Anyone who decides to purchase a programme is being ripped off!
http://www.speedwayplus.com/programme_generator.shtml
As for people being in their overdraft, It's a classic case of living beyond their means; make cutbacks and sacrifices.
I have decided only to shower once a month rather than once a week and my water bill has fallen dramatically, instead I pop through Boots every morning on my way to work and use their sample perfume for free and I get a different fragrance every day.