How and where do you save money?

[One]

I'm just interested to see what people's thoughts and opinions are on where they save their money. There is a lot of options available and I know there will be people who will have used a lot of different sorts of savings options, be it ISAs, savings accounts, investment funds, etc; I'm hoping you'll be able to share your experiences with them.

For example, I know that premium bonds are an absolute waste of time, your money is very inaccessible if you were to need it for an emergency and the return you get on your money is neither guaranteed or at an average rate comparable to other options. You can however win a million quid which I think is the appeal.

 

[One]

Why on earth would you keep money in a safe in your house when you can save it in a variety of government guaranteed institutions where even the worst case scenario is better than the 0% return (or negative if you want to include inflation) you're currently getting?

Exactly, if the **** did hit that fan and all cash in banks were lost the paper money he's keeping in his safe wouldn't be worth squat anyway.

Question about ISAs, you get ~£5k, at the end of the tax year, can you put more in the same one or do you have to open up a new ISA and if the latter can that ISA be with the same bank?