She is weighing up whether to switch banks or stay with Lloyds.
'The petrol vouchers with Abbey National are an incentive, but the interest rate is low. I do not want an overdraft as it will be too much of a temptation.
'Cheap CDs and tapes are also of no interest as I cannot afford them in the first place'.
She will review the position next year when she hopes to study medicine at university.
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