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probably not much for cash (its a few quid at current rates), the real benefits come from shares in an ISA dont get Capital Gains Tax.

i used to do this, after a night out put the pounds over a fivers worth in a pot. would easily pay for a night out later in the month, which would otherwise get frittered away on snacks and casual spending. i wonder how more difficult it is to save with cards and touch payments? so easy to...

not pointless, very good idea to have some money available for emergency even if you have (modest, manageable) debts.