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@deleted
if you aren't paying much tax i wouldn't bother as the returns are so low at the moment.
i pulled all my isas/savings as i thought i was about to buy a flat and i haven't bothered to put it back. premium bonds are a good idea, have done o.k. with them but some people never win anything.
when the banking crisis hit i had an isa that was growing by £18-£20 a month drop down to £1.40