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Amnesia10
Legend
Joined: Fri Apr 24, 2009 2:02 am
Posts: 29240
Location: Guantanamo Bay (thanks bobbdobbs)
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You would be doing best to clear any debts rather than have any savings. Once you are debt free then save the excess. _________________Do concentrate, 007... "You are gifted. Mine is bordering on seven seconds." https://www.dropbox.com/referrals/NTg5MzczNTkhttp://astore.amazon.co.uk/wwwx404couk-21
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| Fri Feb 22, 2013 6:45 pm |
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oceanicitl
Official forum cat lady
Joined: Fri Apr 24, 2009 8:04 am
Posts: 11039
Location: London
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If you don't want to just settle for savings there is also Peer to peer lending which seems to be taking off. Thinking about doing it myself. Money SupermarketZopa_________________Still the official cheeky one 
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| Mon Feb 25, 2013 12:10 pm |
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Amnesia10
Legend
Joined: Fri Apr 24, 2009 2:02 am
Posts: 29240
Location: Guantanamo Bay (thanks bobbdobbs)
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Zopa seems like a good idea, though they look like creaming off the best loan risks from banks as they will offer lower loan rates to customers rather than banks. The advantage comes from them being a low cost loan provider. As a potential saver the money is lent in £10 amounts to anyone who fits their risk profile. So someone saving £5000 would have mini loans to 500 people all for £10. There is a loss pool so that people do not lose money so seems to be a sensible solution to the pathetic rates on offer from banks. _________________Do concentrate, 007... "You are gifted. Mine is bordering on seven seconds." https://www.dropbox.com/referrals/NTg5MzczNTkhttp://astore.amazon.co.uk/wwwx404couk-21
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| Mon Feb 25, 2013 10:11 pm |
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oceanicitl
Official forum cat lady
Joined: Fri Apr 24, 2009 8:04 am
Posts: 11039
Location: London
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Which magazine recommends these sites if you want to lend to businesses Thin Cats & Funding Circle_________________Still the official cheeky one
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| Tue Feb 26, 2013 9:04 am |
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jonbwfc
What's a life?
Joined: Thu Apr 23, 2009 7:26 pm
Posts: 17040
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| Fri Mar 01, 2013 1:32 pm |
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finlay666
Spends far too much time on here
Joined: Thu Apr 23, 2009 9:40 pm
Posts: 4876
Location: Newcastle
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Might have a little investment in that after I move house, interest rates from ISAs are pants at the minute so aside from being a rainy day fund I can have some actual investments elsewhere, guessing as its non secondary income if its not taxed as it's earned its a self assessment jobbie which I dont currently do (no benefits past PAYE) _________________TwitterCharlie Brooker: Macs are glorified Fisher-Price activity centres for adults; computers for scaredy cats too nervous to learn how proper computers work; computers for people who earnestly believe in feng shui.
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| Sat Mar 02, 2013 11:31 pm |
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Amnesia10
Legend
Joined: Fri Apr 24, 2009 2:02 am
Posts: 29240
Location: Guantanamo Bay (thanks bobbdobbs)
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I suspect that even so you will still earn more interest than an ISA even with the tax benefits. _________________Do concentrate, 007... "You are gifted. Mine is bordering on seven seconds." https://www.dropbox.com/referrals/NTg5MzczNTkhttp://astore.amazon.co.uk/wwwx404couk-21
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| Sun Mar 03, 2013 2:56 am |
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HeatherKay
Moderator
Joined: Thu Apr 23, 2009 6:13 pm
Posts: 7262
Location: Here, but not all there.
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It seems Nurse Julie is not able to get to work today, so the health centre visit has been postponed. Reverting to Plan B.
_________________My Flickr | Snaptophobic BloggageHeather Kay: modelling details that matter. "Let my windows be open to receive new ideas but let me also be strong enough not to be blown away by them." - Mahatma Gandhi.
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| Tue Mar 12, 2013 9:04 am |
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Amnesia10
Legend
Joined: Fri Apr 24, 2009 2:02 am
Posts: 29240
Location: Guantanamo Bay (thanks bobbdobbs)
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Don't tell the George Osbourne. _________________Do concentrate, 007... "You are gifted. Mine is bordering on seven seconds." https://www.dropbox.com/referrals/NTg5MzczNTkhttp://astore.amazon.co.uk/wwwx404couk-21
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| Tue Mar 12, 2013 10:42 am |
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oceanicitl
Official forum cat lady
Joined: Fri Apr 24, 2009 8:04 am
Posts: 11039
Location: London
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Can't you borrow from a colleague? _________________Still the official cheeky one
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| Wed Mar 27, 2013 12:11 pm |
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EddArmitage
I haven't seen my friends in so long
Joined: Thu Apr 23, 2009 9:40 pm
Posts: 5288
Location: ln -s /London ~
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I suppose I could, but I'd rather not. I'll survive and hopefully learn my lesson.
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| Wed Mar 27, 2013 12:25 pm |
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oceanicitl
Official forum cat lady
Joined: Fri Apr 24, 2009 8:04 am
Posts: 11039
Location: London
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 Phone, keys, wallet, pass. Phone, keys, wallet, pass. Phone, keys, wallet, pass.
_________________Still the official cheeky one
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| Wed Mar 27, 2013 12:47 pm |
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EddArmitage
I haven't seen my friends in so long
Joined: Thu Apr 23, 2009 9:40 pm
Posts: 5288
Location: ln -s /London ~
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Weekend is phone, keys, wallet. I just need to add ticket and pass to create a weekday routine (and probably ticket to the weekend one too)
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| Wed Mar 27, 2013 1:41 pm |
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oceanicitl
Official forum cat lady
Joined: Fri Apr 24, 2009 8:04 am
Posts: 11039
Location: London
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Keep the ticket in the wallet? _________________Still the official cheeky one
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| Wed Mar 27, 2013 2:16 pm |
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HeatherKay
Moderator
Joined: Thu Apr 23, 2009 6:13 pm
Posts: 7262
Location: Here, but not all there.
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I grew up with Radio 2 as the background to my mornings, and evenings. I remember Wogan and Young and Murray, and John Dunn, oh and Wagoners Walk! Then I discovered Radio 4, and loved Just A Minute, The News Quiz, all kinds of comedy and drama, decent news - particularly The World Tonight. Now I ignore them all most of the time. _________________My Flickr | Snaptophobic BloggageHeather Kay: modelling details that matter. "Let my windows be open to receive new ideas but let me also be strong enough not to be blown away by them." - Mahatma Gandhi.
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| Wed Apr 17, 2013 8:10 am |
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