Honoring fee

I am so happy to be a standard bank customer but this honoring fee kills me. I cancelled my car insurance and I was afraid they might debit me so I moved the money to my puresaving account ensuring that when every debit order is almost due I make the money available for that specific debit order. On Wednesday Cartrack debited me successfully only to debit again on Friday ********ly so. I was not expecting another debit order so I accumulated R100 in honoring fee. This morning Saturday I woke up to another R100 honoring fee of the payments done yesterday. Standard bank is not taking the money as soon as I make payments using my card but rather later. Transactions from the 8th only appears as transacted on the 9th and that leaves me at default because I am catering for payments as they are due. This is really disturbing me. Now R200 gone. I asked the bank not to honor my unpaid items and they said it is a system default setting. If I transact today I am going to wake up tomorrow with another honoring fee.