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£50 for me and £75 for mrs zip.
Happy with that.
Last 6 months £275 for me and £325 for mrs zip.
£25 ... I'm rich!
Nothing for me or partner for the last few months, well below 'average' win interest rate now 🙁
Bah, nothing.
Mister Consistency here, bugger all..😠
Nowt. This year I've made £75. Cant complain.
Nothing for me this month. Which is what I expected. Hopefully back with better results in 30 days 🤔
*opens app*
Try not be excited
*accept cookies*
I wonder.... maybe this time
*log in*
Don't be silly, I never win anything.
*app says WOW! with a picture of a lady holding carrots*
I'VE BLOODY WON.... SOMETHING
*app takes 0.5 second to load*
The lady holding carrots.... she looks very happy - IT COULD BE THE BIG ONE!
*app presents the winning amount*
£25
That's a few carrots I suppose.
Nowt for me. 😕
nothing again.
My Bitcoin investment has grown by £2.27 this month, time to in big soon me thinks as its out performing my PB.
Third month with skin in the game and £25 bagged!
£25. First win for 3 months
5x £25, happy days!
Makes a change from the nothings or single £25s I've had for the last year or so.
What sort of return in % are you seeing each year, I'm wondering how it compares to a regular 0.5% savings account, as far as I understand it doesn't match that (on average) until you've 20 or 30 grand in the pot.
What sort of return in % are you seeing each year, I’m wondering how it compares to a regular 0.5% savings account, as far as I understand it doesn’t match that (on average) until you’ve 20 or 30 grand in the pot.
[url= https://www.moneysavingexpert.com/savings/premium-bonds/ ]This link on MSE[/url] explains it well but in short Premium Bonds are not likely to generate any interest for people with small investments. You need to be chucking 10K plus at them, and even then only do it as part of a broader investment portfolio.
I keep looking at PBs, I have my savings split between a savings account (0.5%) and a managed ethical investment ISA, the savings account is what I think of as emergency money but inflation is slowly eating it while the ISA is doing great at (currently) over 27% up after 3 years (33% time adjusted).
£75 for me this month. had £25 last month, but nothing for a few months beforehand. thought I'd be out of the game properly having paid for a chunk of an extension out of them earlier this year, but £100 in the past 2 months from the rest of my holdings isn't terrible... pays for my flights to see my missus anyway!
£75 here too. Ker-ching!
£50 for me and £25 for the other half. Which is a bit of an improvement on the last couple of months.
@matt303uk - works out at exactly 0.5% return for the year so far (i.e. the 9 draws from Jan to Sep) and that's on the max amount each for two people. So maybe 0.75% for the year as a whole, give or take a bit, if it carries on like that. It's not exactly a brilliant return, but it's 'steady' and safe I suppose.
I'm running at about 0.8% over the last 12 months, on what most folk would probably consider a healthy pot. At that rate, taking inflation into account, my pot is in effect dwindling. It's earmarked for house improvements over the next 5 years or so - I maybe need to speed up the DIY to get the most out of my money!
What sort of return in % are you seeing each year, I’m wondering how it compares to a regular 0.5% savings account, as far as I understand it doesn’t match that (on average) until you’ve 20 or 30 grand in the pot.
About 10% over eighteen months, so 6ish% per year
I have around £2k of my own money in there and around £13.5k of interest-free money borrowed from credit cards (was higher but had to cash some in when one of the cards reached the end of it's 0% intro offer) and I've won eight lots of £25 so far.
£200 from having £2k tied up isn't bad.
If you can borrow interest free it makes a lot of sense, possible decent return and zero risk to pay back the capital when you need to.
.
Average return should be 1%, but mostly that will be nothing with the odd big one skewing the average. I expect £25 every two months on mine, just had it two months in a row after nothing for a while
3 months in after investing near maximum. I've done a spreadsheet to track progress and so far I'm on for 1.97% return on current run rate. I expect this figure to tail off as we go through the months.
I have around £2k of my own money in there and around £13.5k of interest-free money borrowed from credit cards (was higher but had to cash some in when one of the cards reached the end of it’s 0% intro offer) and I’ve won eight lots of £25 so far.
I thought you always accrued interest if you took cash out on a credit card, I’ve seen 0% on purchase but this is different I think. Am I missing something?
[I thought you always accrued interest if you took cash out on a credit card, I’ve seen 0% on purchase but this is different I think. Am I missing something?]
How are you getting 0% cash advances without a fee? Every card we've got that offers them wants 3-4% for arranging it.
I think he’s putting the money that would normally go to paying off the credit card into PB, then cashing in when the 0% expires.
How are you getting 0% cash advances without a fee? Every card we’ve got that offers them wants 3-4% for arranging it.
Two PayPal accounts.
Link card to one. Send payment to the other, just a normal payment, friends and family, no fee. This is a purchase, not a cash advance, as Tails suspected he is missing something.
Link second PayPal account to bank account, withdraw funds.
You end up with money from cc into bank account with no fees. Buy premium bonds in the usual way from bank account.
Two years time when 0% ends sell premium bonds, pay off card. Keep winnings.
.
Shinton's method works,, but mine gets you all of it from day 1. His builds it up at the rate you normally spend stuff on a cc.
.
Also, use my method above to avoid balance transfer fees if that's what you want to do. Get money from one card into bank, pay off other card with it. They charge you 2-3% for moving it directly from one to the other.
The other thing you could do is get three or four credit cards and an offset mortgage. Plenty of scope for making a few quid at zero risk. Or hopefully a lot of quid if Ernie is very kind to me next month.
Cashed all my premium bonds in after a miserable 2 years with a grand total of £50 to show for over £13k worth of bonds.
3 months into a stocks and shares ISA, I'm up 3%. I went for a low risk set of Vanguard funds.
After 2 months with nothing, £150 this month between me and Mrs Bloke. I had one prize, she had 5, and she has a smaller holding than me!
@andrewh thanks. I didn’t realise PayPal worked like that, I’d always assumed a F&F payment would be treated as a cash advance by the CC company.
4 x £25 for me this month, only third winning month this year - I had 11 last year.
Waiting patiently.,...
Same here, app not showing anything, so there's hope 🤞
App not working here but logged in on NSI and didn’t win a penny but mrs zip £25
£25!
First win in three months.
Odd showing as no results availible yet for October for me :/
£25 for me after a couple of bereft months.
The app isn't working for me this morning
App is still down. If it was an amount worth getting excited about, I'd have known yesterday. It's certainly not worth the ball ache of trying to go through the website.
Just been online, nowt.
Absolute rubbish, I've withdrawn mine this morning. I could make more in a day speculating 1% of my savings on crypto than I have made in a year on PBs.
. I could make more in a day speculating 1% of my savings on crypto
To be fair, you could also lose more in a day. Premium bonds are basically risk free, so it is unsurprising that returns are poor.
£125 for me (5x£25) and another £25 for the other half. That's not a bad month on the whole.
Never bothered with checking via the app; given the complaints about it constantly being down, I don't think I'll bother.
Nothing again here although I don’t have much in the way of savings in there to start with so not particularly surprised