out of interest - how much do you go overdrawn by each month (if you do at all!)?

[fairylights]

We have recently found ourselves regularly going about £200 overdrawn each month which was stressing me out (have a bit of a fear of debt having grown up in v cash strapped household) til i realized that we were paying about 40p a month to do this which seems ok to me. When i was out with some other mums the other night i realized that people can actually end up huge overdrafts which cost lots..
so it has set me wondering about what is "normal", if there is such a thing..
so if you don't mind divulging it might set my mind at rest about whether £200 is good/bad/average! cheers

We are sometimes up to £500 in the red at the end of the month in our joint account, but rarely. Most months we don't go over at all.

However although I don't like going into the red (because it costs!) I don't mind it too much because we are usually in the black in our personal accounts - it just means that the amount we normally transfer to cover bills etc was not sufficient for that month for whatever reason. We transfer a bit more the next month to cover it.

I don't think there is a simple answer to your q because I think £200 is fine, as long as you have a realistic expectation of covering it in the near future. If you are £200 in the red with no realistic prospect of clearing the debt then it's a problem.