No Buy Year, ISA's, Premium Bonds, Money Saving Tips, Frugal Living - Lara Joanna Jarvis May 2020. 

Me too 🙌

Ah that makes me so happy!! Xx

I agree

I've been doing the same! It's crazy how much of the same thing you can collect and not realise haha x

I literally had 15 bottles of Impulse ffs lol

Unless you already have a help to buy ISA open, you cannot get one. The scheme closed in November. There are now only lifetime ISAs. These did have a big penalty for closure, but that penalty has been reduced to just the government bonus during the current crisis. MSE has great info on this ISA scheme. Obviously you can still also save in normal cash or stock and shares ISAs, but the benefit of the cash ISA is only there if you earn more than the basic rate tax threshold or hold so much savings in other non ISA accounts that you have overshot the £1000 basic rate interest threshold as non ISA accounts currently pay slightly more interest. Stocks and shares are not advisable for short term investments, although the market is on the floor right now so actually longer term, it's a better time to invest. There's been research that if you check any 11 year investment period over 1900-2019, that is the minimum time of investment to guarantee gains on the stock market because of volatility. Sorry if any of that info is basic or already known to you, just trying to help. Also premium bonds are a game of chance. Lara seems relatively lucky with them. Again there is a probability calculator on the MSE site that will show you what you are likely or unlikely to win given the current prize rate. I have premium bonds, I generally win the same or a lot less than I could get in a cash investment but I like the opportunity to win as I don't gamble in other aspects of my life.

To the best of my knowledge you could only get a help to buy isa until 30th of November 2019. They don't do them any more

Yes I feel like I need a money mindset overhaul! Well done you, that's brilliant!! Xx

Fab, I had wondered if maybe that was it. They were not getting views very much until later on so it made sense. Sunday's I'll do in the morning still as it's when I watch a lot when we have the mornings free :)

Remember that these companies don't care about you or whether or not you can or cannot afford to spend money. They will be doing their best to get you to part with your money. Find a sense of satisfaction in closing down their website and essentially "walking away". You'll feel better for doing so. Remember, they don't give a damn about your personal circumstances.

Haha, maybe I should do a get to know me Q&A!! I worked in IT for 12 years up until I had my 2nd son and then the childcare costs for 2 in nursery were so high and more than I earned almost so I decided to not go back and focus on my RU-vid and blog and so now I do this full time :)

Abcd Effg Id love to be able to know more about this too. I’ve been reading mixed information on martins money and equally there are premium bonds and income bonds....they both feel the same to me! So confusing! 😂

Ah ok, thank you!