Then you have the good fortune to be financially secure. I'm also from the UK and have held a decent job for a few years now, but I've lapsed into my overdraft

Then you have the good fortune to be financially secure. I'm also from the UK and have held a decent job for a few years now, but I've lapsed into my overdraft on several occasions. Admittedly this was some times due to poor planning, but some times it was unavoidable.