{"id":8410,"date":"2014-05-22T03:30:31","date_gmt":"2014-05-22T02:30:31","guid":{"rendered":"https:\/\/www.pennygolightly.com\/\/?p=8410"},"modified":"2023-05-13T18:37:37","modified_gmt":"2023-05-13T17:37:37","slug":"thursday-treat-time-starting-treats-fund","status":"publish","type":"post","link":"https:\/\/www.pennygolightly.com\/thursday-treat-time-starting-treats-fund\/","title":{"rendered":"Thursday Treat Time: Starting a treats fund"},"content":{"rendered":"<p>As you may already know, I\u2019m a big fan of having the occasional treat and am looking forward to writing about them more regularly from now on. This site\u2019s going to be linking up with <strong>Work from Home Wisdom<\/strong>, an excellent source of all kinds of useful information for people who run their businesses from home, run by the lovely Judy Heminsley, to bring you even more treats.<\/p>\n<p><a href=\"https:\/\/www.pennygolightly.com\/\/wp-content\/uploads\/2014\/05\/Treats-fund-pocket-money-for-adults-how-to-save-for-a-treat-e1400701898502.jpg\"><img decoding=\"async\" class=\"aligncenter size-full wp-image-8413 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" data-src=\"https:\/\/www.pennygolightly.com\/\/wp-content\/uploads\/2014\/05\/Treats-fund-pocket-money-for-adults-how-to-save-for-a-treat-e1400701898502.jpg\" alt=\"Treats fund pocket money for adults how to save for a treat\" width=\"550\" height=\"275\" \/><noscript><img decoding=\"async\" class=\"aligncenter size-full wp-image-8413 lazyload\" src=\"https:\/\/www.pennygolightly.com\/\/wp-content\/uploads\/2014\/05\/Treats-fund-pocket-money-for-adults-how-to-save-for-a-treat-e1400701898502.jpg\" alt=\"Treats fund pocket money for adults how to save for a treat\" width=\"550\" height=\"275\" \/><\/noscript><\/a><\/p>\n<p>This week I\u2019ve been looking into starting up a new \u2018treats fund\u2019 so that I can save up for the occasional little luxury, or just buy myself a tiny something nice here and there that\u2019s guilt free. It\u2019s simple enough to budget a small amount of pocket money for yourself if you have regular wages coming in, and I\u2019ve also come up with a fairly painless way for <strong><a title=\"Incoming! How to pay yourself first if you\u2019re a freelancer\" href=\"https:\/\/www.pennygolightly.com\/\/incoming-pay-first-youre-freelancer\/\" target=\"_blank\" rel=\"noopener\">doing this with freelance income<\/a><\/strong>.<\/p>\n<h2>How to pay yourself \u2018grown-up pocket money\u2019<\/h2>\n<p>If you\u2019re very organised with your finances then you could simply keep this money in your current account once you\u2019ve allocated it. Unfortunately I\u2019m one of those people who finds it difficult to keep different bits of money separate, and instead of having a treat it seems to go on very non-lovely stuff like, say, paying the gas bill or buying multi-packs of toilet roll when they\u2019re on special offer.<\/p>\n<p>Another option is to work in cash, taking the money out shortly after payday and keeping it in a safe place. That\u2019s fine if you plan your spending best with cash, and you\u2019re planning on using it all up in a fairly short space of time. This wasn\u2019t the best option for me right now, because I\u2019m hoping to do a mixture of short term spending and medium term saving up.<\/p>\n<p>So I\u2019ve decided to open a new savings account just for treats. The idea is to:<\/p>\n<ul>\n<li>Stop my treats money being subsumed into boring everyday household spending, and keep it completely separate from other funds<\/li>\n<li>Earn a little interest if I decide to save up a bit from one month to the next<\/li>\n<\/ul>\n<p>I\u2019ve deliberately chosen <em>not<\/em> to put this in an ISA\/NISA account because you can only open one each year, and I want to use that particular option for more serious savings purposes with longer term plans.<\/p>\n<p>Next, I had a think about what else I wanted from the treats account, and decided it should be:<\/p>\n<ul>\n<li>Instant access for entertainment and bargains<\/li>\n<li>Something that could be opened with \u00a310 or less<\/li>\n<li>Internet banking so I can transfer funds in and out whenever required<\/li>\n<li>With an ATM card for quick cash<\/li>\n<\/ul>\n<p>That means I can start small, build savings up if required, and get cash easily if I decide to use my pocket money on a night out. I\u2019ll also have the option of making bigger online purchases using my credit card, and then be able to pay off the card immediately via internet transfer before interest charges are incurred.<\/p>\n<p>Unfortunately, generally speaking, the more convenience and flexibility you require from a savings account, the lower the interest rate it tends to pay. In particular, wanting an ATM card has limited the number of options, but there are a few available and it\u2019s still slightly better than keeping the money on the mantelpiece in an envelope. Harder to steal as well.<\/p>\n<h2>What did I find for my Treats Only account?<\/h2>\n<p>The best deal I\u2019ve been able to track down that ticks all the particular boxes is the <strong>Yorkshire Building Society Internet Saver Issue 3<\/strong> account, which comes with an optional cash card if you request one. It pays 1.25% gross interest per annum, and at least that\u2019s a standard rate rather than an introductory one that will soon drop.<\/p>\n<p>Please note that this does not imply a general endorsement of this account. In fact, I\u2019d go as far as to say it\u2019s the best of a bad bunch, but it fits my purposes at this moment in time and it\u2019s better than nothing. If you\u2019re looking for a savings account too, remember to carry out your own research \u2013 you will be able to find better rates if you don\u2019t want a cash card, for example.<\/p>\n<p><strong><span style=\"color: #800080;\">Do you have a separate account for treats or pocket money, or do you prefer to work in cash? What would you say is the best option when budgeting for nice but non-essential things?<\/span><\/strong><\/p>\n<p>[box type=&#8221;alert&#8221; style=&#8221;rounded&#8221; border=&#8221;full&#8221; icon=&#8221;none&#8221;]Don\u2019t forget to visit <strong>Work from Home Wisdom<\/strong> too, where Judy\u2019s interviewing Parissa Janaraghi &#8211; founder of the Movie Quotes &amp; More blog &#8211; about what treats mean to her and how they help to improve productivity.<\/p>\n<p style=\"text-align: center;\"><strong>*Come back and join both of us next week for another Thursday Treat Time!*<\/strong>[\/box]<\/p>\n<p><a href=\"https:\/\/www.pennygolightly.com\/\/wp-content\/uploads\/2014\/05\/Thursday-treat-time-medium-badge.jpg\"><img decoding=\"async\" class=\"aligncenter size-full wp-image-8412 lazyload\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" data-src=\"https:\/\/www.pennygolightly.com\/\/wp-content\/uploads\/2014\/05\/Thursday-treat-time-medium-badge.jpg\" alt=\"Thursday treat time medium badge\" width=\"200\" height=\"200\" \/><noscript><img decoding=\"async\" class=\"aligncenter size-full wp-image-8412 lazyload\" src=\"https:\/\/www.pennygolightly.com\/\/wp-content\/uploads\/2014\/05\/Thursday-treat-time-medium-badge.jpg\" alt=\"Thursday treat time medium badge\" width=\"200\" height=\"200\" srcset=\"https:\/\/www.pennygolightly.com\/wp-content\/uploads\/2014\/05\/Thursday-treat-time-medium-badge.jpg 200w, https:\/\/www.pennygolightly.com\/wp-content\/uploads\/2014\/05\/Thursday-treat-time-medium-badge-150x150.jpg 150w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/><\/noscript><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>As you may already know, I\u2019m a big fan of having the occasional treat and am looking forward to writing about them more regularly from now on. This site\u2019s going to be linking up with Work from Home Wisdom, an excellent source of all kinds of useful information for people who run their businesses from&#8230;<\/p>\n","protected":false},"author":1,"featured_media":8413,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[5],"tags":[],"class_list":["post-8410","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-thrifty-living"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Thursday Treat Time: Starting a treats fund &#8211; Penny Golightly<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pennygolightly.com\/thursday-treat-time-starting-treats-fund\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Thursday Treat Time: Starting a treats fund &#8211; Penny Golightly\" \/>\n<meta property=\"og:description\" content=\"As you may already know, I\u2019m a big fan of having the occasional treat and am looking forward to writing about them more regularly from now on. 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