This is very relatable. When I go into my overdraft (more than £20), I’m just like “well, now I’m paying the same amount per day, I might as well buy the things I was holding back on until after pay day cos it won’t cost me any more”.
That being said, I recently reduced my overdraft with Monzo with the intention of using a different bank account’s overdraft to cover for it if I fall into it again, and since that will cost more the more I use it, the less likely I’m to spend even more.