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Originally Posted by SMHarman
Had you thought about opening a second bank account, transferring a lump sum and all your direct debits to it, that way the total for your bills goes into it on pay day and your dd collectors can withdraw over the month. At the end of the month the balance should be near 0 and the process starts again.
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Good idea

and I have thought of doing this but its getting the time to get down the town and do it (i'm a lazy sod really

) although it would make life alot easier