Where can I put my money that won't make me angry?

Don't listen to these people, they'll all tell you to get what they have :p

An ISA is a great thing to have, but it's also best to manage it carefully (once a year or so is enough). Read up here: http://www.moneysavingexpert.com/savings/best-cash-isa - that site tells you why you would want one, how to manage one, and what the best interest rates to restrictions are currently. Generally speaking you should max out your ISA before you start investing in markets as it gives you a solid rate of tax-free return that you can base your next financial adventures on.

Edit: Sparky ^ is also bang-on. Fees and interest on debt always trample all over any interest you can earn in a savings account of any kind, so by putting money into savings instead of pumping it all into repaying debt, you'd be costing yourself money.

Oh yes .. I will only ever tell anyone to be the same as me. Because everyone is exactly like a 28 year old angry bastard who works in Bournemouth ... try profiling that shit.

.. some of use actually recommend shit because it has worked for us or we have heard stuff that might work for someone else and tell them to check it out. Then the choice is up to them.

Tell you something why don't you explain why this or that is shit since you are so enlightened ... rather than given a link. Not only that there is a link with a modal window to distract you, and then there are reams of text to confuse you. If it was a money saving expert it would explain it as easily as possible. 75% of the information there could be shown via a table.

Maybe I dunno in well written article that consists of 4 or 5 articles with relevant links.

infuriated ranting

Calm down, francis.

All true, except that it does not take into account the value place on utility and access (or liquidity). A tenner in a savings account is easier to access than extending debt by a tenner.

Depends on the savings accounts you buy, I suppose. I mean if you're a spaz like me you get the really restricted savings accounts where you lose all your interest if you even so much as consider removing a single penny from the thing and putting it back the next week.

Notes under the mattress is the ultimate in liquidity though!

Personally i would invest in fine wine

Seriously

Not to drink, but bought , stored in a bonded warehouse, vintage wines have been producing ridiculous returns recently.

What's the long term return for wines? How is it tracked? How does past price performance relate to future price performance? Will by bottle of Blue Nun be worth keeping or selling?

Blue Nun is not fine wine no matter how long you leave it. Fine paintstripper, perhaps.

Actually fine paintstripper could be a go-er, too. We could open a shop in North London somewhere catering to the upmarket DIY crowd.

If you can get an interest free credit card like M+S which is interest free for 15 months you can put all your normal spending on it, stick your corresponding wages in a high interest account/ISA and then at end of deal you pay off CC with savings, trousering the interest and a load of M&S vouchers. Can be worth £x00s if you have the self discipline.

If you can fit 15 month's wages in an ISA then you've got serious money worries.

Sin items: Alcohol, Tabacco, Gambling, sometimes includes Arms & Weapons

There is an ethical question attached to these stocks/funds but if you can live with it then it is an option.

Fuck off ... just fuck off. Why don't you go and fuck off.

I expect you made this post using a computer of some kind, which is usually made by the chinese who have no respect for human rights ,.. than throw away your computer. If you are posting from iPhone the motherboards are made by foxconn which are known to terrorise their employees to suicide.

So don't lecture use about rights and stuff.

Wow, massive overreaction of the century...

Cov is suggesting it as an option, and noting some people might have an ethical objection to it, he's not saying he would or wouldn't do it, and he's certainly not lecturing...

That talk of Foxconn "terrorising their employees to suicide" is a bit much. I've written a lot about Foxconn. If you look at the size of their factories, then the number of suicides tells a different story. In fact, the suicide rate is slightly lower than that of the UK as a whole. Not to say that there aren't serious problems with employee rights, but that's a simplistic and ignorant view you're taking.

Calm down, francis.

Well it was the usual bollox of over complicating shit.