A couple of financial tips. Firstly, never close a bank (current) account; they are the devil's own job to open in the first place what with the growing list of ID and money laundering requirements.

Instead, just keep a few quid in there and forget about it; you might find you need another account sooner than you think, but make sure there are no standing charges to whittle away at this deposit in the meantime.

Secondly, if you go into a bank branch during your precious lunchtime and it resembles the queue for a Disney ride, try finding someone with a badge and explain that you would like a quick chat with an expert before you make your transaction.

If you're lucky you'll be taken into a room or booth and, after the chat, have the transaction done for you. Simple, and still time to buy a sandwich!

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