The two thousand pounds overdraft loaned to Laura was not a solution to her wayward spending. It occurred to me that I buy one too many pair of shoes, greedy spending, but I had Husband to reign me in. Laura did not share her bank account, did not need to confess her spending habits to anyone. Easier for her finances to get out of control, this was my way of thinking. I offered to help manage her account, explained it would make her conscious of her spending habits if someone else had an eye of her finance. Good idea, she agreed. Laura gave me her bank statement. She thought the offer so good she handed over her debit card. This arrangement did not last a week.
I discovered a spending pattern, on a night out several withdrawals of ten pounds were made. ‘Why?’ I asked.
‘I take out what I need, when I need it.’
‘But,’ I jumped in, my main concern was her welfare, ‘I don’t like you popping out of pubs, crossing the road, standing at the cash machine, when you’ve been drinking alcohol.’
‘Oh that’s okay, don’t worry about that. I gave my card to someone else to draw the money out.’ No alarm bells went off in her head, no warning of what a stupid thing this was to do? We argued. ‘None of your business,’ she said. Laura wanted her debit card back. She would manage her own funds.
‘Fine!’ I thrust the card in her hand. ‘But, don’t come crying to me, when your finances don’t stack up.’