Bills or soap box derby – its a tough call

“Curses to my American express card with no spending limit and no interest but a balance that is due in full each month. And curses to how ever that balance got up to $1600.00 this month when its usually around 600 and I wonder how to pay it every month. Im waiting for next month. Its magic paycheck month. One of the two months a year that I get one whole extra pay check a for the month! Then I want to send it all on materials to make Soap box cars and have a derby, isnt that what every one is doing?”

Emily, 33, menial office work and hula hoop mechanic
Philadelphia, PA