u/trapbuilder2

I am still waiting for my business account to activate, in the meantime can I purchase some equipment for the business on my personal credit card, then pay myself back with the business card when I get it?

Hi guys, currently 25 years old on a 13k salary (plus an average of 5k for overtime and bonus for a total of 18k on average). Savings wise I have 10k in a moneybox LISA (opened in march, maxed out for previous and current tax year), 500 in a cash ISA, and just under 3k in a NatWest Regular Saver account as an emergency fund.

I still live at home, so I don't have too many necessary expenses to worry about beyond the £300 I contribute to rent every 4 weeks. Every payday that 300 goes out, 150 goes to the saver account, plus I plan on putting an additional 500 into that cash ISA. This leaves me a bit of spending money, which is mostly used to pay off rewards credit card payments (in full, every payday).

I'm stuck in my current job for another year (I get shares that should value around 10k assuming the price doesn't tank), but after that I will be looking to shift to a job with (potentially) better pay and (definitely) more hours.

I'm just wondering if there's anything obvious I'm missing to maximise my savings in the interest of maybe someday being able to buy a decent house. North Yorkshire if the location is important.

Thanks in advance