It’s Premium Bonds draw day.

£175, 5% return year to date 🙂

Nothing since I bought £1k worth in Feb this year.   I probably need to put in more. I thought I might have had a nibble though 😁

£150.

That makes £1,225 over the last twelve months, well ahead of the expected returns so I’m happy with that.

£150

£825 so far this year

Nothing again (just shy of £13,000 invested). My last win was November 🙁

Nothing since February for me, £7.5k invested.

nothing on £40k, just pulled it out as it needs spending. don’t think I’ll be using premium bonds again (was a short term tax-free shelter, so I guess did its job there) as the overall return was <2%

 don’t think I’ll be using premium bonds again (was a short term tax-free shelter, so I guess did its job there) as the overall return was <2%

Yeah, I’m gradually moving my rainy day cash over to savings accounts.

£225 for me, and £50 for the better half.

£125 this month.  £13,000 premium bonds and no mortgage aged 36. Not due to handouts but overpaying low % mortgages all my life. What would you do in my situation, looking to secure a nice future- as we all are? Already paying £340 into a pension per month.

What would you do in my situation

Max out the premium bonds and increase your chances of winning every month for the rest of your life 🤔.

I’m not a financial advisor 😂

If I won the lotto, I’d hire services of 2 financial advisors then 1 middle class stw man to battle them outta the equation 🤣👍

£125 this month. £13,000 premium bonds and no mortgage aged 36. Not due to handouts but overpaying low % mortgages all my life. What would you do in my situation, looking to secure a nice future- as we all are? Already paying £340 into a pension per month.

I was in a similar situation a few years ago. The answer depends when you need the cash. LISA should be maxxed out each year as there’s some free cash if you keep it there long enough – otherwise if you’re happy locking the money away till retirement then pension is likely the best place to store it (there are some nuances where that’s not the case), if you might want access to it then a stocks and shares ISA will normally give the best tax-sheltered return in the medium-to-long run, an index-linked tracker is a reasonably safe bet.

£800 for me on £40k. That’s £1525 since March (Got them in Jan, they miss the first draw of Feb) Impressed so far….I’ll no doubt get bugger all for the rest of the year.

£125 this month. £13,000 premium bonds and no mortgage aged 36. Not due to handouts but overpaying low % mortgages all my life. What would you do in my situation

Breed.

Nothing for me again, last was £50 in November with £6.5k in bonds.

A whopping £50.

Sure you aren’t reading last months? Mine says wait til tomorrow.

No. The draw was done today and it’s on my app from 23hrs. Like every month.

I have my wife’s and mine on the app, she won nothing, I have yonwait until the 2nd.

Sure you aren’t reading last months? Mine says wait til tomorrow.

As far as I can make out, if you have the NS&I app (so the proper full beans one, not the prize checker one) and you have your preferences that any winnings are reinvested as bonds….

You can see an hour before midnight on the day before standard announcement day, in your transaction history, if you’ve ‘won’ anything.

I can see now for example that I’ve got 2 x £50 pending, and it’s 23:35 on 1st July.

This also means I’ll still be going to work tomorrow.

Hope that  helps.

Nothing this month for me or Mrs Jl

My lean spell persists…

Ta for prompt as forgot, 1st month max holding, 400 quid.  V happy, tax free too.

Me nothing for the second month in a row.

Mrs zip £200

Mrs zips mum £350.

All maxed out. I’m feeling unloved.

First time ever.
£125

£100 for me from 6k invested. So £200 in total this year

£50 for me

£0 for my better half

Not a great return this month

Nothing for the 6th month on the bounce for me on £10k holding.  £200 for the Mrs.  Maybe they’re saving all mine up for a mega end of year payout?!

£0 for me.

I did take out a chunk to buy the Octavia in the other thread though. I’ve added the sale of the Yeti back to our much reduced pot.

£375 here. Not too shabby.

£1000. Ya beauty!
Makes up for months of nothing 🙂

£25 on £3650 investment. First win this year.

Another lean month with a pot of 26k.

£200 between the two of us this month

Nothing again – I have not won a single penny since November 2023 (£10k investment). Shocking.

£50 for me. Not complaining after last month’s decent win.

I’m tempted to withdraw a substantial chunk next month if a decent win doesn’t materialise and drop it in a 5.1% savings account for a few months then return it to the premium bonds when the interest rate drops early next year. 🤔

£50 last month
£125 this month
Between 4 accounts ranging from £500 – £13k, kids have separate accounts and the Mrs running away fund…

We have an extension to pay for so have been debating for 2-3 months now where best to actually save for it, PBs keep winning but obviously that can stop at any time, savings account seems to be slowly dropping too.  Where do people save up for extensions nowadays, no remortgage option available to us 🙁

£75 for me

Where do people save up

5.1% in a chase savings account until January. So that’s where any extra cash goes.