In addition to commitments to irreversible savings plans, and preferences for
holding ``buffer'' cash balances, other forms of self-constraining behaviour
could be seen in our interviewees' approaches to short-term financing, in
particular bank overdrafts and credit card facilities. For example, one
interviewee voluntarily negotiated a reduced overdraft limit with his bank: ``. . .
to be even more controlled. I guess it is self-discipline'' (S3). Similarly, credit