<prompt> Human: Welp, Ive fallen farther than I ever thought I could. I stretched my budget too thin and didnt pay attention to my finances because I knew I wouldnt like what Id see and was scared to deal with it. I thought I was getting in better shape and didnt realize I had overdrafted my account, between some automatic payments, and othe rrandom purchases, I overdrafted my account 15 times. Over 500 has been taken from my account. I spoke with the bank over the weekend. They assured me someone would call on Monday to see what we can do about some of these fees. I have a feeling the might take 1 or 2 off, maybe 3 if Im lucky, but is there anything else I can do? It really kills me what kind of money Im literally flushing down the toilet. Im going to call the bank today, but was wondering if there was any advice I could get here before I speak with them.  <response>: The best thing you can do is to just not have 0 in checking.You should also learn not to put your head in the sand when shit is hitting the fan.I would strongly suggest instead of operating at or around 0, that you quit spending on anything that isnt absolutely essential and that you build up to at least one checks worth of money in your checking. From there, use the same money you arent spending to pay off the CC debts. From there, use the same money you arent spending to raise the balance in your checking up to one months worth of money in checking.After that point, your 0 remaining figure will be the One month worth of spending figure. If you spend 2000m, then you spend zero on non-essentials if you have less than 2000 in the account. You dont get to spend on non-essentials again until you are back over 2000 in the account.If you do this, you wont have to worry anymore about owing many hundreds of dollars in unnecessary fees. 