so my bank account reads as minus £1,565.76 p. haha good ole student overdraft i say but no, 2010 will be the year i get out of my bad spending habits and really start to save some money. By january with the uni grants i should be down to minus £400 (if i spend wisely) and who knows, by the next lot of grants in May i could be positive by £200 if i start saving wisely. I Just have to live off the money i am earning from work rather than the money i can get with the free overdraft. shouldnt be too hard….