One thing I have started doing though is putting my joint account bills pot money into a savings pot first. I get paid on 21st and all my direct debits come out on the 1st. I used to just top the pot up and leave it.
Now I put it all in the saving and then move it out the day before. 10 days of interest is better than nothing. I probably should have been doing this before this change anyway TBH, but at least it prompted me in to a better habit.