The Overdraft Society examines how fees, timing gaps, scarcity, and normalized debt keep households living in the red. Mick Southerland explains the mechanics and psychology of recurring shortfalls, then shows readers how to map cash flow, structure accounts, automate protection, build a first buffer, and break the penalty cycle. This practical guide replaces blame with clear systems for regaining stability and control.
The Overdraft Society examines how fees, timing gaps, scarcity, and normalized debt keep households living in the red. Mick Southerland explains the mechanics and psychology of recurring shortfalls, then shows readers how to map cash flow, structure accounts, automate protection, build a first bu...