In reply to TheDrunkenBakers:
Me and Mrs Tc have got six regular saving accounts set up across three different banks at the moment, the ones you can only drip feed 250 or 300 quid a month in, but which pay 5 per cent... So we tend to keep most savings in premium bonds, withdraw enough each month to feed the reg savers... And when the reg savers mature we put the dosh back into bonds and then repeat. Never won more than the odd 50 or 25...but hey ho. Feels like the chance of a decent win however remote is still worth a punt, and we're able to get a decent ish return on the six reg savers.
Just noticed of course that hsbc and first direct have now dropped new reg saver accounts to 2.5 percent which is a pain. M and S are still doing 5, I think... But probably going to follow suit.
As a new ish proud grandad i also bought the nipper fifty quids worth last month with an aim of starting a bit of a tradition of bunging in a hundred every birthday and christmas, so when she turns eighteen she'll have a nice little bundle... With the Strict understandibg that if hers hit the jackpot we split the prize two ways... 😄