Managing your money effectively, day in day out, means knowing when you have money, when you need to pay things off and when you need to be more careful. You don't have to think about it every minute of the day - a bit of discipline at key times is all that's needed.
1 Set-up standing orders, so you can pay your bills at times when you know you'll have money in your account. Set them up just after payday and you'll avoid surprises at the end of the month.
2 Then set up any standing order payments in the same way - and make a note of the dates they'll fall due.
3 Check your balance regularly to make sure you're on track. It's easy to do this by registering for Internet Banking, Offshore PhoneBank or Telephone Banking
4 If you know you're going to be stretched at the end of the month and need a bit of extra flexibility, you can talk to us about applying for or increasing your overdraft. It helps to do this in advance. Remember to view your overdraft as a temporary arrangement, rather than long-term facility.