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Save up a lump sumAnother alternative is to save up the money necessary to pay off your overdraft debt, then pay it all off in one lump sum. This will most suit those who have an interest free overdraft or an overdraft at a low rate of interest, because you can save up the money while your account remains in the red, without being charged a huge amount of interest on the debt. If you are paying a high interest rate on your overdraft it may be more worthwhile for you to move your debt elsewhere rather than leaving it to accrue interest while you save up the necessary funds.

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