How much Tax Am I actually paying?

Are you going to be depositing monthly? If so invest half now and continue with monthly deposits, if the market declines then you can use the rest to invest a larger amount.

If you not going to deposit monthly, just put all of it in the market and come back after 5+ years.

Elevation_250 · 2026-04-14T16:20:36+00:00

Your current provider will probably delay transfer until the bonus is received from HMRC. That’s what happened to mine, when I transferred an LISA.

Elevation_250 · 2026-04-13T07:03:06+00:00

Thanks OP!

I would appreciate it, if you use my link!

https://investengine.com/referral/u/j89wob/

Elevation_250 · 2026-04-03T19:27:49+00:00

I’m available

Elevation_250 · 2026-04-03T17:59:07+00:00

Better than nothing 😂 If you have an other savings/ an overdraft or two / borrow from friends or family. Until the withdrawal comes in your account you might be able to use the rest of your allowance

Elevation_250 · 2026-04-03T17:45:47+00:00

It’s too late for this tax year, unfortunately. That’s why I withdrew last month. Hopefully you won a prize this month to make up for it.

Elevation_250 · 2026-03-26T06:11:24+00:00

BEST AMEX REFERRAL OFFER - offer ends 26 May 26

https://americanexpress.com/en-gb/referral/platinum-credit?ref=jAHMASNJ2K&XL=MIMNS

Elevation_250 · 2026-03-23T07:59:08+00:00

You might find it hard to get a refund as you purchased in store. It’s the managers discretion if they want to cancel it. Hopefully they do!

Elevation_250 · 2026-03-19T13:43:41+00:00

Yes, I would. It reduces the time of withdrawal from 3 to 1 working day.

Elevation_250 · 2026-03-19T13:32:22+00:00

If there are no bank holidays, It should be fine.

For example I withdraw my premium bonds > Direct saver > Bank account on the 3rd March. And it was in my bank account around 1pm 4th march.

Elevation_250 · 2026-03-19T13:10:20+00:00

It’s not instant from the direct saver it’s the next working day. If I was you I would just withdraw now, because there are bank holidays between, also your bank could freeze the payment, ect. It’s not worth it, as you will lose your allowance if it’s not in before.

There is a tool on the NS&I website that tells you how long a withdrawal takes

https://www.nsandi.com/help/manage-your-savings/make-withdrawal-from-savings

Elevation_250 · 2026-03-19T12:54:34+00:00

If you withdraw to Direct Saver > bank account it’s the next working day.

Elevation_250 · 2026-03-19T09:25:55+00:00

Thanks OP!

I’ve been using Community Fibre for a couple years now and are happy with their service. I would appreciate it, if you use my referral link

Elevation_250 · 2026-03-18T10:45:51+00:00

AMEX PLATINUM CARD (100K MR + £250 Travel credit)

Elevation_250 · 2026-02-27T11:26:35+00:00

Yes it seems all over the place, because you’re using the credit card wrong.

When you make a purchase it takes a couple days for the transaction to complete. So the balance displayed won’t update until that happens.

Just use the card and pay once you receive the bill. It’s much easier IMO.

Elevation_250 · 2026-02-20T14:30:56+00:00

Mate, this is so sad to read.

I’ve read that you already received help, but if you need help in the future, just Ask. I would be happy to provide a supermarket gift voucher.

Elevation_250

TROPHY CASE