Sleepover with the Operation Overdraft Decimation Nation!
I can braid your hair, then we'll do our nails. Then we can talk about boys.
Wow, so circumstances are really conspiring to help me out with OPERATION OVERDRAFT DECIMATION. First my bestie Gail posts exactly what I need to do, and now Andrea at So Over Debt is offering advice on how to get rid of your overdraft.
Since I don't have the perspective of "how I got rid of my overdraft," I will offer instead a first-person, present-tense account of "How I am getting rid of my overdraft."
Step One: Re-frame how I think about overdraft in my brain.
Today, I had a little quasi-epiphany (quasipiphony) about overdraft. See, I very, very rarely use my credit card to buy stuff because I know I'm trying to pay down that debt (... and also, my credit cards are mostly maxed out). I usually pay for things using debit and/or cash.
But today's quasipiphony was that OVERDRAFT IS THE SAME AS CREDIT. It's not like cash. It's FAKE MONEY. It's BORROWED MONEY.
So, step 1 in getting rid of your overdraft is: realize that it's not the same as money.
Or maybe that's step 2. Step 1 was, I think, realizing that I need to get rid of the overdraft altogether.