Purposely Overdrawn

If it's gonna cost you thirty bucks you might consider buying something of good quality. I've been in similar situations and tried to buy something that would outlast the extra charges I was going to have to pay for being overdrawn. Maybe you can find a good pair of shoes on sale that might be worth the extra thirty.

In the past I have yes. I don't do that with the checking account I have now because they not only charge you an overdraft fee, but they also charge you $8 per day that you are overdrawn. Did I mention that I need a new bank?

I wouldn't overdrawn my account for any reason on purpose. I would probably consider getting money from my friends for few days and pay them back with small gift that cost less than $30 bucks....so they know how much I am happy with their help.... Hope you manage the situation and your son has shoes to wear....

Ouch! Been there done that....those fees just seem to snowball and roll over top of you in the end. Be careful! At one point, I was in a lot of trouble for this type of 'borrowing' from yourself and it's not easy to get out of once the hole gets dug deeper. be careful my friend!

I have overdrawn on my bank account before as well and it's not fun. I'm hoping to start to save money for my fiance and I after the wedding so that we'll have enough for a rainy day like you had. I would first want to see if there was any family members first that had hat I needed or want, but hey, I know these things happen. Money is tight right now for everyone. Sorry you had to overdraw thirty dollars but when push comes to shove, your son's health and looks were more important, and I don't blame you.

Hi Kats: I tried to post this the other day right after you started the discussion but my silly machine and or firefox or whatever ate my post; I don't see it here so I'll start again; Don't feel bad lots of us who have had to do things we didn't want to do to just get by... I've had to do it a lot of times, but since my identity theft I no longer have a bank account so I don't have any over draws now; but I do understand your need of having to do it, so don't feel bad and don't kick yourself either you are doing it so your son can have some shoes to wear; I never did it either for frivolous things I did it cause I needed either food, or gas for my car or pet food something in that nature; so I do understand what it like; hang in there! Ok stupid machinery lets get this posted this time...GGRR!!

No I have never done that....it got close to that a few times when I wondered where our next meal was coming from but I didn't because I couldn't afford the overdraft fees...

There might have been a time when I was young and stupid that I would have overdrawn my bank account on purpose, but long ago learned that the result was much worse than the crisis I was facing at the time.