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I'm pretty good. And I think a big reason for that is the quality of UK banks for service, compared to Canadian/ US banks (I've had first hand experience in all three). In the UK you can send online payments for free and instantly ,as well as setting up direct debits to pay off bills etc. Plus most of the big UK banks have budgeting tools or savings calculators built into their online banking, so it's pretty easy to manage your money.