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After reading this, have you considered having an account where all your income is deposited, maybe a mortgage offset account. If you don't have a mortgage offset then open an account at a different institution, arrange a DD then put this card in a cup of water and leave in freezer. Link this...

Maybe have an account with a different financial institution, set up a regular deposit to that account and then leave it off your favourites list. Make it so that the log in details are somewhere else eg: If you spend when at work then leave the log in details at home, if you spend when at...