<prompt> Human: I recently got a new job with pretty good pay, so after I pay off my overdraft Ill have about 200 a month to save, however I was wondering if there was any ISAs or bonds that are particularly good to use with my expendable income. I was thinking of buying into some premium bonds however Im not entirely too sure how they work, do they have risks?  <response>: Bear in mind that an ISA might be an attractive option right now, but the Help To Buy ISA will be a much better solution if you intend to purchase a home in the nearish future. This ISA allows you to set money aside up to 200 per month up to 12,000 for purchase of a home, to which the Government will add 25 to the value you have accumulated. I do not know your personal situation, but entering into an ISA now will mean you are unable to open a help to buy ISA until a year later, delaying the benefit of this scheme. 