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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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Better still..open a new account and transfer what would be
left over each month into the new account. That way you don't have to re set all your DD, transfers etc.
(Although thinking about it that 'left over' figure might be variable each month)