So the ‘Money Saving Expert’ Martin Lewis has failed with his one man campaign to save us persistent overdraft hammers from the dreaded bank charges. Shame, but not unsurprising.

The banks have only just recovered from the worst recession in living memory (tell me and most of the business world about it!) and the jury’s still out whether they, and we, are out of the mess. They are hardly about to go giving up an income that gives them an estimated £1 billion a year. And seeing as the world cannot afford to see its banks collapse, they will be supported from all corners except from us hard working, if tested, investors.

Sticks in the craw, mind. Seeing as we own most of the banks, overdraft charges are like having a wife who keeps bleeding you dry whilst she sits at home with her feet up. NOT, I hasten to add, like our household. The Mrs works extremely hard, particularly at the moment with the amount of design work we have on! Mind you, she knows how to spend it too!!