how would you! divide money btween 2 DD 1 GS

Or wait until the next tax year for the last £1,000, and then you will have whatever tax you did not pay on the £9,000 to add to it. Sorry, that still leaves the decision who to give it to.

You can give £3,000 to each person without paying tax, so you could start with that, then worry about the other £1,000. Perhaps that to the one without children?

aha yes sensible answers....I was trying to get my head round...do I give more to DD who has no children//but yes can see point of giving GS some then! sharing..out between DD s lol not that I have!! £10,000 but you never know ..one day!!

I'd give some to the GS, then share the remainder equally. It's what Mr H and I have done in our will!

I treat grandsons differently to the kids. You're saving for their future.

I'd put a good amount into something like the Kids' Fixed Savings account here

Then give to the DDs however much you think they will use sensibly.