Oh I never had it. Just used my overdraft. I've not actually been "out" of my overdraft since I was first given it as a student back in 2001.
Within the space of two years I've spent almost £10,000 gone from £4,600 in savings to 5,000 in debt.
When I spend money I feel in control. I can't blame it all on codeine. I wanted the new iPhone 5 32gig last year so just bought it from Apple for £600, year before that bought iPhone 4s for £250 had to take out a new contract and 6 months before that bought iPhone 3gs for £250 from eBay.
So all my own fault.... When I think of what I've spent over the years. in 2003 I got obsessed with bidding on a load of RHCP gold discs which were like £100 (you know how these bidding wars get)...... I basically go through phases with money I either compulsively spend it on all sorts of stuff or I'm actually REALLY good with it, saving it, thinking of what needs to be paid out, etc, etc lol
Evey