Saving tips and Finances

Sounds good, not sure how it works though, say we go green and neighbours not, do you have to have  different cable. Excuse me for being "thick".

This is not a criticism of your choice Brue. Technology is moving so fast it's hard to catch up with what you can and cannot do, or can or cannot get. 

They source from "green" supplies like hydro-electrics, you pay for that source even if it goes into the general mix. 

 All electricity in New Zealand is hydro, so green, but they use that and petrol/diesel with gay abandon. Don't get me started on plastic wrapping or recycling there 😤😭😤😭😤. They promote their green and pleasant land as paradise but if the carry on the way they do it won't be for long. Pointless

Edit whoops thought this the pointless thread 😮. Put it down to jetlag! Copied onto pointless thread.  Nothing more annoying than wondering what a post said when it now reads 'content removed'

Just beginning to get my head back so sorting out accounts that matured in our absence. Reinvested 2 fixed term accounts with Metro Bank for 1 year fixed term at 1.65%. Other terms available from 3 months to 5 years, rates change accordingly. 

Now have to look at our Virgin matured accounts including ISA's. Metro Bank offering fixed term 1 year 1.25% and longer terms with higher rates. If you have Nationwide accounts they are offeing 1.4% variable on ISA with one withdrawal in 12 months. Virgin rates not looking so good.

Much to ponder over this weekend.

checked Principality, 5 yrs fixed cash ISA was just over 2%, guess where we are going Monday.

Hmmmm Principality a Welsh building society? I'm hoping for decent increase in rates starting very soon 😉. Mind you at 0.25 at time it make take awhile 😢

For a 5 year fix, we would hope for a fair bit more than 2%, inflation must be over that now.

We have a 1 year Nationwide @ 5% but only on £2500, then instant access BOS 2% on up to £30k between us.  Lloyds the same on £15k.

TSB give us 3% on up to £9k, and Santander is 1.5% on up to £20k each, maybe more.

As OH pays no tax, most is in her name, plus I can have £1k interest tax free.

Keeping an eye on Metro Bank, also useful when abroad.

We have NS&I finishing in May, then several up to 5% monthly savers through to October, so OH is busy organising accounts to receive those.

The new Grandson will be given what the existing 2 grandchildren have, so we need to sort that after this trip, that will use up our IHT gift allowances for this year.

Working hard to exit this life with very little left!

Keeping an eye on Metro Bank, also useful when abroad.

Yes I saw free European use on their screen whilst doing our business. We have Nationwide allowing free use worldwide. 

I agree I'd want more 2% for 5 years, quite like Nationwide loyalty ISA at 1.4 % variable so any rate rise would hopefully be passed on. Added bonus of 1 withdrawal a year. I don't currently pay tax but would prefer to retain tax free savings just in case 😮 I qualify to pay tax again 😢. 

Had 3 x 5% savers mature since January, reopended 2 but can only put £250 per month as against last year's  £500 😢. Got one more to do online this weekend.

OH reckons the annual ISA allowance has gone up so much since we last had them that it would not take us long to get most of our cash back into ISAs, meantime we get more return with these other accounts.