I'm with you on that Moobs, when i was at college i went though about £5 a day with ease! Now i'm at University the average daily spend is about £10, on tuesdays (when we goto the bar) it can easily be £20+ if i play the fruitee and have a few beverages.

In terms of bank accounts, i have one...my natwest account which my student loan goes into. My paypal account is also hooked upto this so i can easily transfer my funds to and from.

I have enough account in Abbey National (my savings account) although there really isn't alot in there anymore....maybe a grand.