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Have you thought about getting an account with one of the online only banks like Monzo or Starling which do everything you describe? I got a Monzo account for using abroad as it carries no charge for direct debits, but ended up using it to send my spending money too as I find the budgeting tools really helpful. Monzo let you bring in your balances from other accounts so you can see them in the App, although you have to pay £5 month for that feature.
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Oct 4, 2023 20:07
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| # ¿ May 22, 2024 06:05 |
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Would a lower savings goal mean you would not have to dip into credit? If you have credit that accrues interest you should try and pay that off first and foremost. Having done that you should put aside some emergency money. Having done those things and if you are happy to put the money away and not touch it, with a definite goal of buying a house, and are first time buyers, you should consider a LISA as you get a 25% bonus from the Government. But only if you are definitely going to use the money for a house as there is a penalty if you withdraw for other reasons.
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Mar 19, 2024 23:33
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