We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Premium Bond Winner ?

17267277297317321095

Comments

  • MrFrugalFever
    MrFrugalFever Posts: 1,301 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    the more I read the returns the more I think perhaps it’s just not worth it, especially with the rise in easy access saver interest rates?!
    If you believe you can, you will. If you believe you can't, you won't.

    Secured/Unsecured loans x 1 
    Credit Cards x 8 (total limit £55,050)
    Creation FS Retail Account x 1
    Creation Credit Sale 0% x 1 = £112.50pm x 20 mths
    0% Overdraft x 1 (£0 / £250)
    Mortgage Outstanding - £137,707.00 (Payment 13/360)
    Total Debt = £7,400 (0%APR) @ £100pm - Stoozing

  • ranciduk
    ranciduk Posts: 732 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    I would certainly say that nobody should bother with PB’s unless you buy about 20k worth at the least

    otherwise it’s probably better sticking with an easy access account 
  • I was lucky this month.  2 x £25 on £8525.  But with interest rates rising I have pulled them & will stick in Chase. 
  • Class142
    Class142 Posts: 29 Forumite
    Third Anniversary 10 Posts
    My First month in the draw, and first post on the forums after years of lurking.

    Looks like I got really lucky with 4x25 on a full holding.

    How long does it usually take ns&i to pay out your winnings?
  • Swipe
    Swipe Posts: 5,758 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 4 July 2022 at 10:30AM
    Class142 said:
    My First month in the draw, and first post on the forums after years of lurking.

    Looks like I got really lucky with 4x25 on a full holding.

    How long does it usually take ns&i to pay out your winnings?
    Normally 3-5 days if paid to your linked account, a couple of weeks by post
  • ColdIron
    ColdIron Posts: 9,991 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Name Dropper
    It's usually the 8th barring weekends and public holidays
  • Martico
    Martico Posts: 1,195 Forumite
    1,000 Posts Third Anniversary Name Dropper
    £25 from a £4,700 at-the-time holding. 
  • Swipe
    Swipe Posts: 5,758 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Martico said:
    £25 from a £4,700 at-the-time holding. 
    That's pretty lucky
  • Martico
    Martico Posts: 1,195 Forumite
    1,000 Posts Third Anniversary Name Dropper
    Swipe said:
    Martico said:
    £25 from a £4,700 at-the-time holding. 
    That's pretty lucky
    It is - I make it a 1/5 chance from Martin's odds calculator
  • garyelder
    garyelder Posts: 144 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    I’ve taken my full holding out
    my wife also has the full amount going to keep this but only £25 in July 
    seems a waste of time but at least it’s non taxable 
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352K Banking & Borrowing
  • 253.5K Reduce Debt & Boost Income
  • 454.2K Spending & Discounts
  • 245K Work, Benefits & Business
  • 600.6K Mortgages, Homes & Bills
  • 177.4K Life & Family
  • 258.8K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.