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@christian39 Most people can't save that much.

@snaptikappmefr To add to the other answers, you need to declare all of the income, not just what you have converted to £

@kansas22 Your new name is 290Poory

@kansas22 In a calculator 5000 X 0.05 ÷ 12

@kansas22 About £21

@anotherklutz If you can save £500/month, you'll have another £4-5k in your savings next summer which is amazing. You're definitely in a stronger position than most.

@anotherklutz You're in a good position with £8k saved. I suggest you stop overpaying £100 into your mortgage and add that to your savings over the next year. If you open a Barclays blue rewards account you can get 5% interest and you can get 2.75% on the money you have above £5k in a notice...