It can often be much cheaper to get a short term loan than to go overdrawn for just a few days. If you have a direct debit or standing order that is returned because it would take you beyond your overdraft limit, the cost can be astronomical. It’s always important to keep careful check on your payments in and payments out. D
Don’t assume that your monthly salary is in your account and available for you to draw on untill you’ve seen it’s there. If your payment usually goes in on the 27th of the month and is unexpectedly a day late you may find that any payments you have scheduled for that day will take you overdrawn or subject to unpaid item charges. If the payment is to pay off your credit card you’ll be faced with a double-whammy – extra credit card charges as well!