I have an overdraft of £1400 at the bank and nearly always go over my overdraft .

Possible maybe but not wise. You'd be better to reduce your outgoings and pay the overdraft back rather than increasing your debt.

Hi MissNatKel, and welcome to the forum.

You could sort out your overdraft with a 0% money transfer card, you can see these here...

http://www.money.co.uk/credit-cards/0-money-transfer-credit-cards.htm

These cards, however, generally require you to have a good credit rating and be in employment. Also, it would be wise to only use this type of card to pay off the overdraft and not for purchases as well.

If none of this applies to you, then I would suggest you follow Jazz's advice.

I would suggest that you create a very simple spreadsheet on your computer and list out all your regular monthly outgoings in one column and any income in another column.

Then sit down and take a long hard look at them and ask yourself why you are so obviously living beyond your means.

Borrowing more to service your existing debt is not a solution to your problems. Rationalising your spending, however, may well be.

Sorry to be so blunt

Going over the limit is very costly. Have you thought about asking for a small increase on your overdraft but really look to pay down the overdraft. This will leave you with more money in the long run as you won't be spending all your money on interest