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Having Two Bank Accounts can Save you Money - Wednesday 1st July 2015

 have two bank accounts, one with card/ATM access and the other an online savings account (with the same bank) any money I transfer is able to be used immediately. What I've been doing is getting my pay deposited into the online saver account and only transferring money to the other account (with card access) when needed. As there is no money kept in my account with card access, each time I want to
use my card I have to transfer money over first, this gives me a chance to decide if i really want to make the purchase or not. each time i transfer money over to use i transfer the exact amount no no more, i also get to write in the description what I'm using it for (e.g. coffee) so I can keep track of all my purchases easily. I use the mobile banking app on my phone which means I can transfer money over to my card anytime I need to. For the first time, I actually have money in my account the second week of my pay fortnight.
Contributed by Ruby Anne