I've been in the red at VR Bank for three months. Is that bad? I've been struggling for the past few months and didn't want to touch my savings account!
I pay €3.90 with VR Bank Online Banking, plus interest, around €6-8. I paid with VR Bank Online Banking and an overdraft. That's perfectly fine, right? I could go €2,000 into the red, but that'll never happen. It's not bad to go into the red every now and then, is it? I work. I've had a full-time job for five years. And I've been in the red for three months. That's not bad, is it?
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It is stupid to leave amounts in the savings account if you are in the dispo.
Take out the expensive dispo as long as your savings and the same.
After that you can fill your savings account again.
Okay. But 6-8 € 3,90 € online banking plus interest is not really much..
And yet you can save yourself.
I generally avoid going to the minus, even if it should be very little. If it gets tight, I’d “shift” in time.
I don’t think I can give the bank a cent.
Okay.
If you don’t have a dispo loan, the bank can refuse payments at any time.
I have dispocredit.
What’s your problem? What’s bad for you, you define yourself. Just have to be aware that you have to pay interest.
Then why do you ask? What’s bad for you can only answer yourself.
I’m aware of that.
You should balance the minus directly, which would otherwise be a savings balance.
Your bank is too expensive anyway
Okay. But the few € are still going or not?
If you like to give money, you have to handle it.
Why? Nothing.
It’s bad.
^^ My question was related to it, is it bad within 5 years working to be 3 months in minus?
You don’t give a bank, not even 50 cents.
A bank doesn’t give you anything.
Well, it doesn’t matter about 4€ or so. Was so 6€ to 8€ interest calculated is 3,90 € online banking.