All I want for Christmas is . . . . . . . . ? 1oz of GOLD? a sovereign??? let's get it and all be part of the journey

[Aldebaran]

25 minutes ago, James32 said:

Only you would have a gold carriage in the shed.

That’s left over from when he was winner of the local Carnival Queen⭐️⭐️

[Aldebaran]

On 17/11/2023 at 19:03, Fenlander1 said:

Keep saving I will take a buffalo out of the herd when you are ready. 😆 

Premium bond cheques no wonder I never win.

You have already unleashed that buffalo, I bought it last week😁🦜

[Paul]

Good start

half of a £47 bingo/house going into the pot when I get home later

[ZRPMs]

37 minutes ago, James32 said:

Only you would have a gold carriage in the shed.

Shhhhush, Don't tell anyone, its only silver with gold leaf on it. 

[ZRPMs]

17 minutes ago, Aldebaran said:

That’s left over from when he was winner of the local Carnival Queen⭐️⭐️

I thought I looked stunning

[Brit2023]

Shawbrook bank had 5.15% easy access last week💰💰

[JamesH]

Ready to go from December 👍🏼

[AndrewSL76]

28 minutes ago, JamesH said:

Ready to go from December 👍🏼

Nice, but Chip it seems are going to charge you 25p per save. So count that in the math to see if the rate remains worthwhile……

[AndrewSL76]

I have just set up a payment to a savings account at £40 a week. Should be a nice chunk of change over £2k by 01 December. So that will be the Buffalo or high grade Half-Sov depending on what is available at that point. 

[JamesH]

9 minutes ago, AndrewSL76 said:

Nice, but Chip it seems are going to charge you 25p per save. So count that in the math to see if the rate remains worthwhile……

Yeah it’s fine. Sum total of £3 over the year so all good 👍🏼

[Gruff]

Co-Operative Bank and others don't support Open Banking. So I've set up a standing order every 4 weeks for £150 that should be 13 payments and I'll add one for luck, incase the price moooooooooooons  

[Sanctuary79]

17 hours ago, Paul said:

It's not been mentioned but you could set your standing order to bullionvault or royalSkint allocated gold if you can't trust yourself with fiat in the bank 

Mine is set so that any money earned from junk clearing & ebaying goes directly to my bullionvault account (mainly so the wife doesn't spend it on "essentials")

[Makey1976]

Started a first direct 7% regular saving account £250 for next December. Really want a 1oz Brit. Done it for this year but got hooked on QB 2oz silver coins .so next year hopefully. But you never know Santa might just be good this year if price is right 🤣

[Paul]

1/52 of the way there, my first weekly standing order has processed.

Set and forget !

Hello easy 1oz gold 1st December 2024

[Paul]

START DAY TODAY EVERYONE! 

1st December 

Good luck m'ducks ! 

Get those bank transfers/standing orde screen captures up to show everyone you're in 

[JamesH]

Switched my Chip savings account over to Nationwide who have an 8% regular saver account (capped at £200 per month). First deposit going in on December payday 

[Darr3nG]

I am a month away from completing "One Year, No Beer" and apart from the obvious health benefits, I have noticed a significant financial improvement too... I think I'm just going to keep going

First savings payment made today, maxed out to £250 - bring on those Christmas Sovs!

[Paul]

Just now, JamesH said:

Switched my Chip savings account over to Nationwide who have an 8% regular saver account (capped at £200 per month). First deposit going in on December payday 

I saw that on Martin Lewis MSE email the other day. Would be rude not to I guess 

[Paul]

1 hour ago, JamesH said:

Switched my Chip savings account over to Nationwide who have an 8% regular saver account (capped at £200 per month). First deposit going in on December payday 

Just signed up to this 8% regular saver account to  makes sense as my main bank account is with Nationwide. Thanks for pointing it out @JamesH 

Got my £31.73 weekly standing order going into it now set up 

[Petra]

3 minutes ago, Paul said:

Just signed up to this 8% regular saver account to  makes sense as my main bank account is with Nationwide. Thanks for pointing it out @JamesH 

Got my £31.73 weekly standing order going into it now set up 

Have to check this next time I log in to mine!

[Paul]

1 minute ago, Petra said:

Have to check this next time I log in to mine!

https://onlinebanking.nationwide.co.uk/Products/Products/BrowseProduct?id=281

Is the link when you log in

 

 

 

 

 

 

Flex Regular Saver

Our regular savings account, just for current account members. Limit your withdrawals and keep a higher rate.

Why choose a Flex Regular Saver

Save often and make the most of your money with our regular savings account. Deposit up to £200 each month for 12 months.

Interest rate

8.00% AER/gross a year (variable)

Manage your money

Online – using our Internet Bank or Banking app

Access to your money

Make up to 3 withdrawals during the 12 month account term without impacting your interest rate.
Make 4 or more withdrawals and your rate will drop to 2.15% AER/gross a year (variable) for the rest of the term. We’ll apply the lower rate on the day you make your fourth withdrawal.

Is a Flex Regular Saver right for you?

A regular savings account just for those with a Nationwide bank account.

Designed for:

• Savers who want to save up to £200 a month
• Savers who are happy to make up to 3 withdrawals (during the account term) without loss of interest
• Nationwide current account holders
• Savers who want to open their account online and manage it using our Internet Bank or Banking app

Not designed for:

• Savers who want to save more than £200 a month
• Savers who want to make more than 3 withdrawals a year
• Savers who do not have a Nationwide current account
• Savers who want to use one of our branches to open or manage their account

Eligibility criteria apply.

Don’t yet have a Nationwide current account?

Our Flex Regular Saver is just for our current account members. This means you’ll need to open a current account with us before you apply.

Compare our current accounts

Summary Box

Account name	Flex Regular Saver Issue 2
What is the interest rate?	Your rate depends on how many times you take money out in the 12 month term. After you take money out 4 times, the lower rate applies for the rest of the term. Withdrawals Interest rate AER/gross a year (variable) 3 or fewer 8.00% 4 or more 2.15%
Receiving your interest	We work out your interest daily. This is then paid into your account on the anniversary of your account opening. We’ll also pay interest when you close your account.
Can Nationwide change the interest rate?	Yes, the rates are variable. That means we can change them, up or down. Section 04 of 'Our Savings Terms and Conditions' explains when we can do this, and how we’ll let you know. You can also check our current rates in branch, or online at nationwide.co.uk/savingsrates
What would the estimated balance be after the 12 month term, based on 12 deposits of £200 totalling £2,400?	Withdrawals made Interest rate AER/gross a year (variable) Balance after 12 months 0 8.00% £2,504.00 4 2.15% £2,392.76 This table shows what a future balance might look like. It assumes: you pay in £200 on the first day of each calendar month each of the 4 withdrawals are for £10 and are made on the first day of each calendar month, for the first 4 months of the term you don't pay any more money in or take any more money out the interest rates shown do not change.
How do I open and manage my account?	1. Check you can have this account You need to: be 16 or over be a UK resident have a valid email address be able to open and manage this account online, and have one of our current accounts. If at any point after you open this account you no longer have a current account with us, we may transfer the money in your Flex Regular Saver Issue 2 to an instant access savings account. Terms and conditions and the interest rate for the new account will apply, and we'll be in touch to let you know the details before we make the transfer. You can only have one Flex Regular Saver Issue 2 account in your name at any time. You can't open this account in trust for the benefit of another person. 2. How to open your account You can open an account in your name or jointly with one other person. For joint accounts, only one of you needs to have one of our current accounts. You can do so: on our Internet Bank or Banking app (if you're registered). You need to pay money into your account within 28 days or the account will close. The most you can pay in when you open your account is £200. 3. Manage your account: This is an online account - you can manage your money through the Internet Bank or Banking app. You don't have to pay money in each month, but the maximum you can increase your balance by each calendar month is £200. You can't pay in or take money out by cash or cheque. You'll find your statements on the Internet Bank.
Can I withdraw money?	Yes, and you can take money out three times during the term without losing interest. If you make four or more withdrawals, you'll get a lower rate for the rest of the term. You can use our Banking app or Internet Bank to transfer money to any Nationwide savings or current account that's in your name and accepts payments. You can also transfer money to a current account you hold with another UK provider, as long as it accepts 'Faster Payments'.
At the end of the term	After 12 months, we'll move your money to an instant access savings account with a lower interest rate. We'll be in touch before this happens to explain your options and next steps.
Additional information	This account does not come with a card, passbook or certificate. As long as we have an up-to-date email address for you, we'll usually contact you about your account by email, otherwise we'll send you a letter.
Interest rate terms explained	AER AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. Gross The interest rate without tax deducted. Personal Savings Allowance (PSA) You may need to pay tax on any interest that takes you over your PSA. The treatment of your account for tax purposes will depend on your individual circumstances. All tax information is based on our understanding of current law and HM Revenue & Customs practice, both of which may change. For more information, visit hmrc.gov.uk. The interest rates and information in this summary box came into effect on 21 September 2023.

[YorkshireStacker]

I've set up a monthly £100 standing order, but I'm also going to be topping this account up ad hoc, as and when I can.

I had a couple of months worth of cashback sitting not doing much so threw that in, and the monthly dividend payment from one of my shares too. Let's go!

[Thomast]

So my small arbitrage play with the royal mint has gone well. 
made a few hundred quid with the spot price increase and using their money to put into a savings account to earn some interest, for the Christmas sovereign fund. 
which I’ll have to draw out as and when my credit account payment is due

thank you royal mint for the free money. Ho Ho Ho merry Christmas 

[Gruff]

First £300 saved... expecting the price to be more next December 

[Thomast]

6 minutes ago, Gruff said:

First £300 saved... expecting the price to be more next December 

👍🏻 good start, stay strong