Martin Lewis - should you get a cash ISA? 

celebrityserb how? You can spend £100 on sky channels you don't watch , on coffee etc

With low interest rates, let us say an individual had a balance of £10,151 at the end of September 2016. After putting money away regularly via a bank branch or online or transferring from a current account via cash machine, the balance at the end of September 2017 is £11,027. He/she calculates the effective interest rate he/she would have had, 8.63% if the rate existed. The balance would have been far higher than £11,027, more like nearer £12,000. I wonder when was the last time the Bank Of England had an 8.63% interest rate. Probably during the 1980s or 1990s.

Interest rates are currently 0.75 as of 1st February 2019. Let us say an individual had a balance of £8,534 at the start of February 2018. After putting money away regularly via a bank branch or online or transferring from a current account via cash machine, the balance as of 31st January 2019 is £10,466. He/She calculates the effective interest rate he/she would have had, 22.64% if the rate existed. The balance would have been far higher than £10,466, more like around £12,400.

And use a stocks and shares isa to do that (assuming you will earn over the tax free dividend allowance)

on your nuts

Obviously one of many English accents you Muppet.