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Overdraft fees can quietly drain your bank account. One automatic payment posts a day before your paycheck lands, and suddenly you’re paying a steep fee for the privilege of being a few dollars short. For people already living close to the edge, multiple overdrafts in a month can be especially damaging.

The first step is awareness. Review your account regularly and set up alerts so you know when your balance is getting low. If you see that a payment is scheduled to hit before your next deposit, contact the company and ask if the due date can be moved. Many are more flexible than their automated systems suggest.

If a reschedule isn’t possible and you’re facing certain overdrafts, some consumers weigh the cost of bank fees against the cost of short‑term borrowing. Products like payday loans online can sometimes be less expensive than repeated overdraft charges, especially if you repay the loan in full on your next payday.

However, this only holds true if the loan is a one‑time bridge, not a recurring habit. Carefully compare the total fees in each scenario, and think about how confident you are that the money will be available for repayment. Once the immediate pressure is resolved, consider organizing your due dates around your pay schedule so the same problem doesn’t recur every month.

A few planning tweaks today can prevent a string of small but painful fees tomorrow.