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@dooks
@Soul and Tiswas: Hexacterly.
I do live within my means (now) but i've struggled in the past and run up against problems very similar to Soul.
These days i'm much more careful and in a better sirtuation overall but the occasional mishap with my four-weekly pay cycle and monthly nature of all other bills can still cost me hundreds in penalty charges.
I notice also in that story that someone states that all you have to do is "make arrangements in advance" with your bank to avoid charges. Also not true. As described by Soul above, unless you're positively rolling in it anyway the banks are generally verrry reluctant to agree any additional lending these days. I've had applications to extend my overdraft in exactly these circumstances declined many times leaving me no option but to go over the limit. On one occasion i was able to tell the bank several days in advance that I unless some arrangement was made, a forthcoming direct debit would take me over my overdraft limit for a couple of days leaving me unable to access cash during that time. They declined to do anything to recognise this and I was forced to withdraw cash in advance and even further overdrawn that I would have otherwise with all the attendant charges and blah blah blah phonecalls from a call centre in India telling me off about it like an automated mum.
Very annoying.