Am I storing up problems / being imprudent ?
Yes. Be very, very careful of starting down this avenue of thought/action. (See the first post in my thread on where it led me, if you like:
How overspending by a small amount on a regular basis spiralled into serious debt )
So a typical cash flow would see 3k in and 3.3k out each month just to keep my show on the road . ( Being €300 o/d for a couple of days at the end of each month)
If you think about it, it goes something like this:
Month 1: Start at zero, 3,000 in, 3,300 out
Month 2: Start at -300 but 3,000 in so everything's alright. But if you still have 3,300 going out and you only have 2,700 left...
Month 3: Start at -600 so now you only have 2,400 for your outgoings.
And so on and so on. Plus interest, plus (probably) an annual fee for the overdraft facility.
However, I'm not really sure if that's what you're actually saying or what your actual situation is. As some others have said, having an overdraft facility in place to cover potential mismatches of a day or two with payments coming in and out might not be a bad idea. But if you start using it to actually finance your life, then it can become a problem very quickly.
There are levels of economies and there are levels. If you think an objective view might help you to find some more ways of economising or just generally help you to get your finances better under control, do up a
case study format post in the money makeover section (or the mortgage and debt section if that plays a role for you).