A practical comparison of the Lifetime ISA's 25% bonus and withdrawal rules against ordinary savings accounts when you are saving a deposit for a first UK home.
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Set a Christmas spending cap, save for it in advance and use credit deliberately — so December stays fun and January doesn't turn into a repair job.
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How to set a realistic emergency fund target, choose an easy-access account that doesn't lock your money away, and decide when it's genuinely time to dip in.
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