Savings advice

[fazersharp]

I'd second Premium Bonds too.  I've got £5k worth and have won £275 in the last year.  That works out to 5.5% so a pretty good return and you can take your money out any time you like.  100% safe too, unlike shares, at worst all you lose is the value against inflation.

Ok now the rest of your story --- how long have you had your 5k in the bonds