my first payment accepted at the end of last week, credited the day after (I think) I sent it.

Born2Save_3

https://forums.moneysavingexpert.com/discussion/comment/82160864#Comment_82160864

A few suggestions, some may be more involved than others, and all are just from thought as I run a text file, no sophisticated spread sheets :

* Hide the truth - a tab to switch to when you don't want another person to see what you're really working on or see the amounts of money involved
* For the taxman - depends on how much annual interest you make; numbers for your self assessment
* Statistics - Monthly closures / maturities vs new opens;
+ number of accounts and money capacity breakdown by rate i.e. 8%A+, 7.5%A to 8%A, and so on;
+ monthly / annual / other period total profit;
+ current mean / average interest rate across all RS or combined EA and RS;
+ graphs of the previous;
* Predicted interest - combining your EA rate and RS rate for the amount invested
* Actual interest - what you've been paid and do your own calculation to verify; don't trust what you're paid to be right
* Withdrawal plan - if you need cash currently in RS, where and how you will get it out for the amounts needed
* Maturity notifications - Account, when by, action, done, accepted
* Relationship maintaining - Accounts you will use / have to keep a relationship with an organisation as they didn't offer an RS good enough
* Prospective accounts - accounts you've seen on moneyfacts / elsewhere that you're interested in and may apply for
* Prospective organisations - Relationships / accounts you'd like to open in expectation / hope of gaining some member privilege; maybe a member RS or good EA or something else
* Missed opportunities - RS you missed and why and what you can do to gain if offered again
* Passbook and Envelope locations - Where you have kept your passbooks and postage paid envelopes
* Telephone calls / other communication with organisations - When, who with, what about, outcome/actions. anything else important to you
* Complaints - organisation, interactions, outcome, escalation to ombudsman
* Log in / app use keep alive - for online access you rarely use, when you last used it and a reminder to use again by a certain time to keep it alive for when you need to use quickly to open an account
* Organisation persuasion - for when you're speaking to an organisation that doesn't offer RS currently, a list of points why it would be beneficial for them and their current and future customers to offer a good RS

HTH