Summarily bringing your debit order forward is not so simple
December, the month your banks don’t trust you to have any money at the end of the month
Handy things, debit orders: they free us from having to remember to pay companies at the right time and in the right amount — and the penalties should that not happen.
Off those amounts go on our chosen day of the month, and we know this because those payment confirmation SMSs go ping ping ping on our phone in a depressing but comforting chorus. Our creditors ask us to choose the day of the month we’d like them to electronically help themselves to what we owe them, and we choose one that aligns with when we get paid, naturally.
But things often go wrong when public holidays happen on our chosen date, or when December happens and our creditors are desperate to grab our money before we spend it on Dezemba things...