Little advice for anyone just starting out in a job. When it comes to arranging direct debits and things it's always a good idea to time them with the dates your wages go into the bank.

I transferred some money into my account three days ago. It hasn't arrived yet. Four direct debits came off today. I didn't have enough in my account to cover it. I'm being charged £30 for going over my overdraft and then £29 for each direct debit they cleared. So that's £146 coming out of my account at the end of next month in bank charges. Wonderful