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Overdrawn

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Henry Morris is watching his wife slip away from him. In an ageist society, where euthanasia is encouraged as a patriotic act, dementia is no longer tolerated. Kaitlyn, a young waitress, is desperate for the funds to keep her brother's life support machine switched on. When a chance encounter brings the two together, they embark on an unconventional business arrangement that will force them to confront their prejudices, as well as their deepest, darkest secrets.

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First published September 1, 2019

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N.J. Crosskey

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Displaying 1 - 30 of 71 reviews
Profile Image for Sarah.
1,632 reviews177 followers
September 27, 2019
I was really excited when presented with the opportunity to read another book by Crosskey. I loved her previous novel and was sure this would match my enjoyment. However, perhaps I approached the book with too high expectations; perhaps I was anticipating a read very similar to ‘Poster Boy’. Whilst I did enjoy the novel, I was overwhelmed with how bleak and sad the overall story was, thereby affecting my final rating.

The dystopian theme was once again successfully portrayed although I wished the writer had paid more attention to this new society that has been created. In this novel, there is a lot more focus on characterisation and, whilst Kaitlyn and Henry are interesting characters, I was desperate to read more about this strange, alternate reality that the writer had imagined. I think this was what I was craving throughout the story and meant I could not be fully immersed in the plot. The ideas that Crosskey presents are really clever and interesting, subverting today’s important ecological messages and making them sinister and controlling. A reflection of Crosskey’s amazing writing talents, it is all incredibly believable and chilling.

Readers are encouraged to consider what they value the most in this novel. The importance of preservation versus life is explored through Kaitlyn and Henry and I felt like I was reading a race against time, leading towards its eventual conclusion. With Kaitlyn’s brother in a coma and Henry’s wife suffering from dementia, Crosskey focuses on the importance of healthcare in this new, dystopian environment. The medical issues are engrossing and I wonder if some readers may find this theme a little too personal; with so many stories, I can see how this element would hit too close to home for some of the audience. Indeed, personally, there were many memories that resurfaced whilst reading this book and, yes I did persevere, it made the read itself even more emotional than I expected.

The lengths that Kaitlyn and Henry are prepared to reach are admirable. I could not believe how their plan would work out and although I eventually guessed the ending, it was still a pleasure to read. Their desperation towards the ones they loved was warming, juxtaposing the bleak subject matter. An unusual friendship between two generations, this novel explored how different beliefs can actually reach a mutual ground.

I enjoyed this book and in fact found it a little bit addictive! I couldn’t put it down – again, a reflection of how well Crosskey has written this novel. However, the bleakness really haunted me, and whilst the ending of the story is intended to be uplifting, I was too dragged down by the emotions I was experiencing. There are some quite traumatic ideas presented here and, whilst the author may not have intended for it to be such a serious book, I felt I couldn’t truly escape into this dystopian novel – it was too close to home and a reminder of some of my own personal experiences.

I received a free copy of this novel in exchange for an honest review. With thanks to everyone at Legend Press and N.J. Crosskey for allowing me to participate in this blog tour.
Profile Image for Jodie (jodie.loves.books).
77 reviews91 followers
September 6, 2019
Overdrawn is one of the most emotional, heart-wrenching and beautiful stories that I have ever read. This book teaches so many important life lessons when it comes to love, family, society and illness. Everything about this book was original and incredibly thought provoking as well as being completely gripping.

Overdrawn is set in a future, dystopian Britain where growing old is viewed as selfish and Human life is no longer considered sacred. People are even more marginalised and discriminated against than our real present day world and society is a dangerous, competitive place.

We follow Henry, a man in his 60’s who was part of the ‘snowflake’ generation and has seen both our modern life and Britain after the revolution. He cares for his wife Chloe who is suffering with dementia. Our other main character, Kaitlyn, is a struggling young woman trying to navigate life alone after her brother was seriously injured in an accident. She is desperate to keep her brothers life support switched on and is facing lots of financial problems as a result of this. Both Henry and Kaitlyn meet and end up having a profound effect on each other’s lives.

This story was so fantastically written and perfectly plotted. The pace was spot on and each character was so loveable and well developed (side note: I need someone like Chloe in my life!) Overall, a wonderful book with so many important themes and one I will always recommend! - 5 stars🌟🌟🌟🌟🌟
Profile Image for Tilly.
1,731 reviews246 followers
August 19, 2019
4.5 stars
What a beautiful book that is both deeply heartbreaking and incredibly uplifting.

The book is a dystopian view on what our world could be. Where resources are low and everything is precious and in short demand. It is a wasteless world that believes people shouldn't love to old age as they take up too many resources and so to save on resources euthanasia is normal for people getting to our version of middle age. The world and healthcare is also run on credits dependant on how useful you are to society.

We have two main characters, Henry a 60 year old who is trying to take care of his wife that has dementia. She is on a drug that continually needs to be increased and he is running out of credits to get it.
We then have Kaitlyn, a fiery and outspoken waitress who is desperate to keep her brother (who is in on life support) alive and is getting into debt due to this.

The story shows an unlikely yet heartwarming friendship blossom between Henry and Kaitlyn. I wont write much more as I don't want to give anything away!

The writing was fantastic and I couldn't put this book down. It was addictive and I constantly wanted to know what was going to happen next. A beautiful, sad and powerful read and an absolute gem of a book.

I was gifted this book in exchange for an honest review.
Profile Image for Jasmine.
1,148 reviews49 followers
September 12, 2019
3.5/5

Thank you to Legend Press for sending me a copy in exchange for an honest review – any opinions expressed are strictly my own!

I have been putting this review off for a while now as I’ve been clueless about what to say. It was one of those books that required some time to process and, even after that processing period, things don’t quite settle in your mind. It has been described as a ‘hard-hitting portrait of an ableist dystopia’, which pretty much sums it up. This is a future where any form of illness is seen as a burden and, therefore, a sign that you should ‘Move On’ through euthanasia. If you would prefer not to Move On, treatment must be paid for through credits. Our two main characters – Henry and Kaitlyn – desperately want to keep their loved ones alive, which leads to their ultimate decision to have a baby together through artificial insemination. Having this baby would give them enough credits to keep their loved ones alive for a long time, so it seems like a no-brainer for them both. But there are, of course, obstacles they must overcome together.

Henry is a man around his sixties, and Kaitlyn is a younger woman who I assume was in her late twenties. You can see why I found it hard to process this plot at times – even with the knowledge that it was artificial insemination, the idea of them having a baby together grossed me out slightly, especially since they weren’t exactly close friends at the time of making the decision. Once I got over that hurdle, I definitely enjoyed the book a little more.

The relationships between Henry, Kaitlyn, and the secondary characters were a lot easier to deal with. In particular, I loved Chloe, Henry’s wife, who suffered from dementia throughout this book. She was a kind soul, and her love for both Kaitlyn and Henry was so heart-warming to read.

Overall, I enjoyed this book and I appreciated the general concept of it – it explores the idea that even basic healthcare is being controlled by a capitalist government. When you think about it, it’s not too far from the reality experienced by many people in third world countries. I loved the realism of this book – it was definitely eye-opening.
This entire review has been hidden because of spoilers.
Profile Image for Bookread2day.
2,579 reviews63 followers
September 8, 2019
A dark look at the future of the healthcare system
www.bookread2day.wordpress.com Twitter@bookpage5
Very sad and a very emotional read, about aging and dementia . The few lines that broke my heart. I’m quite sure that many readers will want to read more of Overdrawn to find out what happens. These lines broke my heart. Henry Morris is told I’m afraid your wife’s diagnosis is indisputable. Mr Morris. The doctor smiled , too widely. Black news comes after flashes of white teeth. He sat down and opened the lime green tome of a file on the desk. I’ve been reviewing your wife’s case. In light of the information you gave my colleague over the phone , I think It’s safe to say her current dose of Hepraxin is no longer sufficient. Would you agree?

This is a commercial novel, that appeals to fans of dystopian fiction and political thrillers. It’s a highly topical novel, inspired by the rise of racism and nationalism. If you like reading Margaret Atwood and Naomi Alderman then Overdrawn is the perfect read for you.
Profile Image for Fiona Mitchell.
Author 4 books83 followers
September 1, 2019
What a novel! Original and compelling, it had me hooked from the start. In a dystopian Britain where the NHS is a thing of the past, healthcare has become so expensive that many people choose to earn credits by volunteering for euthanasia. Enter Henry and Kaitlyn into the breach. Henry keeps on shelling out for the drugs that his beloved wife Chloe needs to keep her Alzheimer's in check while Kaitlyn just can’t give up on her brother Jack who is in a coma. When Henry and Kaitlyn’s paths cross, the mismatched pair forge an unlikely allegiance that becomes something much more than friendship. This is immensely readable, brilliantly written and perfectly structured. I adored Henry and eternally optimistic and kind Chloe. Kaitlyn is a force to be reckoned with too. The futuristic landscape here is so vivid that I was completely transported to a place where no matter how bleak things may appear, love remains strong. Can someone make Overdrawn into a television series please? NJ Crosskey has upped her game even more with this her second novel which brims with intelligence and depth. I loved every minute I spent with it.
Profile Image for Amie's Book Reviews.
1,659 reviews174 followers
September 4, 2019
Perhaps it is because I have a hidden disability or perhaps it is because I am 46 years old and looking forward to retirement within the next ten years, or, maybe it is just because I was raised with morals, but, the idea of an Ableist and/or Ageist society makes me sick to my stomach. Maybe it is because I see certain countries as already heading in this direction. Maybe my disgust with ableism is because I am #Canadian and have always been a firm believer that access to healthcare is a right that everyone should have. Access to quality healthcare should never be denied to anyone no matter their race, religion, age, color, socioeconomic status, sex, sexual orientation, gender, disabilities or for any other reason.

In OVERDRAWN, author N.J. Crosskey has created a dystopian society with ageism at its core. "... they'd been bombarded with it, for years. The need to do one's duty. It was the responsibility of all patriotic citizens to think always of the future generations before themselves. It was good and noble, to end one's life rather than take up more than your rightful share of the world's resources. To make sure you played your part in a fairer, more sustainable, future."

The author uses fiction to highlight some of what is wrong with today's society. In humanity's past, elders were revered for their wisdom and knowledge. Today's society no longer thinks that way. Warehousing our senior citizens in old age homes and ignoring them has become commonplace. I see this as a huge problem and author N.J. Crosskey seems to agree with me.

"How many lies were out there, masquerading as the truth?"

OVERDRAWN is an eye-opening look at one possible future and should scare the heck out of everyone who reads it for the simple fact that it is so plausible.

With characters of depth and of varying ages and viewpoints, author NJ Crosskey has created a wonderful work of dystopian fiction that should be on the top of everyone's reading list for September 2019. Not only is her world-building truly exceptional, her characters relatable, and the plot fast-paced, but this book is detailed enough to provide everything a truly discerning reader could hope for.

I rate OVERDRAWN as 5 OUT OF 5 STARS ⭐⭐⭐⭐⭐

I highly recommend this book to anyone and everyone who reads this review. Who knows - It just may change your world view.

Check out my blog for more Reviews. http://bit.ly/Overdrawn
Profile Image for Claire - TheBookendReviews.
396 reviews4 followers
September 10, 2019
Thank you to @legendpress for providing me with a free copy of this book and the opportunity to be on the tour.

I really wasn't sure what to expect from Overdrawn. Whilst the premise sounded really intriguing, I do not usually read dystopian type books.

However, I ended up really enjoying this book. A fantastically written novel.

I loved the friendship between Henry and Kaitlyn, an unlikely but heartwarming inter-generational appreciation and love for each other.

The climax of the book was beautiful, powerful and emotional. It made you consider how far you would go to save someone you loved. I have had this book in my mind since finishing it.

An amazing and thought-provoking read.
Profile Image for farah ♡.
171 reviews4 followers
August 14, 2021
This had a potential to become something good, until it didn't.

Started off with 3 stars and dnf-ed it at 2 stars.

Instead of expanding the settings, and actually do something to help characters, the author made the old yucky 60 years old male lead character impregnate a young lady for the sake of money.

Theee are evidences that he (the male lead character) is slowly in love with her- which makes me dnf-ed this book. No way I 'm gonna finish this one.
Profile Image for Nikola.
125 reviews
September 27, 2019
You can also find this review on my book blog.

I’m a bit late with the blog tour but better late than never! I believe it was Laura Pearson raving about Overdrawn that attracted my attention towards it so I googled it and requested a copy from the publisher. Luckily I’ve been sent a copy to read! Ahh what a story!

Overdrawn is set in a society where when you reach a certain age (which puts you into the old category) there’s a program called Moving On where you can go die peacefully and leave your children with a better future. The system works by using EPs (earning potential) which is determined by your education, health etc. In this society lives Henry Morris whose wife shows signs of advanced dementia which can be controlled with medication but the medication costs and Henry does everything he can to secure that she has her medication but he’s running out of options. Kaitlyn is a young woman who works as a waitress in order to keep her brother, who’s in a coma, plugged on life support for as long as he needs until he wakes up. The chances of him waking up are very slim but Kaitlyn is determined to do whatever to keep him in hospital because there’s still a chance he’ll wake up. One day Henry and Kaitlyn meet in a very awkward kind of way and from then on their lives become linked.

What to say!? Overdrawn is such a touching book. The whole idea of the book is something I’ve thought about myself but not to this sort of extreme where the government has the power to force you to move on. The society in which our characters live in is scary and cruel – a place where in order for your children to have a better future you are praised if you decide to literally sacrifice your own. Both Henry and Kaitlyn are such real and raw characters and their stories resonate with the reader. I loved Henry and Kaitlyn’s first encounter especially the part where he left her the tip and sort of woke up something in her. The whole friendship between these two characters was something I loved reading about as well as finding out more about them as a dynamic. I was initially into the idea both Henry and Kaitlyn had but as the story progressed and Kaitlyn got to meet Chloe (Henry’s wife) I got scared about how they’d do what they planned. I loved Chloe as a character so much – such a wonderful intelligent woman who has so much love in her heart. I loved reading parts with Chloe and laughing with her. The couple of chapters towards the end were a bit rushed to me but they were so emotional! I felt such sadness towards the end but also joy [people who’ve read the book will understand]. Crosskey is a wonderful storyteller!

Overdrawn is for readers who enjoy reading stories that have a heart to them, stories that leave you thinking.

I would like to thank the publisher Legend Press for providing me with a review copy in exchange for an honest review. All opinions expressed here are my own and weren’t influenced by anything.
Profile Image for Sandra "Jeanz".
1,261 reviews178 followers
August 8, 2019
The book cover is what initially caught my eye, then when I read the blurb I knew I had to read this book. Unusually for me I also checked out what the “Advance praise” was for the book and Christina Dalcher, author of VOX had commented “Keep this book far from anyone who might be tempted to turn its fiction into reality' which intrigued me even more!

The book is set in an era where everyone is encouraged to think about the resources they are using and to try their best to keep their “footprint” as minimal as possible. Every one is given a set amount of “credits” based on their usefulness to society. You are housed by the Council collective, they decide what you do or do not need or deserve in relation to how useful you are to society. To be totally candid, it is something that doesn’t take a whole lot of imagination to think it’s a future possibility should the NHS cease to exist in our country.

Waste of any sort is not tolerated. Even to the point of using your credits for any medical issues you have.
Henry & Chloe Morris, both sixty years old are two of the main characters and are elderly and in need of medical help. They are lucky in that they own their own home which is a rarity in this “modern” age of the supposed principal of everyone having a level playing field to start out their lives. Henry has a prosthetic leg that gives him a lot of pain, causes him to walk with a limp and really desperately needs replacing. Henry is a stubborn man and we first come across him talking to a Dr Johnson about his wife Chloe. Chloe has dementia and sadly it is progressing rather quickly so much so her usual dose of Hepraxin has stopped working. The Dr explains that he can double the dose of Hepraxin, but it will not cure Chloe. The Dr then reveals that Henry has two options, he can have 6 month’s worth of the Hepraxin at the current dose where it’s not working as well as when Chloe first began taking it or he can prescribe 3 months of the Hepraxin at double the usual dose but it would be the last lot of Hepraxin he could give as Chloe & Henry’s credit had reached it’s limit. Dr Johnson suggests perhaps it’s time for Henry to let Chloe go, to let her “move on”
The elderly are encouraged to choose death rather than using up all their credits and money. They are increasingly being pressured to leave a sizable inheritance to the younger generation to give them a good start. Henry has one son, called David, whom he had with his first wife. Henry and Chloe have no living children. The child they had and called Heidi sadly died shortly after birth. There’s much more to be revealed about Heidi and details surrounding her death but I do not want to reveal too much of the story.

The other main characters in the book are Kaitlyn and her hospitalised brother Jack. Jack has had an accident and is on life support, despite reaching the limits of his own credit, his sister Kaitlyn is using her own credits and money from her waitressing job to fund Jacks medical care, in the hope that one day when she visits him, he will suddenly wake up and be okay once again. Jack is all Kaitlyn has, she broke up from her fiancé when he couldn’t understand her decision to keep Jack on life support. Jack was everything to Kaitlyn when she was younger, bringing her out of the awful home with her alcoholic, prostitute of her mother and fed, clothed and cared for her himself.

It’s when Henry and Kaitlyn meet. Henry basically believes that all youngsters are interested in is money and they have no respect at all for their elders, which seems warranted when he stops for a drink in the café that Kaitlyn works at and she serves him rather begrudgingly and sharply. Then he thinks of his wife Chloe and that she would say maybe the young female is having a bad day. When Henry leaves, he adds a tip for the waitress as his wife would have if she had been well enough to be there. It’s that small act of kindness that sets a large chain of events that end up being like a rather large rollercoaster ride into action.

I adored reading this book yet at the same time found it intensely disturbing when you compare it to todays society that we are living in. A society that no longer respects their elders, that doesn’t seem to care for others. The elderly are really viewed and thought of as an unnecessary burden and being over users of resources. On the other hand, the younger generation seem happy to accept the Collective Council telling them their place in society. Telling them where and how to live their lives. The youngers generation had never seemed to yearn for more or to have any ambition, they just blindly accept what they are told. Society has gone from protesting abortions and even condemning contraception. In this new society sterilisation and termination are encouraged. Even more dire, in my opinion early death is encouraged. That is where the “Moving On Initiative” comes in. A large company that encourages those who are ill, or in fact just those who are getting older to end their life themselves via their service. People even have big celebrations called “moving on” parties to say goodbye to all their family and friends. Medical professionals actively encourage it. During the course of the book both Henry and Kaitlyn are offered leaflets explaining and advising on the Moving On Initiative services. There are some pretty sad scenes in this book, with Chloe having on of her “funny turns” as she calls them, then Henry trying to sell his house in order to fund more medication for Chloe. Henry also puts off replacing and updating his prosthetic despite it giving him pain, and affecting his walking and everyday life. Then sadly when Henry discovers his own health issue and has to work out how to deal with it.

Kaitlyn is also continually being told to let her brother go, that she should get on with her own life, think of herself more and not waste more credit on her brother. Kaitlyn keeps remembering all her brother did for her, how he literally rescued her from her own mother, and a life that would have been a lot worse.

My immediate thoughts upon finishing the book were that it was an amazing read. I found the book extremely thought provoking. Get those tissues at the ready for the end section of the book. I don’t know what else to say other than I truly loved it.

I really don’t want to give away much more of the plot, but Henry and Kaitlyn come up with an idea to earn enough money for each of them to continue to help their loved ones stay with them a little longer. I truly loved the ending and it did make me tear up and I continued thinking about it long after finishing the book. Difficult decisions are made and carried out. Certain relationships end, though as they end some important ones are being made too. I honestly loved all the characters with the exception of Kaitlyn & Jacks mother. I think Kaitlyn is very brave in her undertaking at the end of the book. All the lose ends are tied up really well, though a little part of me would love to read more stories set in this society.
Profile Image for Kath.
3,089 reviews
September 2, 2019
I really enjoyed Poster Boy when I read it earlier this year so I was quite excited to get my hands on this book. And I am pleased to report that I loved it just as much, although, like its predecessor, it scared me a bit too. We are in a dystopian world where basic resources are running out. To this end, people are encouraged to end life when they get sick rather than hang on, stripping the meagre resources from the healthy, euthanasia is actively encouraged! Everyone is given "credits", the amount being based on their place in society and when they run out, well...
We meet our two main characters at a time when things are getting rather tough for them. Henry is 60, married to Chloe who is on the descent into dementia. Henry is doing everything to prolong Chloe's life. Luckily, his financial position is enabling him to hang on but that is precarious as there are those waiting in the wings to inherit. Kaitlyn works a very low paid job as a waitress but is really trying to do her best for her brother who is on life support and, consequently, draining all her credits, so much so that she is heavily in debt.
Their worlds collide when they meet, first at the cafe where Kaitlyn works and then at the hospital. The two strike up an unlikely friendship which then spirals into a plan. The outcome of which could be the saving of both themselves and their loved ones.
I say that this was a bit scary, well, with population explosion and resources and healthcare on the brink of collapse here in the UK, even despite all the Brexit promises, the things depicted in this book are not without the realm of credibility. Hopefully not in my lifetime though. But food for thought nonetheless.
In this book, the author has created some of the best characters I have read about in time. They all came across as completely real and I could feel their fear and angst dripping from each page as I read. Henry and Kaitlyn are chalk and cheese but share so many frustrations that their relationship swiftly develops, after a few initial stutters, and the plan they conceive appears to be their only way out. Aside from them, my favourite character must be Chloe, oh how I felt for her every step of the way and I felt that her portrayal was so accurate that I became a bit of an emotional wreck at times whilst reading.
Part depressing, part uplifting, and containing some wonderful humour, the book remains balanced throughout although I did run the whole gamut of emotions as things ebbed and flowed for our heroes along the way. It was compelling and I was very reluctant to put I down as I really needed to see how things panned out for everyone. No spoilers but the ending did leave me satisfied. Bittersweet but it was as it should have been.
With two winners under her belt now, I really can't wait to she what the author serves up next time. My thanks go to the Publisher and Netgalley for the chance to read this book.
Profile Image for rina dunn.
683 reviews13 followers
September 18, 2019
Okay so I say this about a fair few books and I always try to be as generous as possible in my reviews but Wow! This book deserves all the star ratings and more!
Easily one of my favourite books of the year it really is that good!
Hard-hitting ,fast paced but with such beautiful tender relationships it really pulled at my heartstrings.
I'm a huge fan of Dystopian fiction and this is up there with the best as far as I'm concerned.
We follow two main protagonists Henry and Kaitlin. Henry's wife has Dementia and Kaitlins brother is in a coma.
The society they live in is ageist and only the young matter. Euthanasia is a massive industry run by a huge corporation called Moving On where the Elderly and the Sick go to die through choice in order to protect their younger family and the future generation.
In a world where everything uses money and an Ehp score the higher the score the better for the young.
The subject matter is tough to read. The issues this book handles are plentiful from ageism and poverty to euthanasia and grief
It's highly original, very cleverly written and at parts in the storyline very intense.
What for me stands out is the most beautiful relationships between the characters. The beauty of the way the characters connect took my breath away, just that uncompromising love and courage and sacrifice is written with such care.
Please read this book! I promise you even if you aren't a dystopian fan this one will change your mind.
Profile Image for Bron.
127 reviews8 followers
March 5, 2023
CW: Terminal illness, loss, physician assisted suicide

Overdrawn tells the story of Kaitlyn and Henry, who become friends and co-conspirators against the society trying to convince them that physician assisted suicide is the morally correct choice over using Earth’s resources to keep their ailing loved ones alive.

I thoroughly enjoyed this book, and feel as though the story made some telling comments on important issues, such as the cost of health care, climate change, and the right to one’s own bodily autonomy. As someone who supports physician assisted suicide, seeing it turned into a manipulative political tactic for the purpose of population control was very interesting. I would absolutely recommend Overdrawn!
70 reviews2 followers
September 14, 2019
Poignant, powerful and so very plausible.

‘When you love someone so much, when they love you, you’d do anything. Anything at all’ - NJ Crosskey (Overdrawn)


Poster Boy is one of my favourite books of the year, I was therefore delighted to have a copy of Overdrawn.

Crosskey has the ability to pull me into her world from the opening sentence, just like Poster Boy I was immersed immediately. Again the story is set in a dystopian world, one where the politics of today have shifted to a disturbing reality. A reality that is so horribly and scarily plausible that it sends horror coursing through your veins.

Meet Harry and Kaitlyn, both are at very different stages of their life yet both have a goal that is all consuming, generated by a love that is so strong that it leaps off the page.

Against the backdrop of this terrifying alternate reality we join them as they fight for their loved ones survival. With characterisation that is so pitch perfect you instantly feel like you have known them forever - their plight becomes your plight as you urge them on, every single word executed in such a manner as to cause maximum impact.

Crosskey’s writing is just flawless. There is something about the way that she writes that just gets me and that I get. It breathes life into every fear that I have about the way that this world is going and I ponder as to whether she just has an astonishing imagination or that she sees something that we can’t - either way it’s so cleverly crafted that I’m left in awe.

With all of the power of Poster Boy, Overdrawn is coupled with the sweetest essence of enduring love. A love that touched me so deeply it left tears rolling down my cheeks.

Overdrawn is undoubtably an utter triumph and Crosskey is fast becoming the writer of our generation. I can’t recommend Overdrawn highly enough.
Profile Image for Hayley.
515 reviews18 followers
August 21, 2019
Like most science fiction dystopia type novels this really grabbed my attention. Something about taking what is a simple act as growing old and basing a whole world where this just doesn't take place anymore amazed me as a reader. How would the author manage to make such a thing believable but also interesting to the reader. Well lets just say not only did she manage to grab my attention but she also made me question the way that we as a society live and how I view others. In this book growing old is frowned upon and viewed and unnecessary. When a person reaches an elder stage they are euthanized so only the young and the healthy survive. This book brings together our two main characters Kaitlyn, a young woman struggling to keep her brother alive on live support, while the costs pile up and the hospital demanding that his machine gets turned off as well as Henry an older gentleman who watched his wife pass away and must now survive on his own in a world where people his age are unaccepted and shamed. Both characters are dealing with a terrible situation because of the new way elders are treated and both are at their wits end with it. This made their connection to each other very powerful and true. Both characters meet and come up with a mutual way to keep both of their lives a float as well as getting funds for each of them. I really enjoyed the concept of this book because while I've read a lot of dystopia type novels I've never read anything even remotely similar to this. It is an amazing concept that I never would have thought of and it made for a great and compelling read. There weren't a tone of characters to have to keep track of it was pretty much just the two and then the people that weaved in and out of their lives but it was a nice change. This book was a scary view on a the world, and a world that I never hope comes to be a reality. Very good book and I'm glad that I got the chance to check it out.
Profile Image for Wendy.
601 reviews43 followers
August 22, 2019
An unnerving societal tale heaving with the morals of a contemporary 'Dickensian' Britain and a whiff of 'Animal Farm'. It presented a terrifying vision of a future that sent chills down my spine.

Why? Well, citizens are graded as though they are assets and are appraised accordingly. They are allocated an EP (earning potential) according to their education, health, and employability status, leaving the impoverished, sick and the elderly condemned to live within their means or merit, or accept the harsh reality that their existence is no longer ‘viable’.

So the widely accepted solution for when the funds or empathy run out is irreversible, as the affected should the decent thing and expire in a timely fashion, politely referred to as ‘moving on’ – commonly known as tactless and despicable, to you and me.

Of a system built on the kind of cost that is simply too awful to contemplate retiree Henry asks, “was this the next level of natural selection?”

This is certainly a sobering read in which he and young Kaitlyn endeavour to bridge the gap between the generations, experiencing the transience of life and embracing the legacies they may ultimately leave behind.

A pioneering and thought-provoking story that evaluates what is truly important.

(I received a copy of this title courtesy of the publisher via Netgalley, with my thanks, which it was my pleasure to voluntarily read and review.)
Profile Image for amyjayereads.
69 reviews1 follower
August 30, 2019
This was such a current emotional topic, give it 5 years and this could be reading as a contemporary...

Euthanasia is legal, and people are encouraged to do this in order to create a more sustainable future, not to burden the youth.

It was so relevant and found it fascinating reading about the way the world could be. One of the things I most enjoyed was the relationships in this book. It really delved into peoples past, how it made them the way they are today, and that we really don't understand what people are going through. It was emotional and the author really took me on a journey with this book. it was fast-paced, I was waiting on every page to see where Henry and Kaitlyns relationship progressed.

Would 100% recommend this book!
Profile Image for my bookworm life.
524 reviews25 followers
October 3, 2019
Thank you to Legendpress for sending me a copy of this one as part of the review tour on Instagram.

I really enjoy Dystopian novels, i always find that i get so engrossed in the surroundings and atmosphere of them, and the stories have always been so unique and interesting too. So when i see a new one released i'm always excited to read it and see how i find it.

This book was much more emotional than i maybe first expected it to be, i found myself really caring for the two main characters, and i enjoyed following their journeys though to the end. I loved their interactions, and how they were so very different but sadly they were united by their situations too.

This book covers a lot of emotional ground, exploring morality , grief , death and family relations. It was hard hitting and really made you feel like this is something that could actually happen in the future, which is horrifying but i wouldn't be surprised really.

I liked the writing style very much, i found it easy to get stuck into and the story progressed at a great pace, no filler just all solid story. The book is split into different parts, and within each part the story moves forward at a good pace and leads to an emotional finale.

I would recommend this to anyone, you don't have to be a fan of dystopians in order to enjoy this, it covers a lot of topics and is a good read about faith, family, friendships and choices to do with all of those.
Profile Image for Brb_busyreading.
334 reviews5 followers
June 17, 2020
I dont know how I feel about this book. It's a very touching story and I loved the ending so much but the arrangement they had was so strange. I guess you could take it either way, you either loved it or hated it. I think it was on to the same style of the flatshare or I think it had the same kind of love written in the story like it was. It was a different read for definite. When Henry & Kaitlyn have a chance encounter it brings the two together, they embark on an unconventional business arrangement that will force them to confront their prejudices, as well as their deepest, darkest secrets
Profile Image for Philipp Leube.
33 reviews1 follower
June 20, 2020
While the initial premise seems promising enough, the way the story goes is a tad bit too melodramatic for my liking. The story in itself is predictable and what's worse, with some small changes wouldn't have needed the dystopic setting at all. Heck, it might have been more interesting if it had been inserted in our current world.

The prose is unimaginative and explains almost everything at least twice more than necessary. This leads to a novel that takes its sweet time to let things happens and when they happen, are just boring.

Avoid at all costs and read Orwell instead.
Profile Image for Shaelene (aGirlWithBookss).
261 reviews27 followers
April 4, 2020
Overall, I really liked this book. I thought the concept was super interesting. The relationship between the two characters have is both charming and complex.
Both characters face struggles within this future society.
Henry is a 60-year-old millennial, also known as ‘the snowflake generation’ in this book. With a wife who has dementia, Henry uses his ‘social credits’ to buy medication to help lessen the dementia episode his wife experiences. But many look down upon Henry doing this due to ‘the social responsibilities’ that everyone has accepted due to climate change and overpopulation- it’s considered socially responsible to go to a clinic to end your life even if you are healthy. Henry doesn’t agree with this view at all and continues to run himself into ruin to get precious time with his wife.

Kaitlyn is a 20-something girl who has had a rough upbringing with an abusive and neglectful mother but luckily she has her brother, Jack, who protected her from their mother and taught her everything she knows. Unfortunately, Jack is in a coma due to a farming accident and may never wake up. But Kaitlyn isn’t ready to give up hope and so she uses all of her and her brother's credits to keep him on life support with the hope that he will wake up.

Soon Henry and Kaitlyn meet, they start talking and become close friends while they share their life and medical trouble with each other. Running out of credits and facing eviction, Kaitlyn contemplates getting pregnant and giving her baby up to the adoptive parents to cash in on the big payday doing so would provide, all to keep Jack alive. Kaitlyn tells Henry, and soon Henry becomes the sperm donor and they agree to split the money the baby will make to keep their loved ones with them. But soon things become complicated as Kaitlyn meets Chloe and Henry is fighting his son in court to prove that he is of sound mind.

I enjoyed the first half of this novel much more than the second. The second half tends to get a little soapy for my tastes. And the ending.. well, it was disappointing.
Henry was so steadfast in his beliefs on death. He didn’t want to do the moving on ceremony but in the end, he does so that Kaitlyn will get the money so he and Chloe can die together. I don't really understand how he can choose this when he was so against it. It raises questions. Plenty.

This is supposed to be an ‘ableist society’ and we see plenty of it in the novel, but would humanity really progress so far into the future as to pressure it's aging citizens into committing government-appointed suicide because they are taking up space? And for a novel set in an ableist society, I expected to have read from the point of view of a disabled character.

In this society, your worth is based on test scores, your ability to work, and the betterment of society. If you aren’t able to do any of those things you are relegated to the poorest parts of the city to die in poverty. So I wonder if disabled individuals are also expected to end their lives because they are a ‘drain on society’. If so, this is a disgusting message, even more so when the main characters bend to the will of the government by ending their lives for ‘the greater good of society’.
To be frank, I don't know how I feel about this novel and this message. On the one hand, it's just a book with an interesting story. On the other its an extreme view on how a theoretical future society treats its most vulnerable members as dispensable burdens. It's a tricky subject to cover as many disabled individuals still face this type of mindset from people who believe they are burdens on society and should not be allowed to live.

In the end, though, I think the author could have handled the subject better and maybe had a main character who was disabled, as opposed to having able-bodied characters with loved ones who were sick.

3 stars. I enjoyed the characters but the subject of ableism could’ve been dealt with much better. I fear it was a bit sloppy, short-sighted, and potentially harmful to those with disabilities.
Profile Image for Jessie.
66 reviews7 followers
April 2, 2020
I spent a long time debating whether to give this book 4 or 5 stars. It felt like something was missing. I finally realised what it was; I wanted more. The society and dystopian world was so intriguing that no matter how much we were given it didn’t seem like enough. It wasn’t like being given a small portion and still being hungry at the end of it, it was more so delicious that no matter how full you get you just want to eat more. This book made me gluttonous.

I will admit that at first I was confused; I hadn’t read the synopsis or blurb and was “going in blind” after the cover caught my eye whilst scrolling through ebooks I could borrow from my local library. It took me a few chapters to understand that no, this wasn’t set in current day America. It’s set in a strange version of Britain. Another page. A dystopian Britain.

The fact that I had considered the possibility that someone having been overdrawn for the cost of healthcare to be set in the modern day should be shocking, but it’s a reality in some places and that’s why this book is so important in the current political climate. It proposed a society that I could see us truly becoming; and one where giving to others has just become an excuse for others to be selfish.

I think the issue with a lot of dystopian books is the balance between fantasy and reality; it’s fair enough to want a fantasy world, but pull it too far from reality and the nature of its suffering is lost on its audiences because they struggle to relate. This story managed to find a great balance.

As well as that, a lot of the issues mentioned in the book are ones I’ve had personal experiences with. They’re hard to get right in writing, because they can be so traumatic and triggering to so many people. They were handled with care and were treated seriously. I’ve never read a book that handled so many issues so well before. They may not be perfect for everyone, but I could add no criticism as to how they were handled. It’s also important to say that none of them were thrown in the plot “just for the sake of it”. They were all utilised and I think that definitely made a difference.

The story telling was some of the most realistic I’ve ever read, and the characters were just as real. Certain parts of them seemed cookie cutter-but worked into a far more complex overall characterisation that didn’t fall flat. I felt their emotion and struggle, and their motivations were clear without needing to be explained. It has been a long time since I’ve read a fiction book with characters that seem so real to me, but this book managed it perfectly.

The plot was entirely original, and nothing was predictable (Aside from maybe one point, but this was only a few pages from the end.). I didn’t know what was going to happen, so I wanted to know more and that pushed me to keep reading.

Overall, I’d definitely recommend this book. It’s now one of my favourites. In fact, this book will now be the one I use to set the standard for all and any books that even attempts to touch societal themes.
Profile Image for Nicola Smith.
1,135 reviews44 followers
September 10, 2019
I must admit I didn't quite take on board from the blurb of Overdrawn that it was a dystopian story and if I had I might not have decided to read it. Oh what a travesty that would have been! This is an absolutely brilliant book.

It's set in the not too distant future (I'd estimate maybe 50 years from now) when Henry is a 60 year old man. Consider this: right now, 60 is not considered old is it? In Overdrawn, a 60 year old is seen as someone who should perhaps be considering Moving On, that is willingly choosing euthanasia to avoid being a burden on the younger generation. Babies are not encouraged, in fact terminations are actively recommended. All medical treatments are to be paid for using credits - when you've used yours up it's a bit of tough luck unless you have plenty of money. Henry is using all his credits just trying to keep his wife, Chloe, in her dementia medication.

Henry meets Kaitlyn, who is working as a waitress and trying desperately to keep her brother, who is on life support, alive. She's initially dismissive of Henry (after all, he should be Moving On!) but a series of events means they become unlikely friends.

What an incredibly thought-provoking and original story this is. Yes, it's set in the future but it's not hard to imagine that this may be how things turn out for the human race. We're already becoming overpopulated and using more than our fair share of resources and it does make me wonder what the rest of this century holds for us. N.J. Crosskey has written something very realistic and yes, very scary. I felt like I should be reading through my fingers.

I was utterly engrossed in the lives of Henry, Chloe, and Kaitlyn. I wanted their lives to work out and I honestly didn't know if they would or not. The ending brought tears to my eyes. It felt strangely right and yet so wrong at the same time.

Overdrawn is a very clever and oh so plausible story of old age, outliving your usefulness, looking ahead to a time with no NHS, a time of Rolling Back to the days before computers and the internet took over. In fact, it's mentioned that there was once a time when people were glued to their little screens - I had to smile!

I love a book that challenges my thinking and Overdrawn certainly did that. What a triumph it is. I really want to read Poster Boy now.
Profile Image for Emma.
14 reviews1 follower
November 8, 2019
This book was my first journey into a dystopian world. I was weary about whether I would enjoy it or find it too unbelievable, but... well the story is horribly plausible and has me asking more questions than I thought possible.

Harry and Kaitlyn, different ages, different paths, different pasts, same goals. Both characters driven to protect and preserves the greatest loves of their lives!

In an alternate reality they fight for their loved ones, they grapple with previous choices and where their futures will take them. Their characterisations are is so natural that grumpy Henry could be your grandad and downtrodden Kaitlyn could be your best friend, their pain, their fight, their helplessness leaps of the page and grips you. You walk their paths, you live their fears, and you remain grateful that this is not yet a world we live in!

There are times when you feel their plights are hopeless, when you fear they can’t beat the system, but when the. Hips are down Henry and Kaitlyn’s friendship pulls them together and finds them a new path, and hope is restored.

This book for me was about love, and the power and strength of a connection that is more than want and is total need. A story which proves that love can cloud our judgement and consume us, but that it can also guide and save us.

This story left me floundering at a world so cruel, a world so twisted and wrong, where success is measured by wealth and social standing, a world where love is last on the list. It’s an overwhelming beautiful tale of unlikely friendship and triumph. The author is breathtakingly and undeniably talented.

I. cannot recommend you read this book highly enough. Thanks Netgalley and N.J Crosskey!
30 reviews1 follower
October 15, 2024
A good concept but the world building and exploration of the dystopia get lost as we indulge in endless melodrama. As a guy, i am interested in the specifics of how his society operates, the logistics, and so on. I am not in fact interested in the characters' childhood stories about their mom being a hooker and how it makes them feel. Their delusions about incurable illnesses were so pathetic i was disgusted with them. I was agreeing with the antagonists ("the world") every step of the way in this setting. In fact, that's why i kept going, i kind of savored the overt boomer-hate that was on display by this society.

At 40% (i DNFd there), it's still not explain why exactly everybody became poor seemingly overnight. It's like the author wanted to make sure that this new world was perceived as a dystopia by introducing this poverty element, when it doesn't follow at all. Logically if we moved away from spending so much money caring for the old and unproductive, we would only find ourselves much more prosperous for it. Normally in a good dystopia story, you are not told directly that the world is in a bad state. Generally the characters are happy in their universe and you are meant to question yourself as to why you the reader think you wouldn't be. That's the whole point, and it's missing here.

The prose, much like the plot, is chick lit every step of the way, with plenty of stomach flipping, hearts sinking, and crying. If you are an enjoyer of more intellectual works like 1984, you will likely not be well served by this novel.
Profile Image for Noll.
371 reviews
February 25, 2020
My first five star read of the year, and in quite some time, I think. Excellent book. A dystopian future in which many seeds and thriving roots sown in our time have come to fruition; a society driven by sustainability and frugality taken to extremes - hardly any private transport, large houses, or single use products, and an assumption that pregnancies will be aborted rather than brought to term because of overpopulation. There's a lot to digest in the social politics of the novel, and I could read a whole series of books set in this world, learning about the nuances of the radical revolution against the 'wasteful, lazy' snowflake generation, as well as prequels set in the time of revolution itself, particularly as the novel casts no judgement or bias, it does not preach or justify, only offers a portrayal of what could be.

But all of this serves only as a backdrop to a story about humanity, with all its flaws and beauty. I was constantly kept guessing, always sure I knew what would come next but never being *quite* right, not until the end. This is a story full of pain, confusion, selfishness, uncertainty, and short-sightedness, but more than any of those things, there is love and there is hope. The end is so inevitable that it makes you feel there must be some universal human laws that transcend the social politics of either our world, or the one in which this is set, and this novel leaves you with hope that someday we might, as a race, stumble onto the perfect set.
Profile Image for Kathryn.
121 reviews
September 14, 2019
This is such a fascinating dystopian world that really made me think. Set in the near-ish future, when the millennials (or "snowflakes") are elderly, it shines a harsh light on society and its priorities

This book follows Henry, a middle aged/elderly man, and Kaitlyn, a twenty something year old. Both are from very different generations, with life-altering policies and public opinions separating them. Henry is desperate to find the money to fund his wife's expensive prescription, while Kaitlyn is working all hours to fund her brother's life support machine. When their lives become entangled the assumptions and attitudes of them and everyone around them become irrevocably challenged

I really enjoyed following the two main characters, watching their attitudes towards one another, and their corresponding generations, alter. They both showed such incredible growth and were amazingly fleshed out characters. The commentary on death and youth was super interesting and really made me think

This book reminded me a little of The Heart Goes Last by Margaret Atwood and The Disappeared by Amy Lord. I love a good dystopian book!

*This book was sent to me by the publisher in exchange for an honest review*
Profile Image for Courtney (Saffy's Book Nook).
70 reviews4 followers
August 25, 2019
I enjoyed this dystopian story, it had an interesting concept and was definitely hard-hitting! It definitely made me question my morals and I found it very thought provoking!

I loved the friendship between Henry and Kaitlyn and how their paths crossed for a reason, it was beautiful to see their friendship blossom and their sense of humour, I think, made the book even better. Oh and Chloe, I loved Chloe, she was the most selfless and most likeable character throughout!

It is was very much an emotional rollercoaster, my emotions were all over the place while I was reading, I couldn't keep up with them.

I wasn't sure about it around 50% in, I think I was just annoyed about the situation in the book, but I kept reading because I was intrigued to see where it went and it was emotional, I nearly shed a tear! It had such a beautiful but sad unexpected ending!

Overdrawn will be out to buy on the 1st September! I would recommend you get this on your wishlist if you like dystopian books.

Thank you @netgalley, @legendpress and @njcrosskey for an ARC in exchange for a honest review!
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