overdraft fees

[d000hg]

...

An overdraft is useful as a short term bridging loan... a few days a month if you income/outgoings dates don't match up nicely. Otherwise I agree it's a bad thing.

[AtW]

If 5% is not worth having on your investments, you're too stupid to have investments.

5% on £5k per year cash ISA isn't worth my time. If it was not limited to such pityful amount then it would be fine though.

[escapeUK]

5% on £5k per year cash ISA isn't worth my time. If it was not limited to such pityful amount then it would be fine though.

As far as I know, the 5% ones require you to lock up your money for years! And Im talking 5 years, not 2.

[AtW]

As far as I know, the 5% ones require you to lock up your money for years! And Im talking 5 years, not 2.

d000hg thinks it's a smart investment ...

[d000hg]

5% on £5k per year cash ISA isn't worth my time. If it was not limited to such pityful amount then it would be fine though.

Surely you have £5k from each previous year plus all the cumulative interest AtW? You should have loads of cash in your ISA.