Money making me unhappy

[GROWLER]

Don't take the piss, and don't start hollering "well give it to me then" either.

Just banked a fairly substantial cheque following the sale of my deceased dads and step mothers flat sale. Been divided up by 2 and then the 50% remaining divided by two again between my bruvver and myself, so it's not an earth shattering amount, but more than I've ever seen in my account.
To be quite honest, it's making me feel quite pensive, as I'm worried about it just disappearing gradually over the coming months, and once it's gone, it's gone.
When I banked it, the knives were out immidiately with the cashier trying to pursuade me to make an appointment to come in and have a 'cosy friendly' chat as to how they could make it work best for me. Yea, righ'on sister. Bwankers.

So, apart from investing in a bit of equipment for Swamp 2 (risky enough in itself) paying off a small loan or two, ferkling the house up with some well overdue and totally unexciting and expensive repairs such as gutters, barge boards and soffits, what the hell am I going to do with it?
Invest?
WHERE though, as all rates are currently total shite, and the thought of this dosh just sitting in some bank 'earning' a couple of hundred quid over 12 months is totally unappealing.

Anyone got any sensible suggestions, as I'm boloxed if I have any tbh chief.
I can quite catergorically say, that money does not make you happy....unless it's of life changing amounts I suppose.

[GROWLER]

P'raps the gaggle of 'guests' that are currently reading this thread would care to join up or log in and make some suggestions? 

[Nick]

Just give it all to me. I am happy to take on your burden 

[Snoopy]

I recently heard a sensible argument in favour of placing any spare cash in Premium Bonds for the time being. It won't earn any interest but it is at least safe and should your number come up you would not be taxed on the winnings. Also you can withdraw by cashing in some or all of your bonds at anytime (takes about seven days). The "radio pundit" was actually a hedge fund manager who claimed this was where he was salting his spare cash away. Others on the Money Programme (Radio Four) agreed with him that this was probably a good way of ensuring that your money was safe, that any winnings would be a tax free bonus and that, all in all, given the current rate of inflation making interest virtually non existant he couldn't lose. Of course should interest rates improve you could cash in your bonds and place the money in an interest earning account somewhere.




There ~ you didn't expect a sensible answer did you ~ bet you are surprised

[Nick]

I heard the PO Savings bank was prolly OK too. Or Bonds, but I don't understand those, so ignore me

[GROWLER]

I heard the PO Savings bank was prolly OK too. Or Bonds, but I don't understand those, so ignore me

We normally do.

[Miss Demeanour]

Pay off your debts and do the things you have always said you had wanted to do but have always found a reason not to - that climb to the base camp of Everest for example 

Go on treat yourself a little and put some aside for a even rainier day 

[Darwins Selection]

Pay off credit cards then cut them up.
Half in premium bonds and half in an instant access saving account (online ones give slightly better rates)

If you don't like any of those, how about Turnip Futures?

[Barman]

Premium Bonds... after you've got a Blu-Ray player and full HD TV like... 

[Miss Demeanour]

Premium Bonds... after you've got a Blu-Ray player and full HD TV like... 

Just like me 

Except I didn't have the money to buy it just the desire 

[Barman]

Premium Bonds... after you've got a Blu-Ray player and full HD TV like... 

Just like me 

Except I didn't have the money to buy it just the desire 

Just like me... 

[Pastis]

Someone I work with from time to time told me they'd pulled out all their ISAs and put them in Blue Chips 

Might be worth enquiring and doing a little research. Failing that the premium bonds route's a good one but remember you're not in the draw for a month or two. I did that a few years ago and a couple of small wins made more than shoving it in an ISA.

I do like the idea of doing something you've always wanted to do but were too cash strapped to indulge. 

[GROWLER]

Pay off your debts and do the things you have always said you had wanted to do but have always found a reason not to - that climb to the base camp of Everest for example 

Go on treat yourself a little and put some aside for a even rainier day 

Have WE discussed this somewhere previously? 

[Miss Demeanour]

Pay off your debts and do the things you have always said you had wanted to do but have always found a reason not to - that climb to the base camp of Everest for example 

Go on treat yourself a little and put some aside for a even rainier day 

Have WE discussed this somewhere previously? 

What like in a previous life or something 

No - just aware of your preference for big hills like 

[GROWLER]

Pay off your debts and do the things you have always said you had wanted to do but have always found a reason not to - that climb to the base camp of Everest for example 

Go on treat yourself a little and put some aside for a even rainier day 

Have WE discussed this somewhere previously? 

What like in a previous life or something 

No - just aware of your preference for big hills like 

Yes. Must have been 'somewhere else', as I think I have made it public that it is/has been one of my life long ambitions to do just that.
If you guessed at it, then that is bloody spooky.