Premium Bonds

Just had an e-mail to say I have won three £25 prizes in the 1st January draw. Am quite happy even if it wasn't the 'big one'

I've got some premium bonds. Forgot to inform them of my change of address. When I emailed them to ask how to update my contact info I had a nice reply telling me to get my parents to counter sign my letter as they had been the people buying them for me. Only snag -they both died years ago in their 80s! Not sure what to do now!

Yes Tanith, we have the 123 Santander account too, as well as the 3% interest on the balance, we get £6-8 a month in cashbacks on utility bills.

I think ours over the last 12 months gave a return of just under 1%! It is quite fun getting the occasional envelope through the post - even if it is just another £25. I don't buy lottery tickets, so this is my flutter - and I still have the original deposit.

I have some premium bonds and some ISA's that are fixed for a couple of years . Have you thought about a current acc that pays interest , I have the Santander 123 acc which pays 3% on anything over £2K up to £20K which is not a bad rate considering what some savings acc's pay now..

I wouldn't keep more than a couple of thousand in Premium bonds as its actually losing money just sitting there but like you I like the idea that I could win big... it ain't gonna happen though is it

Mishap if you have any savings at all, and they are not in Isas, you are simply giving the Government 25% of any interest you earn, that you could otherwise keep for yourself.
Even if you have to do a self-assessment form, you don't have to put ISAs on them because they're tax-free.
You don't have to tie your money up in ISAs either. There are instant access ones, though of course they pay a lower interest rate.

I have 10 premium bonds that I was given when I was in my teens. They have never won anything and nothing would induce me to buy any more.