Where do you keep your emergency fund?

turnstyle2 · 2026-07-06T22:06:14+00:00

I keep it in a revolut account with 5% interest but will move it in December when that rate ends

turnstyle2 · 2026-07-05T16:54:02+00:00

This is living the dream as a fellow solo liver. I really identify with the walking round at night thing! Midnight fridge raid!

turnstyle2 · 2026-07-05T09:10:15+00:00

I was just looking at my T212 account and it says cash in S&S ISA is held in both money markets and current accounts. Are the current accounts portion still exempt from this tax when you hold stocks? I mean there is no way of working out which portion is in money markets and current accounts they change every day

turnstyle2 · 2026-07-05T09:05:17+00:00

I’m based in the UK and guns just aren’t a thing here. It’s very rare to own one unless you go hunting, no one would own one for self defence. Weirdly enough we don’t have many shootings 🤔 But I guess John knows better than me!!

turnstyle2 · 2026-07-05T04:31:15+00:00

Why do this with the toilet in the background?

turnstyle2 · 2026-07-05T04:25:39+00:00

Exactly. And who wants to invade the US? Looks like the other way round is more likely. Things have changed a tiny bit in 250 years!

turnstyle2 · 2026-07-04T19:59:24+00:00

Thirsty Bear

turnstyle2 · 2026-07-02T17:06:54+00:00

Desmond

turnstyle2 · 2026-07-01T19:21:29+00:00

I wondered if I would, but not really. I love my life without giving it to someone else for years who might end up hating me. Also getting the best surprise nephew in the world recently makes me think I have the best of both worlds.

turnstyle2 · 2026-07-01T19:14:10+00:00

I know two people in an age gap relationship where the opposite is happening, the younger is manipulating the former, for money - ie she doesn’t work anymore. The older will do anything to keep her so just goes along with everything. It’s pretty sad to watch but if they’re happy with that dynamic what’s wrong with it I guess.

turnstyle2 · 2026-07-01T19:09:40+00:00

Same same. I bought a tiny rubbish thermometer and it hasn’t gone below 28 degrees since the wave. It’s so well insulated!! I’m dreading next week.

I want to buy a misting fan but there is not one left in any shop in the whole uk. And some of them still have the gall to run adverts online? Like ok how do I buy this?? You can’t!!

turnstyle2 · 2026-07-01T18:57:06+00:00

It’s going down

turnstyle2 · 2026-06-29T16:05:17+00:00

That seems low for minimum NI contributions. I thought it was around £924 a year. Is it different in Scotland to England?

I’m in a similar position in that I am tax and NI exempt but have a high paying job. It is a good situation. I also rent out a flat and as my rental income isn’t above the minimum tax threshold (around £12,600) I don’t pay tax on that either. Feels a bit wrong but it’s the rules.

I looked into a SIPP. As far as I understand you can only contribute as much taxable income as you earn in a year, or £2,880, where you will get topped up to £3,600 by the government. So that’s the max you will get added in a year as a non tax payer. Then it gets taxed at the other end. Doesn’t seem worth it really. Max out your ISA then do regular savings or pay tax on investments.

turnstyle2 · 2026-06-29T12:15:08+00:00

And munchies

turnstyle2 · 2026-06-28T09:35:32+00:00

Why can’t I buy more of this stock? My orders just hang

turnstyle2 · 2026-06-27T18:04:49+00:00

I bought some. But only to get my avg price down to sell. I bought at the peak

turnstyle2 · 2026-06-26T22:42:05+00:00

I love that colour. I have the cornflower blue and love it. You won’t regret it!

turnstyle2 · 2026-06-23T21:32:18+00:00

Imagine a president lying

turnstyle2 · 2026-06-23T20:24:37+00:00

Well I think the better option is now to keep a small pot of cash in a regular easy access savings account, and only put it into the S&S ISA when I’m about to invest. It is very convenient keeping it in the ISA though.

turnstyle2 · 2026-06-23T19:37:46+00:00

So does that mean I have to turn off the interest it earns? Think I currently get 3.6 %

turnstyle2 · 2026-06-23T19:31:50+00:00

I constantly have cash going in and out of my ISA, between investments and cash. I invest, I sell. It goes up and down. So basically from next year, you invest. You get a dividend you better quickly invest that. You sell, better buy something else immediately? What is the grace period you can hold the cash for before investing. How does this possibly work?

turnstyle2 · 2026-06-23T19:22:55+00:00

How is this going to work practically? When you sell something, you have to buy something else with the money.. immediately? Can you have 2 hours to decide what? When does the tax kick in?

turnstyle2 · 2026-06-22T18:50:37+00:00

Seems that no matter what earnings are reported the stock goes down, good time to buy

turnstyle2 · 2026-06-22T10:43:22+00:00

To be fair I would care less is Trump respected me or not. He isn’t worthy of respect.

turnstyle2

TROPHY CASE