You never had money you was supposed to be saving but, you keep on spending it
Dipping into your savings is different than over spending on your debit card.
You should open two checking accounts. Put bill money in one and then allot yourself a spending amount or "fun money" and put that in the other. Only get checking account 2 (Fun money) linked to your debit card. That way whatever you blow is not affecting bills or savings.
You can also try paying with cash and leaving your debit card home. Take X amount of dollars out with you and when it's gone it's gone.
Yall a bunch if lying ass nikkas, I purposely avoid checking my account on monday mornings sometimes to ease the pain. 6 and 7 dollar beers can put u in some shyt fast if u already drunk and out on a pay weekend.
Get control of your money. Overdraft fees are a waste of money.