Perhach explores the traps we all fall into with credit cards and buying beyond your means, living month to month, agreeing to meals out with new colleagues “because you want to make friends, your turkey sandwich sounds boring, and what’s one more charge?”

While many may think they'd never need one, Perhach's vividly painted picture of how a situation with your boss or partner can spiral darkly out of control spells out the importance of a Fuck-Off Fund so effectively that it's already inspired some to set up new, private accounts or rename existing accounts, and is gaining support on Twitter.

She goes on: “You buy a halter dress you know you can’t afford, because it makes you look like the successful young woman you want everyone to think you are. Your boss tells you that you look nice in that dress, asks you to do a spin. Just to get the moment over with, you do.

“Your boyfriend asks you how much you paid for it, says it makes you look chubby. You lock yourself in the bathroom until he bangs on the door so hard you think he must have hurt himself. After he falls asleep, you search Craigslist for places, and can’t believe how expensive rent’s gotten around town. You erase your Internet history and go to sleep.”

Why every woman should have a Fuck Off Fund: a tale of financial self-defence