>>545035593
It's objectively not. Most banks here do a special saving rate that you can only put in a small (£100-£200) amount each month for a super high interest rate, like at least 2% higher than normal. The catch is you can't withdraw easily for the first year or so without losing the special rate. You could be putting the money into that for high returns in case of a rainy day instead of spending it on momentary pleasure.