<prompt> Human: Im 22 and have a lot of time free how can I make the most of my savings?  <response>: If you only have 1,000 then you will probably need to keep this as an emergency fund in cash, not place it in something higher risk. I would suggest that you look at what instant access cash ISAs currently have the highest interest rate on moneysupermarket.co.uk or similar. Please note I have interpreted this as you live in the UK since you mentioned . If you live elsewhere you will need to find your local equivalent to an ISA. 