How do other people find managing money? Two years ago I was in a fairly comfortable position financially with a good job and savings as a young professional. That was before ME, and perhaps desperately spending thousands on Test and treatments in the hope of staying at my job position. Now I find myself in a position where I have a baseline £0 in my account, but thankfully still have the support of my family, and my Dad can provide an amount that I can use each month for food, supps, and whatever else is termed as a living cost with ME. I don't have an Overdraft on my account which means that whenever I go into the red, I am getting fined £5 a day for being overdrawn. I have racked up huge charges unknowingly, on days when I haven't seen the warning message I receive and haven't had the energy or focus to do 'banking'. I don't really have the energy to go to the bank and negotiate an overdraft and reversal of fees - so I generally just find myself in a bit of a pickle - it's a nightmare. Thankfully at this stage I don't have a family, house, bills to pay for. But it just makes me super aware of the strains that older folk with ME must go through. And the impossible task of managing finances, not to mention the added stress that will exacerbate symptoms - this is the side of things that the public just don't know about, isn't it crazy? I have applied for PIP/ESA in the UK, but don't feel I have much chance of getting anything since I am between a 3-4/10 on the scale. This is despite the fact that I have worked for 3 years and have paid taxes - it's infuriating. Can anyone provide any advice on finance management? or explain how they cope? any top tips for debit/credit cards/overdrafts etc?