Every week a Guardian Money reader submits a question, and it’s up to you to help him or her out – a selection of the best answers will appear in next Saturday’s paper.
This week’s question:
I’ve had a £38,000 payout for an accident at work. I’m 40, single, earn about £33,000 a year and currently rent in London. I’ll pay down £4,000 of credit cards, then probably use the money towards a deposit on a flat in a few years’ time. What’s the best place for it in the meantime?
Do you have a problem readers could solve? Email your suggestions to money@theguardian.com or write to us at Money, The Guardian, Kings Place, 90 York Way, London N1 9GU