So, since I bought my house 18months back I've been saving pretty hard because firstly I'm a boring cunt who does nothing with his life but play video games with his girlfriend, and secondly because the thought of not having an emergency fund for a worse case scenario gives me an anxiety attack.
Well I'm about a month or two away from getting a fairly large landmark on the cash, and I'm wondering what I should do with it. It's currently just sitting in a shitty NatWest savings account probably accumulating negative interest, basically it's dead money, I'm sure there are better options out there, but beyond ISAs I know nothing about them.
Now I'm pretty risk adverse, so I won't be playing the stock markets or anything like that, and I need the money to be available in an emergency, aka I lose my job, other than that I'm pretty open minded about how to save it. I've heard of those five year fixed savers, are they any good? What about stock market based savers? Basically can anyone offer any advice or ideas as I know shit about this topic.
Well I'm about a month or two away from getting a fairly large landmark on the cash, and I'm wondering what I should do with it. It's currently just sitting in a shitty NatWest savings account probably accumulating negative interest, basically it's dead money, I'm sure there are better options out there, but beyond ISAs I know nothing about them.
Now I'm pretty risk adverse, so I won't be playing the stock markets or anything like that, and I need the money to be available in an emergency, aka I lose my job, other than that I'm pretty open minded about how to save it. I've heard of those five year fixed savers, are they any good? What about stock market based savers? Basically can anyone offer any advice or ideas as I know shit about this topic.
