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Half Pint

Member

Registered: 25th Mar 02
User status: Offline

27th Jan 09 at 13:35

quote:
Originally posted by Matty G

quote:
Originally posted by johnhara1
£400pm into my ISA

I scrape the remainder of my monthly wage into my day to day savings account at the end of each month.

you can only put £3600 a year into an ISA cant you? So you wont be able to pay anything into it after 9 months

thats £3600 tax free, over that and you are paying tax thats all.

Ian W

Member

Registered: 8th Nov 03
Location: Wirral, Merseyside
User status: Offline

27th Jan 09 at 13:36

Been on a bit of a savings drive the last few months. Try to put between £650-£800 away a month for a house deposit.

I was planning on getting a mortgage this year and never figured i'd need more than a 5% deposit so I used to just blow my money on crap, gutted now

Half Pint

Member

Registered: 25th Mar 02
User status: Offline

27th Jan 09 at 13:38

most companies want 10% and if its a new build they want 20 - 30 % OUCH!

Mobby

Member

Registered: 31st Dec 07
Location: Leicestershire
User status: Offline

27th Jan 09 at 13:39

never, i cant afford too

mwg

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Registered: 19th Feb 04
Location: South Lakes
User status: Offline

27th Jan 09 at 13:42

quote:
Originally posted by Half Pint

quote:
Originally posted by Matty G

quote:
Originally posted by johnhara1
£400pm into my ISA

I scrape the remainder of my monthly wage into my day to day savings account at the end of each month.

you can only put £3600 a year into an ISA cant you? So you wont be able to pay anything into it after 9 months

thats £3600 tax free, over that and you are paying tax thats all.

ah right thanks.

What happens after 12 months is up? Do you set up a new ISA and start paying into that to get another £3600 tax free? Or can you add another £3600 tax free to your existing ISA as long as its a different financial year?

Half Pint

Member

Registered: 25th Mar 02
User status: Offline

27th Jan 09 at 14:27

i beleive you get another 3600 for that fiancial year if the threshold remains unchanged.

Member

Registered: 20th May 02
Location: Kent
User status: Offline

27th Jan 09 at 14:31

quote:
Originally posted by Half Pint
at the moment i am saving around £1600 every month plus paying into my pension...

ionly started savig about 4 years ago and that was only ivesting in share schemes at work. although up until they crashed i had done pretty well out of it.

i have just learnt how to live without spending all i earn it is possible you just have to be a bit more careful when in the pub.

deffinition of rolling in it

Daniel_Corsa

Premium Member

Registered: 21st Apr 04
Location: Wigton, Cumbria
User status: Offline

27th Jan 09 at 14:34

I started few months ago, looking to save a deposit for a house, had to take out some unexpected bills from that so its less than I would have liked!

Few weeks ago found out I was being made redundant so I'm saving as much as possible incase I have to live off my savings!

Been saving about £600 a month, GF is also putting some away a month but £100 - £200 at the moment other than that we both live at home with very little out goings

Rent
Phone Bill
Car
Odds and sods on credit card (paid off every month)

April '06' Corsasport Feature Car

| Aug '08' Total Vauxhall Feature Car

| Spring '09' Fast Car Feature Car

VegasPhil

Premium Member

Registered: 16th Jan 05
Location: Fareham, Hants Drives: Octavia VRS
User status: Offline

27th Jan 09 at 14:44

I try to save, varies each month. Normally I just put whats left in my acc into savings when I next get paid

Also pay into Sharesave scheme and a Pension. That's all saving

Corsa 2.0 16v Vegas - Sold

James

Member

Registered: 1st Jun 02
Location: Surrey
User status: Offline

27th Jan 09 at 14:48

quote:
Originally posted by Half Pint

quote:
Originally posted by Matty G

quote:
Originally posted by johnhara1
£400pm into my ISA

I scrape the remainder of my monthly wage into my day to day savings account at the end of each month.

you can only put £3600 a year into an ISA cant you? So you wont be able to pay anything into it after 9 months

thats £3600 tax free, over that and you are paying tax thats all.

You can't put more than £3600 a year into an ISA.

They don't want the overheads of having to calculate which bit of your ISA is tax free and which bit isn't so they simply say you can only put your tax free allowance in there.

You have to have a separate savings account if you want to save any more.

Pablo

Member

Registered: 3rd Feb 03
Location: Milton Keynes
User status: Offline

27th Jan 09 at 15:21

quote:
Originally posted by Nath
No.

u should be able to save loads lol

Conway563

Member

Registered: 7th Jun 06
Location: Yate, Bristol
User status: Offline

27th Jan 09 at 15:25

quote:
Originally posted by James
You can't put more than £3600 a year into an ISA.

They don't want the overheads of having to calculate which bit of your ISA is tax free and which bit isn't so they simply say you can only put your tax free allowance in there.

You have to have a separate savings account if you want to save any more.

Doesn't it depend on the type of ISA?
I'm sure when I took mine out there were 2 types offered, 1 of which you could pay more into but involved shares or something

Pablo

Member

Registered: 3rd Feb 03
Location: Milton Keynes
User status: Offline

27th Jan 09 at 15:32

Instant/Cash Isa and then the big boy ISA lol

James

Member

Registered: 1st Jun 02
Location: Surrey
User status: Offline

27th Jan 09 at 15:36

quote:
Originally posted by Conway563

quote:
Originally posted by James
You can't put more than £3600 a year into an ISA.

They don't want the overheads of having to calculate which bit of your ISA is tax free and which bit isn't so they simply say you can only put your tax free allowance in there.

You have to have a separate savings account if you want to save any more.

Doesn't it depend on the type of ISA?
I'm sure when I took mine out there were 2 types offered, 1 of which you could pay more into but involved shares or something

Yep - Cash ISA = £3600, Stocks and Shares ISA = £7200.

Daimo B

Member

Registered: 20th Mar 00
User status: Offline

27th Jan 09 at 15:48

This thread makes me feel very poor

ajscorsa

Member

Registered: 30th Apr 02
Location: Perceton, North Ayrshire
User status: Offline

27th Jan 09 at 16:04

quote:
Originally posted by VXR
This thread makes me feel very poor

makes me feel worse too.

i only earn about 1100 a month and out that i pay 2 loans, digs, car insurance, phone bill. all comes to about £550 the rest goes on petrol to work and the odd beer in the pub.

I want a new job lol, working for a Local authority sucks balls. sweet pension tho i suppose

Graham88

Member

Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline

27th Jan 09 at 16:11

Managed to save £1500 last month, back of the net.

Up until now I haven't saved lots, just a oner a month that DD into a Savings Account. I've bought so much stuff over the past year I decided 2009 was a year to save, I'm not going to go anal and not go out etc, just not buy stuff I can go without. I have alot to show for the past year though, better than spunking it drinking every weekend

[Edited on 27-01-2009 by Graham88]

Eck

Premium Member

Registered: 17th Apr 06
Location: Lundin Links, Fife
User status: Offline

27th Jan 09 at 16:14

quote:
Originally posted by Hammer
Nup, not a single penny.

Ditto. The one time I did manage to save up, it lasted 2 months then I bought another Car

I didn't even have a license at the time ffs

Now it just goes on takeaways and booze!

Sam

Moderator
Premium Member

Registered: 24th Dec 99
Location: West Midlands
User status: Offline

27th Jan 09 at 16:18

quote:
Originally posted by liamC
Focusing on paying off debt before saving.

So I should start saving circa 58 years old.

PMSL I know what you mean

James

Member

Registered: 1st Jun 02
Location: Surrey
User status: Offline

27th Jan 09 at 16:23

quote:
Originally posted by Eck

quote:
Originally posted by Hammer
Nup, not a single penny.

Now it just goes on takeaways and booze!

Ah the high life

BYRON

Member

Registered: 1st Jun 04
User status: Offline

27th Jan 09 at 16:26

Mine follows the theme of the other home owners in this thread.
No.

Matt L

Member

Registered: 17th Apr 06
User status: Offline

27th Jan 09 at 16:37

i try to save every month

about £200 which is just under a 3rd of my wages

hopefully i can save 300 if i can live on a budget of £300 over a month,

Ellis

Member

Registered: 11th Sep 07
Location: Aberdeenshire
User status: Offline

27th Jan 09 at 16:50

I've calmed down at the weekends, going out just one night instead of two - so my bar bill has reduced...

Cutting out silly mileage has made a noticeable difference too...

I try to put about 1/4 of what I see every month away into savings for a rainy day

Daimo B

Member

Registered: 20th Mar 00
User status: Offline

27th Jan 09 at 16:50

People saying they are saving £1500 pm....

I was formally on a higher takehome wage than this, so know roughly how much you guys have to be earning, especially you London people....

£30k+

At the very very least

Graham88

Member

Registered: 16th Apr 07
Location: South East Kent Drives: E46 M3
User status: Offline

27th Jan 09 at 16:51

London FTW

Christmas bonus helped admittedly, but that pretty much paid for Xmas presents

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