Cash Isa's

Absent

Stansgran I don't loathe stocks & shares ISAs - they made over 9% this past year, tax free!

I think my Isa is stocks and shares.
My financial adviser whose also a family friend tries to stop me spending money while I say that that's what it's for!

Movedalot - the paying off of the mortgage was both good and bad as the downsize was due to OH's ill health and the need to have some cash behind us to face the future with 3 children and him about to leave work at age 42. The move took us away from a house we loved; and necessitated school upheavals too.

But we discussed it wth our children and they were behind us - and learned a valuable lesson about the things in life that really matter.

But things picked up a bit and we were able to move to our current lovely cottage eventually. I went out to work and OH did some part time and we got over the loss of our lovely home. So things could havce been a lot worse.

Knowing the house is ours for over 20 odd years has been good for the peace of mind.

Sounds in some ways similar to us Mishap. We had to leave a place we loved and a house we had made a home but we made the best of it and decided to look forward and not back and just get on with it. When there is no choice what else can you do? Our latest move will hopefully be the last as we love it here.

We also had an accountant who told us not to go mortgage free when we moved to a smaller property - but as DH was self employed we decided we preferred the security of knowing the house was ours

Riverwalk, I also have a stocks and shares ISA and have been very happy with the performance.

We payed ours off when we both took early retirement at age 50!
Reminds me, I'm retired?

Some of us are non taxpayers so getting involved with ISA's is pretty pointless!!

"Everything can be done on line in advance" - exactly! It is a long time since I actually went into a bank / building society, let alone queueing at the door. Smacks of life in the early 60s, waiting for the banks to open on a Friday.