Is this possible?

ValiantSon · 4 January 2018 at 8:24PM

mgdavid wrote: »

only in the opinion of 'some bloke on the internet'.
Not in the opinion of 'some other bloke on the internet'.
Alternative views are available....

Really?

You genuinely think that this wasn't a condescending comment? If that is so then I hope you have no responsibility for educating or training anyone.

As the OP has thanked me for my comment I guess that she found it to be rude too.

Katiehound · 4 January 2018 at 11:18PM

I was going to suggest that a TSB classic plus a/c may be a good idea too (especially if you can switch and get that cash bonus)
Maybe think about that for the future as it pays 3% on £1.5K and I seem to think there are bonuses each month if you fulfil the t&cs. (Don't know this exactly as I have the older a/cs- I have to pay in £500 per month)You do need 2 x DDs though.

WibblyGirly · 4 January 2018 at 11:21PM

Katiehound wrote: »

I was going to suggest that a TSB classic plus a/c may be a good idea too (especially if you can switch and get that cash bonus)
Maybe think about that for the future as it pays 3% on £1.5K and I seem to think there are bonuses each month if you fulfil the t&cs. (Don't know this exactly as I have the older a/cs- I have to pay in £500 per month)You do need 2 x DDs though.

Thanks! I need to wait until I'm not a student and have paid off my overdraft before switching anywhere but It's on my to do list!

WibblyGirly · 4 January 2018 at 11:25PM

ValiantSon wrote: »

Really?

You genuinely think that this wasn't a condescending comment? If that is so then I hope you have no responsibility for educating or training anyone.

As the OP has thanked me for my comment I guess that she found it to be rude too.

I'm just ignoring him. I find it kinda sad that instead of helping or even staying quiet, people get kicks out of being rude. Does it make them feel better? Superior perhaps? Everyone has different life experiences and some people take longer than others to figure things out. Fortunately there are more nice people on here than rude ones. I've had loads of help in this thread and I've already taken steps to better my financial situation.

ValiantSon · 4 January 2018 at 11:50PM

WibblyGirly wrote: »

I'm just ignoring him. I find it kinda sad that instead of helping or even staying quiet, people get kicks out of being rude. Does it make them feel better? Superior perhaps? Everyone has different life experiences and some people take longer than others to figure things out. Fortunately there are more nice people on here than rude ones. I've had loads of help in this thread and I've already taken steps to better my financial situation.

I'm glad that it hasn't put you off asking for help in the future.

I agree that you have had some great replies. There isn't really anything I could add as everything I would have said has been (and more).

Best wishes.

MABLE · 5 January 2018 at 9:43AM

ValiantSon wrote: »

The whole tone of post was rude and condescending.

You may well have understood these things when you were still a child - congratulations - but not everyone does and it is so much better to politely explain, rather than make snide condescending remarks. The post in question did nothing to improve the OP's understanding, but instead just mocked them.

May be so but learn from an expert. The poster in question knows his stuff.

gatters · 5 January 2018 at 7:08PM

WibblyGirly wrote: »

Thanks! I need to wait until I'm not a student and have paid off my overdraft before switching anywhere but It's on my to do list!

Your regular savings to LISA plan seems appropriate but I'd expect paying off your overdraft as soon as it is not 0% would be prudent.

enthusiasticsaver · 5 January 2018 at 7:21PM

WibblyGirly wrote: »

I'd like to take advantage of the 5% interest on the Nationwide current account. It requires me to pay in £1000 a month minimum. I'm a student, I don't work at the minute but I do have plenty of savings to live off until I get a job (hopefully June!) :T

Can I, in theory, transfer £1000 (or however much up to £2500) from an account from another bank to that one, leave it a few days to get the interest, then transfer it back out? Do I have to use the account as an actual one? Not just for the interest? Can I send money between multiple accounts like this to get interest or will it look dodgy when I come to apply for a mortgage?

I'm going in anyway to ask as I want to try get their student account which has a bigger overdraft than mine which I can then add to my LISA before end of tax year.

Thanks!

A cautionary word re “free” student overdrafts. They can be withdrawn with just a few months notice and at some point you will be charged for it once you are no longer a student. Many people have been sucked into using these and then suddenly hit with charges once you graduate. Best avoided IMHO

ValiantSon · 5 January 2018 at 7:36PM

MABLE wrote: »

May be so but learn from an expert. The poster in question knows his stuff.

Knowing what you are talking about doesn't excuse someone for being rude. If he genuinely wished to share his knowledge and understanding then he could have done so in a positive and friendly way. He did not, however, and instead chose to mock and belittle the OP. In fact there was nothing helpful in his post even after wading through the condescension and rudeness.

There is no excuse for that kind of behaviour.

WibblyGirly · 5 January 2018 at 9:58PM

I have another 2 years of my overdraft being free

I do plan to pay it off asap though when I'm working as I'll likely be earning twice what I was when working low paid retail. I'm going to pretend I'm still on retail wages while putting the rest away.

Is this possible?

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