Overdraft is not a fatality (nor a shame)
Many people are in this case.
Even people who earn a decent living.
Overdraft does not mean that you are doing nonsense: it just means that your month has no structure... and your brain does what it can.
The good news?
We can really fix this without falling into deprivation.
Why you end up in the red (the real cause)
Often, it is not a huge expense.
It is the combination of:
- variable expenses impossible to anticipate in your head
- invisible micro-expenses
- payments that fall on different dates
- months "that do not look like others"
And without a framework, you suffer your month instead of piloting it.
How to get out of it without tightening the screw like crazy
The goal is not to deprive yourself.
The goal is to avoid jolts.
Here is what works best:
Set a realistic "Groceries" budget
It is THE category that messes everything up when it is not framed.
No need to aim for perfect: aim for "probable".
Separate pleasures and essentials
When everything is mixed, you no longer know where it slips.
Create a mini "buffer" budget
10 to 30 € per week.
This is what absorbs unforeseen events (an Uber, a pizza, a last-minute gift).
Without that → guaranteed overdraft.
Know where you exceed (not "if")
The goal is not to be perfect.
Just to understand where it overflows a little each month.
How Boney facilitates this mechanism
If you want simple support:
- you create your essential budgets (groceries, transport, outings)
- each expense finds its place automatically
- you see immediately when it flirts with the limit
- and above all: everything becomes predictable
It is not a constraint, it is a safety net.
In short
Getting out of overdraft is not becoming "strict".
It is just setting a structure that avoids you living in the blur.
And as soon as you regain control, you breathe much better.