#30 Tidying up accounts

I want savings accounts for the below...

1. Emergency funds - aim is to have £2629.29
2. France 2017 holiday - £56 per month for 12 months
3. Account for bills - £60~ paid in each month to cover bills over 12 month period
4. Another account for savings which aren't emergency - which are for fun and/or long term... TBD 

Currently I have:

1. Halifax Web Saver - Interest rate 0.25% - Nil - not used
2. Halifax ISA Saver - Variable Interest rate 0.6% - £1,648.56 - used for Emergency and France funds
3. Lloyds Classic Account - Interest rate 0% - Nil - used for bills
4. Lloyds Standard Saver - Interest rate 0.25% - Nil - not used

Possible upgrades: 

The Lloyds Standard Saver can be updated to a Monthly Regular Savings account with an interest rate of 2%. This still allows for withdrawals to pay for the bills, it'll be pennies earnt but better than nothing.

Actions:

- Upgrade Lloyds to higher rate savings account. 

- Update standing order to direct the bills money to the new Lloyds account.

- Separate the emergency funds and France 2017 holiday savings. Do this by moving the France savings to the Halifax Web Saver and changing the standing order to go to here automatically.

Soon I will be switching my current account provider to Coop. When this is set up I will set up a standard savings account to add any excess money into. When we do with that money is a discussion for another day.