Friday already?

My bank have made a recent change that I both like and find irritating. They’ve stopped factoring my small agreed overdraft into the display of my available funds. It’s a small thing but I applaud it as a tool for making me have to think before using it.

There’s also an automated text to notify me if I do use it, and offering the carrot of not paying charges etc if I go back into credit by a certain time in the evening. You get the idea.

This morning I was moderately tickled to see I’d gone five pounds in to my overdraft yesterday, and received the expected text, then another text when I didn’t meet the deadline, promising more charges for as long as I was in the overdraft. Then within minutes of that my pay went into the account – and silence has fallen.

Must be a Friday