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How can I get rid of a smallish overdraft?
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My existing overdraft is with HSBC, but until the overdraft is paid off I'm going to keep my salary going into it, then transferring it across to the A&L account each month. The A&L account will be used as my current account and the HSBC account I will just treat as a debt. Once the overdraft is cleared I'll transfer my salary across and close the HSBC account.
I get the maximum amount of childcare vouchers too, although I have to top this up as they don't cover the whole fee.
Think I've covered all bases............!0
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