hen I woke up this morning, I got a text from the bank telling me that I was overdrawn. Then I got a notification alerting me to a couple of payments due to leave my account later that day. Next, I received an email from the credit rating agency I foolishly subscribed to, telling me that my rating has just dropped from ‘good’ to ‘fair’ for reasons they are unable (or unwilling) to explain. And all
