Overdraft Charges, Tough Shit

I don’t know what all the fuss is about this, I make an effort every month not to go into my overdraft. I couldn’t actually tell you if I get charged for it or not if I dip into it.

My point is, it’s an overdraft … I should be able to manage my finances well enough that I don’t go below zero. If I do go below zero, I should be penalised.

The exception to this is if it’s an error that isn’t my fault, for example my salary is late into my account, or a credit cars takes the full amount rather than a set value. If that happened, I wouldn’t expect to be penalised.

Banks are a business, yes they may charge a disproportionate fee, but that’s how they make money.

I shouldn’t have to pay sixty fucking pence for a packet of Maltesers from my work vending machine, but that’s what they cost. It’s a business … people are out to make money.

I bet most of the people who dip into their overdraft and are complaining generally live outside of their means … it’s simple, buy one less takeaway a week, don’t go to the pub this weekend, don’t buy that videogame etc …

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