The sum total of my savings. What should I do to make it work better for me. Currently I'm using an HSBC regular saver to put money aside each month, then what? Ideally I would love to be a home owner at some point or It will get sucked up on the kids uni fees. Any advice is welcome
So don't leave it a savings account-at current interest rates you might as well be burning money. Buy safe stocks with it. You can go to a broker for profession advice or do it yourself using a service like Hargreaves Landsdown
How old are you? If under 40, then you can put money into a Lifetime ISA - up to 4K a year and the government adds another 25% on top. It can be used as a deposit on your first property or cashed in tax free after 55.
Other ISAs would also bed good options - we’ll invested money will give you good returns. In savings accounts you tend to lose money as the interest rates tend to be below inflation.