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University fees.
Stocks.
Boring you have a lifetime to pay it off so why worry paying it of so soon.
Original post by Chlorophile
University fees.
Boring you have a lifetime to pay it off so why worry paying it of so soon.
Original post by Stefano93
What would you do with 10k? Personally, I might put it in a S&S ISA to lock it away for a few years and receive a sum after this.
Or a new car
.
What would you do with £10,000 ?
Or a new car
.What would you do with £10,000 ?
Most ISA's are **** tbh. 10K
5K at Lloyds using Club Lloyds (4% AER + freebies)
2K at TSB using TSB Plus (5% AER)
3K at Bank of Scotland, or maybe even Tesco (3% AER)
Never keep any balance above 5K at Lloyds
Neverkeep any balance above 2K at Lloyds
ALWAYS keep your balance at 3-5K at BOS
Never go above 3K at Tesco
This does require some "fiddling" with the banks tho
BUT you do stand to make (pre tax):~£200/year at Lloyds
~£100/year at TSB
~90/year at BOS/Tesco
So ~£390 pre tax. Not too shabby
Tax it by 20% = ~£312
Im guessing you dont pay higher rate tax, but IF you do (ie: if you earn what 35K(?)+ ), then that's ~£234/year
Most ISA's are **** tbh
Also, make interest on the interest. Eveyr month, scrape the money you make out of the respective banks, and make more money!
If you're on the 9K fees for uni, then yeah it might make sense to actually pay them off tbh, because you get charged way too much for borrowing imo (Not applicable for 3K'ers)
(edited 9 years ago)
Open a sex dungeon. 
Original post by The_Internet
Most ISA's are **** tbh. 10K
5K at Lloyds using Club Lloyds (4% AER + freebies)
2K at TSB using TSB Plus (5% AER)
3K at Bank of Scotland, or maybe even Tesco (3% AER)
Never keep any balance above 5K at Lloyds
Neverkeep any balance above 2K at Lloyds
ALWAYS keep your balance at 3-5K at BOS
Never go above 3K at Tesco
This does require some "fiddling" with the banks tho BUT you do stand to make (pre tax):
~£200/year at Lloyds
~£100/year at TSB
~90/year at BOS/Tesco
So ~£390 pre tax. Not too shabby
Tax it by 20% = ~£312
Im guessing you dont pay higher rate tax, but IF you do (ie: if you earn what 35K(?)+ ), then that's ~£234/year
Most ISA's are **** tbh
Also, make interest on the interest. Eveyr month, scrape the money you make out of the respective banks, and make more money!
If you're on the 9K fees for uni, then yeah it might make sense to actually pay them off tbh, because you get charged way too much for borrowing imo (Not applicable for 3K'ers)
5K at Lloyds using Club Lloyds (4% AER + freebies)
2K at TSB using TSB Plus (5% AER)
3K at Bank of Scotland, or maybe even Tesco (3% AER)
Never keep any balance above 5K at Lloyds
Neverkeep any balance above 2K at Lloyds
ALWAYS keep your balance at 3-5K at BOS
Never go above 3K at Tesco
This does require some "fiddling" with the banks tho
BUT you do stand to make (pre tax):~£200/year at Lloyds
~£100/year at TSB
~90/year at BOS/Tesco
So ~£390 pre tax. Not too shabby
Tax it by 20% = ~£312
Im guessing you dont pay higher rate tax, but IF you do (ie: if you earn what 35K(?)+ ), then that's ~£234/year
Most ISA's are **** tbh
Also, make interest on the interest. Eveyr month, scrape the money you make out of the respective banks, and make more money!
If you're on the 9K fees for uni, then yeah it might make sense to actually pay them off tbh, because you get charged way too much for borrowing imo (Not applicable for 3K'ers)
or just go on holiday
Original post by the bear
Buy TSR; use the remaining £9500 to get a new car.
Haha! I love how high you rate the financial threshold of this forum
Original post by Vixen47
Open a sex dungeon.
Why open one when you could have one in your own room and invite me over
Original post by Vixen47
Open a sex dungeon.
Whats inside the dungeon ? Sex slaves?
Posted from TSR Mobile
Id put it in some kind of account with reasonable interest for a couple of years then put it towards a house when i buy one.
Original post by Vixen47
Open a sex dungeon.
Much to your parents approval hahah
Buy a few vintage/leather corsets and various other expensive leather things.
Beyond that, I'd go backpacking across China and buy gifts for all family and best friends.
Beyond that, I'd go backpacking across China and buy gifts for all family and best friends.
Original post by queen-bee
Much to your parents approval hahah
They're the ones who paid for it.
Original post by ubi1
I am the only slave.
Original post by Vixen47
I am the only slave.
[/QUOTThis isn't going to end well
Original post by The_Internet
Most ISA's are **** tbh. 10K
5K at Lloyds using Club Lloyds (4% AER + freebies)
2K at TSB using TSB Plus (5% AER)
3K at Bank of Scotland, or maybe even Tesco (3% AER)
Never keep any balance above 5K at Lloyds
Neverkeep any balance above 2K at Lloyds
ALWAYS keep your balance at 3-5K at BOS
Never go above 3K at Tesco
This does require some "fiddling" with the banks tho BUT you do stand to make (pre tax):
~£200/year at Lloyds
~£100/year at TSB
~90/year at BOS/Tesco
So ~£390 pre tax. Not too shabby
Tax it by 20% = ~£312
Im guessing you dont pay higher rate tax, but IF you do (ie: if you earn what 35K(?)+ ), then that's ~£234/year
Most ISA's are **** tbh
Also, make interest on the interest. Eveyr month, scrape the money you make out of the respective banks, and make more money!
If you're on the 9K fees for uni, then yeah it might make sense to actually pay them off tbh, because you get charged way too much for borrowing imo (Not applicable for 3K'ers)
5K at Lloyds using Club Lloyds (4% AER + freebies)
2K at TSB using TSB Plus (5% AER)
3K at Bank of Scotland, or maybe even Tesco (3% AER)
Never keep any balance above 5K at Lloyds
Neverkeep any balance above 2K at Lloyds
ALWAYS keep your balance at 3-5K at BOS
Never go above 3K at Tesco
This does require some "fiddling" with the banks tho
BUT you do stand to make (pre tax):~£200/year at Lloyds
~£100/year at TSB
~90/year at BOS/Tesco
So ~£390 pre tax. Not too shabby
Tax it by 20% = ~£312
Im guessing you dont pay higher rate tax, but IF you do (ie: if you earn what 35K(?)+ ), then that's ~£234/year
Most ISA's are **** tbh
Also, make interest on the interest. Eveyr month, scrape the money you make out of the respective banks, and make more money!
If you're on the 9K fees for uni, then yeah it might make sense to actually pay them off tbh, because you get charged way too much for borrowing imo (Not applicable for 3K'ers)
Wouldn't it be easier to open a Santander 123 account?
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