revtothelimit - motorbike forum

Nada.

£50

£100... yes 2.8% isn't a great return , I've got a H and L cash isa at 4.55, think 4.3 now, went down with interest rate change. Also from October my bonds were down to 46k. I'll probably just leave my bonds as they are and slowly top up the isa.

I was thinking about a SandSs isa but looked like there was fees involved and didn't want anymore of that. Last year I reduced my fees on my drawdown pension by cancelling " ongoing advice " as I'm now pulling off it and feel I don't need it.

4 wins totalling £125.

Dodgy69 wrote: Mon Aug 17, 2020 6:20 pm Anyone got any ? I've been told if you can afford a good few grands worth, it's payback is better than savings account. True or false ?

Soncwevlentvno1daighter50koirvretirn has drped significantly

Woo and lots of hoos

£100 < result.

crust wrote: Sun Jan 04, 2026 3:43 pm Woo and lots of hoos

£100 < result.

Dyfi 25th. Hotel 24th. Beers

Wife won £100 which was okay.

Going into the holiday fund.

Nowt again. Though I have bought some more last week. So for the next draw I'll have £9k in there, which in my experience is pretty close to the "prize most months" figure ?!

Jody wrote: Mon Jan 05, 2026 10:11 am Nowt again. Though I have bought some more last week. So for the next draw I'll have £9k in there, which in my experience is pretty close to the "prize most months" figure ?!

About what we’ve got.

We get a prize every couple of months on average, it’s not quite at the stage of monthly.

£50 shite, I got more interest from my isa this month.

When will you lot learn..? >smh<

Nothing, but then there is only £3k in there. I took the rest out to pay off the mortgage.

£50 for me this month. 2026 is currently standing at a mighty 0.75% return.

FA...so banging up the isa.

£100

£150

Surely though if you use that £150 then your overall stake in the course of the year goes down ? Due to the inflation factor and your £50k now being worth £49500 for example.

So the actual payments unless it's a big number, is self defeating ?

weeksy wrote: Tue Mar 03, 2026 8:54 am Surely though if you use that £150 then your overall stake in the course of the year goes down ? Due to the inflation factor and your £50k now being worth £49500 for example.

So the actual payments unless it's a big number, is self defeating ?

Dunno jack about inflation etc as i'm not a money guy. All I know is I've drawn out of the pot a few times to buy things, and it always replenishes itself. I don't even look, but eventually notice it can no longer auto-reinvest winnings and then transfers winnings to my eSavings account at my bank. So it feels like whatever I drew out money to buy was for free! Man maths at its finest...

Taipan wrote: Tue Mar 03, 2026 9:02 am

weeksy wrote: Tue Mar 03, 2026 8:54 am Surely though if you use that £150 then your overall stake in the course of the year goes down ? Due to the inflation factor and your £50k now being worth £49500 for example.

So the actual payments unless it's a big number, is self defeating ?

Dunno jack about inflation etc as i'm not a money guy. All I know is I've drawn out of the pot a few times to buy things, and it always replenishes itself. I don't even look, but eventually notice it can no longer auto-reinvest winnings and then transfers winnings to my eSavings account at my bank. So it feels like whatever I drew out money to buy was for free! Man maths at its finest...

Weeksy is getting the hang of this finance lark. I may offer him a job if he passed the Brylcreem and red braces application.

If inflation is running at 3% and your savings are earning 2.5%, you're losing money. Gotta take inflation into consideration.

I know I keep banging on, but there are better saving and investment vehicles out there. PBs are tax-free and govt. backed, granted, and you may win a fair chunk, but work out how much interest you are actually earning, then go Googling. Make sure any money is backed by the FSCS and you won't go far wrong.

Finance fact: Low interest rates spur inflation as your money is worth more today than it will be in six months time, so be sensible and buy a Panigale this afternoon.