saving accounts

[chrichvtr]

does anybody know any good savings accounts with no catches etc.?
Some info on what I would be looking to do

I am 18
looking to put £20 a week away
currently with alliance and leicester
would want the savings to be transacted from my interent banking account straight to the savings
not after no amazing interest rates etc something that just has no gimics and i get back what i put in my account!!!


thats all i can think of about now i just dont know which would be best to do

is anyone with alliance and leicster that has a good savings scheme set up with them or is it better to set up a savings scheme elsewhere!!

[Raz]

ISA saving account with Halifax buddy :y:

interest free, and you be putting about £100 max in a month, will be good for ya

[chrichvtr]

ISA saving account with Halifax buddy :y:

interest free, and you be putting about £100 max in a month, will be good for ya

cheers mate some reppage there for ya!!

[chrichvtr]

other comments welcome though1!

[Scattle]

got a savings account on hsbc, not sure exactly lol, get 5 pound interest every few months.

[Danr]

Go and speak to some banks mate.

I'm sure www.moneysupermarket.com has a comarable part on the website :)

[Raz]

by the way Matthew, i would go with a different bank....

imo opinion the best for savings is Halifax...juts from personal experience

EDIT - thanks for rep dude :y:

[chrichvtr]

by the way Matthew, i would go with a different bank....

imo opinion the best for savings is Halifax...juts from personal experience

EDIT - thanks for rep dude :y:

no worries is it ok to set up a savings account with halifax yet keep my current account with A&L as it is with me setting up online money transfers?

[laura_g]

other comments welcome though1!

coward :p

[Chico999]

I want to open up a halifax ISA too!
Is it possible to lock it until a certain date if u c wot i mean?

[Raz]

yes you can have two banks so to speak.....nothing wrong with it....im with HSBC right now, and have been since i was 13.....ive got a halifax ISA savings account aswell :y: and ive had no problems....

[Dez]

do a search on money supermarket and that will find the best deal for your personal circumstances! :clapping:

[Raz]

ISA is perfect for him....he get what he puts in, gets what he puts in out, plus a little interest halifax put into it.....

[chrichvtr]

ISA is perfect for him....he get what he puts in, gets what he puts in out, plus a little interest halifax put into it.....

your getting repped again in a minute mate sorted set one up with a weekly standing order going out the bank until i state otherwise :)
starting from today now I will just leave it and forget about it :)

great account as you can take out money if need be whereas a lot of others dont allow it!! untaxxd etc mint mate cheers

just got to await password in the post so then i can keep my eye on it :)

[laura_g]

what bout my rep matt

[chrichvtr]

cant rep at the minute!!! and when i do raz is getting it he helped me out you just called me a coward lol

[laura_g]

cant rep at the minute!!! and when i do raz is getting it he helped me out you just called me a coward lol

you asked for my opinion :p

[chrichvtr]

you asked for my opinion :p

yeah and there was no comment but coward shush anyway you spammer the admin are having to work hard this xmas period just cause of you and your big mouth :p

[laura_g]

yeah and there was no comment but coward shush anyway you spammer the admin are having to work hard this xmas period just cause of you and your big mouth :p

sorry :( :( :(

[chrichvtr]

good no hugs tho you deserve it you :hijack:

[laura_g]

good no hugs tho you deserve it you :hijack:

its over then matthew :p

[Raz]

laura does have a big mouth...she needs to ;)

honestly mate....ISA is what ya need, untaxed money and get interest every few months from what i remember.

aint been able to save due to buying a new car, selling the other etc etc

[laura_g]

a trooper needs a big mouth lol

[Raz]

a trooper needs a big mouth lol
a trooper does indeed....but a trooper doesnt need a savings account :P

[laura_g]

nopes exactly

[Raz]

nopes exactly
ISA is the best saving account to get if you in the same boat as chrichvtr....

[chrichvtr]

laura does have a big mouth...she needs to ;)

honestly mate....ISA is what ya need, untaxed money and get interest every few months from what i remember.

aint been able to save due to buying a new car, selling the other etc etc

ive got one mate!!! thanks a lot dude il rep ya when i can you deserve it!!!

the thread can be deleted now before laura spams it!!!!

[minxymears]

yeah as said mate yo want a mini cash isa, with any bank really, you should be lookin at between 3 and 5 pc interest

[Raz]

ive got one mate!!! thanks a lot dude il rep ya when i can you deserve it!!!

the thread can be deleted now before laura spams it!!!!
pm a mod to close it or whatever..

[brooksy22]

I wouldnt use halifax had loads of problems with them myself

[Raz]

I wouldnt use halifax had loads of problems with them myself
using ISA account or actually banking with them?

i use the ISA account and its fine with me....had it 4 years or something

[Wayne]

i'm with barclays, pretty good company:y:

[nazz1]

get a credit card(interest free for 6 months)

withdraw and put 6 months worth of £20 per week in or more

and then pay back on your credit card

[laura_g]

credit card are the worst thing you can do really

[Raz]

credit card are the worst thing you can do really
agreed with you there Laura.....credit cards a big no-no for me

[laura_g]

spending money you havent got nooooo way

[chrichvtr]

credit card are the worst thing you can do really

there not if you use them right they get you good credit ratings etc!!

i would have a credit card they are as good with you as you are with them however i am not in contrl of my money enough to have a credit card id get myself into debt by buying stuff i cant afford

[boz]

give your money to me, i will look after it for you ;)

on a serious note, i have a few accounts

i have an ISA
i have an account with tesco and an online account with ING.
you can only put so much in an ISA per a year.

you can open a savings account and have them put a withdraw limit on it, they will say that they can give you X% interest per annum if you dont with draw any money, then you can have them setup a time period of say 30 days notice for any withdrawls. you may only be allowed to withdraw once per annum without any penalty. if you withdraw more, they will pay less interest. works well if you really want to save and stop yourself just taking money out for daft things ;)

once you are loaded, invest your cash into the forestry industry abroad, every one is in need of paper. you get a good return ;)

i also have an account abroad, wont say where or who with as spys my be reading this, but it has its advantages ;) lol

[boz]

spending money you havent got nooooo way

how are you going to buy a house then?? ;)

[laura_g]

there not if you use them right they get you good credit ratings etc!!

i would have a credit card they are as good with you as you are with them however i am not in contrl of my money enough to have a credit card id get myself into debt by buying stuff i cant afford

you just contradicited yourself there :oops:

[Raz]

give your money to me, i will look after it for you ;)

on a serious note, i have a few accounts

i have an ISA
i have an account with tesco and an online account with ING.
you can only put so much in an ISA per a year.

you can open a savings account and have them put a withdraw limit on it, they will say that they can give you X% interest per annum if you dont with draw any money, then you can have them setup a time period of say 30 days notice for any withdrawls. you may only be allowed to withdraw once per annum without any penalty. if you withdraw more, they will pay less interest. works well if you really want to save and stop yourself just taking money out for daft things ;)

once you are loaded, invest your cash into the forestry industry abroad, every one is in need of paper. you get a good return ;)

i also have an account abroad, wont say where or who with as spys my be reading this, but it has its advantages ;) lol


i think £3000 is the limit, not to sure

he is on about putting £20 a week away, £80 a month, will be fine for him :y:

[chrichvtr]

you just contradicited yourself there :oops:

read it again

the first sentence was credit cards in general some people are really good with them

the second sentence was about myself and how i would have a credit card but cant trust myself at this moment in time

dickhead!!! :)

[laura_g]

read it again

the first sentence was credit cards in general some people are really good with them

the second sentence was about myself and how i would have a credit card but cant trust myself at this moment in time

dickhead!!! :)

whats got into you today :panic:

[chrichvtr]

i think £3000 is the limit, not to sure

he is on about putting £20 a week away, £80 a month, will be fine for him :y:

yep its fine for what i want can withdraw unlimited amounts of time wont want to anyways its just so this time next year i have near on a grand in the bank to start the year off sweet for the sake of 20 quid a month which i can waste on gambling if im bored easily!!!

[boz]

aye, im sure its 3 or 4k a year. they did change it a while back.

you could just stick it under ya pillow lol

i have a big jar that i bang any copper and silver into, if im feeling flush or have been out on the lash and have a pocket full of £1s and £2s, i put them in the pot too.

me and the missus were at asda once and took the pot to the machine thing they have there, im not joking, we were there 45mins and got a fortune out of that pot! lmbo its a good way to save a wee bit extra.

I STILL THINK HE WILL BE BETTER OFF GIVING IT TO ME TO LOOK AFTER ;)

[chrichvtr]

aye, im sure its 3 or 4k a year. they did change it a while back.

you could just stick it under ya pillow lol

i have a big jar that i bang any copper and silver into, if im feeling flush or have been out on the lash and have a pocket full of £1s and £2s, i put them in the pot too.

me and the missus were at asda once and took the pot to the machine thing they have there, im not joking, we were there 45mins and got a fortune out of that pot! lmbo its a good way to save a wee bit extra.

I STILL THINK HE WILL BE BETTER OFF GIVING IT TO ME TO LOOK AFTER ;)


set up a paypal and i will ;)

lol

yeh i do that too and that normally gets me a couple hundred quid in change pisses the post office off when i ask them to change it but then they have plenty of change :)

[chrichvtr]

whats got into you today :panic:

nothing im fine its you biatch:P

[Raz]

nothing im fine its you biatch:P
ooooooooooooooooooooooooooooooooooooooooooooooooo

think Matthew is 'on' tbh :P

[laura_g]

nothing im fine its you biatch:P

il fuck off then i know when im not wanted

[boz]

ASDA mate, its where it all goes down. you bang the coins in the machine, it even sorts them out for you. then it gives you a ticket, you take that to the baccy desk and they show you the money ;)

i think the machine takes a wee bit off you for doing it.

[boz]

its the cockle breath ;) lmbo sorry, i couldnt resist

[Raz]

il fuck off then i know when im not wanted
Laura....stay, your making the thread funny :P :y:

[laura_g]

better then the fish dick

[chrichvtr]

ASDA mate, its where it all goes down. you bang the coins in the machine, it even sorts them out for you. then it gives you a ticket, you take that to the baccy desk and they show you the money ;)

i think the machine takes a wee bit off you for doing it.

i went to ladbrokes before and put loads in that in tens and pounds and that and press collect with 200 quid winnings on woooop!!!

lol

[laura_g]

Laura....stay, your making the thread funny :P :y:

thanks :hug:

[chrichvtr]

better then the fish dick

you turn the dick into the fish dick so dont moan!!!!

[laura_g]

you turn the dick into the fish dick so dont moan!!!!

er no go and have a bath

[laura_g]

matthew tell me how is both cheese and fish possible on one dick without a girl aswell

[boz]

Too Far!

[boz]

matthew tell me how is both cheese and fish possible on one dick without a girl aswell

tin of tuna and some dairy lee, act out the scene in american pie mius the pie, come on lass, use your imagination ;)

[chrichvtr]

matthew tell me how is both cheese and fish possible on one dick without a girl aswell

only had the problem after you but im not sure about the without a girl bit?

[Raz]

only had the problem after you but im not sure about the without a girl bit?
this thread is going to turn ugly...i can see it now....

[laura_g]

i no i stop now he clearly dont like me so

[boz]

now now this is about money, not wee smelly sausage and smelly fishy bits

[laura_g]

sorry guys neways yeah go for a saving account that means you cant go into it

[Raz]

now now this is about money, not wee smelly sausage and smelly fishy bits
agreed lol ISA ftw!!

[laura_g]

its ok were friends now wahoo

[Raz]

its ok were friends now wahoo
a pm of each others private parts doesnt count as 'making up' :P

[laura_g]

lol whatever raz im not like that

[Raz]

lol whatever raz im not like that
i know, but matthew is :P only playing matthew :y:

matthew, keep us informed with the savings account :P

[laura_g]

lol his name isnt even matthew hehe

[Raz]

lol his name isnt even matthew hehe
so....sounds good :P

[laura_g]

its dixie really

[chrichvtr]

laura why do you act so innocent when you obviously are not!!! lol

and as for the savings mate i have set up the halifax account the second you told me :)

max of 3 grand around 5 percent interest no tax on my savings and have a standing order set from my account of £20 a week so i will have £960 saved in a year plus interest which takes it just short of 1 grand so perfect for me mate!!!

thanks il rep ya again when i can :)

[laura_g]

lol i am innocent though

[Raz]

laura why do you act so innocent when you obviously are not!!! lol

and as for the savings mate i have set up the halifax account the second you told me :)

max of 3 grand around 5 percent interest no tax on my savings and have a standing order set from my account of £20 a week so i will have £960 saved in a year plus interest which takes it just short of 1 grand so perfect for me mate!!!

thanks il rep ya again when i can :)

it is good for you buddy :y: glad i could help

lol i am innocent though

oh be quiet :P

[laura_g]

it is good for you buddy :y: glad i could help



oh be quiet :P

you dont even know me though so :P

[chrichvtr]

you dont even know me though so :P

he does after i shown him them pics of you!!!

[laura_g]

he does after i shown him them pics of you!!!

what pictures dixie

[chrichvtr]

the ones of you and the rocking horse

[laura_g]

the ones of you and the rocking horse

must be a mistake there :homme:

[chrichvtr]

http://www.advocateinsider.com/images/2007/04/28/rocking_horse.jpg

laura loops on my waterproof rocking horse for the winter days!!!

now you cant deny it!!!

[laura_g]

lol your gettin me into trouble with this you know

[AntDoGG]

A good savings account that HSBC does is...Regular Saver, you can't get to the money for a year..but you get an interest rate of 8% and all you need to do is set up and standing order to pay the account every week and thats it.

[Raz]

A good savings account that HSBC does is...Regular Saver, you can't get to the money for a year..but you get an interest rate of 8% and all you need to do is set up and standing order to pay the account every week and thats it.
chrichvtr i think was wanting a savings account where he can go into should he need to, when he wants to.....if he came into financial difficulty then he has nothing to fall back on because he cant get into his saving account.....

[chrichvtr]

A good savings account that HSBC does is...Regular Saver, you can't get to the money for a year..but you get an interest rate of 8% and all you need to do is set up and standing order to pay the account every week and thats it.

cheers mate does sound good but as ras said sometimes i may need to break the bank

[Raz]

cheers mate does sound good but as ras said sometimes i may need to break the bank
chrichvtr - its Raz...with a z, zed, zeeeee lol

[laura_g]

z for zulu

[chrichvtr]

chrichvtr - its Raz...with a z, zed, zeeeee lol

type error dude

[Raz]

type error dude
lol i know lol so when do you get to put money into your new account?