so im after some advise and need some teaching on the following subject.
I have a bit of money that im unsure what to do with, its not a MASSIVE amount, but certainly decent enough to have sat there building interest and incase of an emergency. What i need to know is what are my options in terms of accounts, saving, interest rates, returns, lengths of investment etc etc.
the shear amount that comes up when searching 'savings account' and 'investments' is staggering, and full of banks bull**** advertising their own services. I need some good, unbiased opinions based on experience really, and some small lessons on how these things work etc. I did do financial studies at college many moons ago, but only very lightly covered things like ISA's and accounts and interest rates due to the vast amount of sub-topics within finance, so i've lost touch of whats what really, i need refreshing.
i dont particularly need the money right now and for it to be accessible, but, with what life can throw at you i suppose its good to have it ready incase of emergency, so im undecided on an account where i cannot touch it for 3 years or so. on the other hand, i dont want to be tempted by this money sat there, i need to be sensible, thats the foremost approach i need to take!
please, any experienced people enlighten me.