If you usually spend your whole income and often (or always) dip into your overdraft, look for an account where you can minimise interest and charges. Andrew Hagger, of Moneynet, says: “If you are only overdrawn a couple of days per month then Halifax Reward is worth considering. You are charged £1 per day if you go overdrawn by £300, and £2 per day over £2,500, but you receive a payment of    .. more …