me in 30%。 上个月支票帐户只有400多元,老婆按摩要现金取了80我没注意,过了2天自动付地税(我家地税都是月付,一次付几千刀是拿不出来的),一下子 Overdraft了,发现后赶紧各处搜搜补上80元,但是已经晚了,RBC Royal Bank charge 我$5 Overdraft fee + $0.04 Overdraft interest
It's a lot better than paying the $30-$40 NSF charge if you didn't have overdraft in place.
I know a few local people who live from pay cheque to pay cheque, and was really under the pressure when there was a strike in my previous work place. They had no emergency fund in place and had to borrow from family to pay for mortgage and other bills. However in the following months they never learned to start saving and indulged on gourmet coffees and cigarettes as usual.