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cashoverhoes

Savings

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Just wanted to know how people are going about saving for their future and how much they have saved up. Im 28 working full time got roughly £31000 saved up looking to invest in a property in a year or two to add to my portfolio. In order to get their quicker working as many hours as possible and trying to cut out unnecessary expenses,

 

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I save 25% of everything I earn.

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fuck saving

pay down mortgage every month with over payments

a few isas as back up

pension 

x1 long term investment 

reacquire bigger property 

 

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Ive technically been in debt my entire adult life so saving is a contradiction 

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5 hours ago, Afgoon said:

fuck saving

pay down mortgage every month with over payments

a few isas as back up

pension 

x1 long term investment 

reacquire bigger property 

 

you have ISAs a pension and an investment but youre not into saving?

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7 hours ago, Afgoon said:

fuck saving

pay down mortgage every month with over payments

a few isas as back up

pension 

x1 long term investment 

reacquire bigger property 

 

That is essentially saving though.
Doing the same.

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5 hours ago, QPR Dee said:

you have ISAs a pension and an investment but youre not into saving?

Guys chatting shit 

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thought ISAs were useless these days?

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Regular savers > ISAs atm 

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yeah but you can't dump a big amount in there

spread it out between different 3+% current accounts, Tesco, HBOS, Lloyds, TSB, Nationwide - then drip feed into the regular savings (5% from HSBC, First Direct, Santander, M&S, etc)

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On 24/11/2016 at 1:43 PM, dub said:

yeah but you can't dump a big amount in there

spread it out between different 3+% current accounts, Tesco, HBOS, Lloyds, TSB, Nationwide - then drip feed into the regular savings (5% from HSBC, First Direct, Santander, M&S, etc)

But you can have multiple regular savers

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I need to look at other regular savings accounts.  HSBC recently sent a letter saying they are cutting interest rates on savings accounts again.

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moneysavingexpert is the go-to for all that info

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santander do the highest interest right now! and yes its good to have an ISA if you got the money just fill it up and leave it and use your savings 

I have two savings accounts full up and a ISA 

earn £1000 interest on it, dont touch it cause i cant buy a house right now 

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