Some places give you a flexible ISA so you can replace the amount you’ve taken out as long as it’s in the same tax year and it doesn’t count as part of your 20k. Probably not a concern for you given you said you can’t reach 20k anyway, but just thought I’d raise it.I did it on mine a few years ago to “borrow” money from myself to pay down the mortgage and replace it later through salary as I wanted to make a last ditch attempt to overpay within my 10% allowance before the end of my mortgage year.
Well done on your overpayments throwaway, even if one was due to a sad event xI read your opening post and can definitely identify with not knowing what to do for best and then doing nothing. It’s nice to see you’re making progress
I know I said no more overpayments but we have snuck two more in.
It will rise to 1.40% from June
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Via app. Selected May dates