Direct Debits and How

computerwoman

Hi guys and gals I was just wondering how you all manage your DD's as some people I know make sure all there DD's go out on the same date each month, which would give me a headache, I would always be wondering if I had enough money in the bank, needless to say these people are now re-claiming back bank charges so I guess it doesnt always pan out well, me I only have 6 DD's rangeing from £5.25 to £37. what I do is the 1st week of the month (I have my Incap Benefit going every thrusday,) so the 1st week nothing goes out, then the second week I have 2 DD's going out £5.25 and £11.33 not much really the third week I have my bt going out and the fourth week I have my gas/electric and sky+ going out then whats left at the end of each month is mine to do what I want with like by a new fridge/freezer this week, I havent had to pay any bank charges doing it this way as I'm never in the red, so just wondered which ways you do yours and does it work.

D4WNO

I have a few, actually 99% of my bills are billed by DD.

I have them all set to come out a couple of days after payday. This way I know they ahve been paid and I know my limit for the rest of the month

sgx.saint

I let mine come out in a lump sum around the same day each month. I manage fine that way

Locana

I have a seperate account that runs alongside my main account for DD's only. When I get paid I just transfer the whole balance over and not worry until the next payday...

sgx.saint

I have a seperate account that runs alongside my main account for DD's only. When I get paid I just transfer the whole balance over and not worry until the next payday...

I used to do it that way too, I found it a lot easier to manage my outgoings.