Those aged 21-25, how much have you saved?

Actually I m with lloyds and have been a couple of years, they declined me for a student credit card last year when I d been reasonably using my overdraft in that time so I m not overly confident in them (although my partner had no issues in getting one so my one thought is that they weren't comfortable with two people at the same address having one) .

I did ask customer services whether I would be able to get one with a part time income and they told me they can't answer that and that i d just have to apply and see, but with a rejection last week I can't help think that it ll be a no.

Credit Cards are an issue for young people trying to build a credit rating.

Maybe get a joint one with your parents if possible? It's better than nothing.

Also, give it 6 months as your rejection will appear on your record for now - nothing to worry about, you just don't want too many rejections in a short space of time.

Hopefully you get one soon. You can even try capital etc - these guys are extortionate so please make sure you never pay any interest - but it might be a worthy alternative if looking to build up some credit rating

That's really good. What are you working as?

Im a crew trainer at mcdonalds.
Ive worked in a couple of nurseries as well over the years (thats what im qualified to do). I had 2 jobs for a while as well.

Not shaming the maccys job as it's clearly worked for you, but did you just not enjoy working at nurseries?

~£60k (I'm 24 and live at home now, so at the upper end of your interval)

Santander 123 is 3% interest up to £20k so that's full up and decent considering current interest rates.
TSB classic account is 5% on the first £2k.
Rest is in ISAs and a little bit in Help to Buy ISAs.

Sad thing is £60k is nothing when you're trying to buy a house in Greater London.

Keep saving, you'll need it!

Im a bit of a tight wad, lol.
I didnt go to uni either so that helped.

I enjoyed working at the nurseries and am thinking of going back into it. But at the first one i was technically only bank staff (even though i was doing 4/5 days a week, sometimes 10 hour shifts). That nursery was the reason i kept mcdonalds on just or 1 day a week in the first place, just in case my hours went down or anything. I loved that nursery but there just wherent any permanent jobs going at the time. I got the job at the second nursery, which ended up being the worst nursery ever. Basically they had had ofsted in 3 weeks before i started, got "inadequate" which is the worst rating possible. I started as the s**t hit the fan. The manager and her husband owned the place, and the manager was constantly vile to the staff for no reason. We didnt see her husband much. He seemed a nice bloke and all that but i always thought he was the smarmy type. In the 16 months i was there, including me- 24 staff left. When maccies offered me the chance to go back full time i jumped at the chance.

Slightly personal question so don't answer it if i m crossing a line here, but doesnt the 3 current accounts do your credit rating some harm?

Having multiple current accounts and multiple credit cards doesn't affect your rating. What does affect it is the age of the accounts. The average age of your combined accounts should be over 33 months and ideally not too deep into overdrafts. Having access to high credit is also a positive thing. Having most of this credit in-use however, is not.

Basically, I'm trying to find out what to do with my savings and whether there are any out there also saving big when young.

I decided to move home after uni. Family home is in London, cannot see any reason to move out other than for freedom. Unfortunately, unlike many others, I don't value freedom at £8-10,000 a year.

But those who have graduated, what are yo doing with what you are saving? Are you just keeping it in the bank? Help to buy ISA? Investing?

Would be good to get a discussion going.

Lol I tell ya but then try elsewhere..?

Basically, I'm trying to find out what to do with my savings and whether there are any out there also saving big when young.

I decided to move home after uni. Family home is in London, cannot see any reason to move out other than for freedom. Unfortunately, unlike many others, I don't value freedom at £8-10,000 a year.

But those who have graduated, what are yo doing with what you are saving? Are you just keeping it in the bank? Help to buy ISA? Investing?

Would be good to get a discussion going.

I don't get how you guus are doing it ! I live hand to mouth on my wages and my credit is shot 😂 zero saving of course. Don't earn enough.

Basically, I'm trying to find out what to do with my savings and whether there are any out there also saving big when young.

I decided to move home after uni. Family home is in London, cannot see any reason to move out other than for freedom. Unfortunately, unlike many others, I don't value freedom at £8-10,000 a year.

But those who have graduated, what are yo doing with what you are saving? Are you just keeping it in the bank? Help to buy ISA? Investing?

Would be good to get a discussion going.