Premium Bonds: NS&I announces July winners – have you won £1million?

James and his family had always been frugal, although he admits “my friends would call me tight”.

He told NS&I how he would shop for clothes in charity shops, had credit cards but never used them and paid for second hand cars in cash.

To have a windfall sat in his bank account was a shock and he didn’t spend anything for the first few months.

Since winning the jackpot in August 2014, he has spent a lot of time thinking about how to use his windfall wisely.

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