You having a laugh??? when i was unemployed i had a £700 a month mortgage and earnings from pension of £640 a month (wasnt entitled to benefits)..... do the math, im already £60 a month in red without spending a penny on bills, food etc And your saying i shouldnt have used the overdraft??? and what?? not pay mortgage and be homeless by now??

Id already gone from using ALL the overdraft each month to using only half of it on living costs but unexpected costs for my car meant it made good "short term" sense to use the overdraft to fix car and pay off overdraft a bit each month (like i already had been doing).

I dont consider that particularly poor financial planning expecially considering ive paid off a £3500 credit card in 6 months of work which is pretty good going shame i cancelled the card otherwise it would have been useful now