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“ Thanks Zagfles, but I'm confused. What's the annual allowance that can be carried forward then? If my wife earns 15k a year, how much can she put into her pension this year with any allowances taken into account? <a href="/showthread.php?p=72200803#post72200803" rel="nofollow" title="View o...

Certainly roll them over. Personally I am rolling each of mine as they come up into 3 year.



Yes 5yr might be better but I'm into this habit now (I have 80 different accounts)



I do wish they'd go back on sale but I can't see that happening for quite a while.

See <a href="http://forums.moneysavingexpert.com/showthread.php?t=5005862">http://forums.moneysavingexpert.com/showthread.php?t=5005862</a> for a discussion about using the interest bearing accounts to get a reasonable (in these days) amount of interest. <a href="http://bankaccountsavings.co.uk/" re...

I would put £250 per month into a TSB monthly saver and £500 per month into a Nationwide Flex Regular saver. If you take that £750 from your Santander 123 account you will give up 3% interest on £750 but the rest of the balance in Santander is still earning interest at 3% (assuming you have not ...

“ Thank you for your reply I will make that a ritual on the first of each month to skim the top of pool, so to speak I am already getting 5% from the TSB acc I have, can I open another high interest savings account with them? On a side note, I really should look at actually spending from this...

“ Why can you not do an HTB ISA? <a href="/showthread.php?s=3036385c25683f06b8cb9955b5233a43&p=69981820#post69981820" rel="nofollow" title="View original post">Originally posted</a> by colsten ” Perhaps the OP is not a first time house buyer so would not qualify. I echo the various ...

“ I very recently came into a lump sum after the sale of my house. Rightly or wrongly I have paid off my CC and ODs. So now I am looking for suggestions on how to keep a healthy bank balance. ... I did have a couple of points when I started this post, but my rambling as made me lose them.<img...

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