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ysl replica bags china It might look like a small change but NS interest rate calculations could hurt your pot. (Image: Blend Images)Get money updates directly to your inboxSubscribeSee our privacy noticeMore newslettersFinding a bit of spare money to put aside after all of the essentials are ticked off is difficult enough for many of us a study from Skipton Building Society earlier this year found that a quarter of adults in the UK have no savings to speak of, with more than half wishing they had the spare money to squirrel away.And even when you do manage to build up a savings pot, finding somewhere to put it where you will get a decent return is just as tricky. According to facts, around a third of the savings accounts pay LESS than the base rate of 0.75%.There’s been yet more bad news for savers to swallow too with the news that National Savings Investments, the government backed savings provider, is changing the way it calculates interest payments.And it all comes down to a single letter.Why beating inflation is importantInflation basically means the rate at which prices are going up.That’s why finding a savings account that pays a bigger rate of interest than the current rate of inflation is so important it means your money will be able ysl bag replica ebay to buy as much later on ysl replica belt as it does now.If your account is paying less than that, while your savings balance will go up, it still won’t increase by enough to keep pace with the rising cost of living.This hasn’t been easy over the last couple of years, with inflation relatively high and savings rates low.Top paying Lifetime ISA account ysl kate replica opens for millions of savers how much you can get on top of a bonusAnother key consideration here is that there isn’t just one measurement of inflation.The most often used measurement is the Consumer Prices Index (CPI). ysl replica bags china

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