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Clockwatcher Posts: 40 Forumite

29 January 2008 at 12:07PM in Savings & investments

Hi I was hoping for a little bit of advice, I've been reading all the old threads and martin's articles, but I'm a little bit different, so heres hoping you guys can help.

I'm currently doing a second degree, and working part time, as of March I'm getting a pay rise so will be over the tax allowance, I have a £38k mortgage and £20k savings.

My savings are currently with ING- Yes I know the rate is pants.;)
I've just opened an ICICI account for the main part of my savings, and planning on opening and ING ISA for the 6months bonus rate. I want to keep about £10K in an easy access account as I need to do up my kitchen and bathroom and have some easy money in case of emergencies, but am happy enough to tie up the rest for a while.
I've been looking at the ICICI term deposit account for a 1yr fix and possibly the AngoIrish, Northern Rock or IceSave Bonds.

Does this seem the best way to play with my cash, or should I consider a maxiISA? I don't really know enough about the stock markets to go for the maxi, but am always happy to learn to make more money!!

Thanks in advance guys.

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