People who consistently recieve overdraft fees in their bank accounts demonstrate an inability to manage funds properly. If you accrue more than 200.00 dollars in overdraft fees per year, then you could be saving 200.00 per year by knowing how to manage your money. All you have to do is never trust the amount that is reflecting the “available balance” in your account. You simply have to know what forthcoming expenses are going to happen, and what those future deductions will leave you with in the coming days. Believe it or not, most businesses fail because of the needless attrition of money from their accounts. You have the power to stop this pattern of behavior. You too can learn to Budget-In-Excel.