Many people are now waking up to the idea that their future could financially be much brighter if they have the support of a rainy day fund. For this reason, consumers across the UK could well be thinking the time is right to look at the savings options available to them. With this in mind, it is important to make sure you have a savings account that works for you, offering all the facilities you need. In addition to a competitive interest rate, this could mean instant access or the ability to manage your account online, over the phone or in branch. At Lloyds TSB, we offer all of this and you can even open savings accounts with as little as £1. With the New Year approaching fast, now could be a great opportunity to think about getting your finances in order - which might start with simply opening just such an account. You may have started 2010 with the same idea, but very often unexpected expenses can crop up that put the brakes on such plans. If you haven't been able to top it up in the way you would have liked, it is never too late to give an older savings account a much-needed jump start. In fact, the sooner you do, the sooner you can begin working towards your individual savings goals. You might be saving for a deposit on a new home, thinking about your retirement or planning a holiday. For some, the forthcoming January sales alone will provide a good enough reason to save.
But if you're looking to make the absolute most of your money, you might want to think about the benefits Cash ISAs can bring. These accounts allow you to generate tax free interest and are available with both fixed and variable rates. Over the course of this tax year, you'll be able to put away up to £5,100 in this type of account and most of our products will allow you to manage the ISA online, over the phone or in their high street branches. While many people find that an ISA is the perfect rainy day fund, if your savings goals are more specific or longer term, you could well see them help you realise your dreams sooner rather than later. So if starting the New Year with a brand new attitude towards saving is something that sounds appealing to you, why not take a look at the savings accounts, ISAs and other options we at Lloyds TSB can offer. You can do so online, over the telephone or in one of our branches.