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I would recommend using an overdraft as much as I would recommend reading the daily mail.
But in all seriousness I have a text message alert that my banks sends when you reach an amount of your choice.
Re the toilet situation, this topic is worth its own thread but if you are following the advise from all good proctologists and using a squat stool then there is very little time for scrolling.
yafe
And this is a good point, what do people without smartphones do when they’re on the throne?