To some money aside each month, not huge amounts. Currently bank with HSBC.

Wherever you put it, it’s gonna be worth less next year than this – except that Nigerian bank, they have great returns.

Have a look at the savings tab here. Up to 8% possible but read the smallprint and make sure it is right for you.

http://www.moneysavingexpert.com/banking/%5D

ISA? Crap rates at the mo but at least it’s tax free.

I have mine offset against mortgage, far better than the crap ISA I had

I’d recommend against Abbey/Santander, they had good rates when I moved to them but the service is just apocalyptically awful.

Don’t HSBC do regular saver accounts that pay a reasonable amount or are the rates only attractive for their premier plus customers or whatever they are called?

Spend it. Or put it in your pension. Or put it in a sharesave scheme if your work runs one. Or get an ISA. Only put it in most savings accounts if you need it ‘liquid’ and you don’t mind losing money on it. On the other hand, go to moneysaving expert.com and get some different advice.