Originally Posted by
warrenpenalver
Its a hang over from being unemployed for 8 months where i needed the overdraft to survive!!! I was mostly out of the overdraft anyway (and was in the black every pay day as well), but i needed the overdraft for parts to get car on road - ie unexpected costs. Not everyone has loads of money to save to have a big savings account for "rainy days".
You thought you needed the overdraft to survive, because you spent your way into it, I very much doubt it would have been needed had you tightened up on your spending from the day you went unemployed, Its a shit thing to do but you gotta make some sacrifices.
Its not about having loads of money either, its about not spunking your money away and cutting costs to get yourself back on track financially.
Years ago when I was young and daft I went through periods where I had a 10er to last me a week, 7p packets of supernoodles and corporation pop was my menu for the week, wank way of life but i sacrificed so I dont go there again.