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In this week’s episode I answer a handful of questions I’ve received from listeners and readers.

The first question is from Jonathan about Nectar points

“Hi Andy. I have amassed 41,171 Nectar Points over the years ! But what can i do with them and are they actually worth anything and if so, WHAT ? All i can see on various websites is, how i can earn even more of them ! More of them ? I haven’t got a clue what to do with the ones i already have, let alone earning more of them !!! Can you advise me what to do please ? Thank you. Kind Regards Jonathan.”

Then I tackle two questions about the lifetime ISA. The first is from Stephen about keeping it until you retire.

“Hello mate I’m 37 and thinking of just putting 20poundsd a month in till I hit 50, just as some extra money. The plan is not to touch it for 13 years. If I die does my next of kin get the money? I can’t find any info on what would happen. Thanks mate.”

Then a query from Mike about using the LISA to buy your first home

“Hi – I have a Help to Buy with ~£5.5k in it at the moment- can I transfer this over to a LISA and add another £4k before April 5? So keep paying into HTB – transfer to LISA on say April 4, add £4k extra as well, then add £4k on April 6? Would that be allowed? Many thanks”

Finally, not actually a question. Instead it was a tip from a regular reader. Pete got in touch with the following message:

Hi… I just read your piece about free radio times issues. I get the magazine free every week through an online library. You just have to join them online, without ID, and you have access to free magazines… So I get Q, Esquire, GQ, Empire, Radio Times, Webuser, Cosmo, Vogue and more for free!”

Listen below to all my answers.

If you’ve questions for a future Ask Andy, either get in touch via the contact page or tweet me at @AndyCleverCash.

It would be fantastic if you’d leave a review on iTunes or other podcast sites to help other people find us (the more reviews and ratings, the more likely it is they’ll appear higher up the charts). You can also subscribe and download on your phones so you never miss an episode!

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This week’s links

Nectar points

Lifetime ISA

Free digital magazines from your library


 


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