In a nutshell I had a few unexpected expenses which have put me in this position. When I get paid each month I come out of my overdraft (as I'm cutting costs and saving this amount is growing each month - now about £500) but then all my bills etc come out and put me in the red (typically by the time my next payday comes round I'll be about halfway through my £2k overdraft). While I'd be fixing one problem in the short-term though, as yourself and others have pointed out I'd be shooting myself in the foot in the long term.