I cant understand why people get an overdraft to live in, I always thought an overdraft as an emergency loan/benefit
Surely a few months of pennt pinching to get in the black, then another couple of creating a buffer in your account.
I only have an overdraft of £300 which I have never used, and been careful enough with my money to have a grand buffer, ie when my account goes down to £1000 I say to myself I am skint,
That way if I get hit with a big bill or summat equally shit, there is no major stress or panic in funding the fucker.