What do I do with my money?

ade1982

Dear all,

Having read all the advice here and not being able to consume all the information fully, I thorw myself on your advice.

Currently, I have

• Halifax ISA Saver - £13,000
• a 2 year fixed (I can't touch without losing interest) Web Saver with the Halifax, with about £1,700 in it,
• a stocks and shares ISA, which I have put £1,270 in, and is worth £1,255 (lost money). I was putting in £250 a month, but after continually losing money in a rather volatile market, I'm putting away just £20 a month now
• another ISA with about £3,400 in with Barclays
• and a high interest current account that my wages go into with currently £900 in it.

I have maxed out my ISA this year, and I can afford to put around £900 away every month.

I don't need to access the money for what I anticipate is about another 2 years, to buy a house, or whatever. I don't mind having to give notice to obtain money, but the shorter the better obviously, and I require at least the ability to view the balance over the internet. I am not one for taking massive risks, particularly with money, and although I don't mind opening a few accounts that are managable, I don't want to go nuts and have an account open at every bank.

What should I do?!

Many thanks in advance.