The Cold River of Credit

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Branches of avarice reach out,

Terrifying me right from the start,

Like long grasping fingers,

Trying to pluck out my heart,

 

The cold river of credit invites me in,

The current eager to see me drown,

While I’m struggling and spending,

It’s dragging me down,

 

Spend more faster, go on a splurge,

Listen to the urging of the bank,

It’s like the call of the siren,

With my own inner greed to thank,

 

The banks are so happy when I spend,

They love it when money is coming in,

But they refuse to let me make amends,

So who will bail me out if I overspend,

 

Take my house, my car, and yes, my heart,

Second chances are for the big and strong,

Wall Street corporations needing a new start,

How can they tell me I’m in the wrong,

 

Mainstream America caught in the flow,

In the world of finance some will drown,

Where it will stop nobody knows,

Struggling and spending and still going down,

 

The creditors are cold and foreclosures are wide,

There’s no place to run and no place to hide,

And where are the leaders who tend the sheep,

They’re either counting their money or fast asleep.

 

 

 

 

 

 

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Bills, Bills, Bills

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He was
sitting at the bar,

His eyes
were full of tears,

He claimed he was a bit tipsy,

He’d had one
too many beers,

 

“Son, let me tell you a story,

About what
happened to me,

Sometimes life
just isn’t fun,

And I’ll bet
you’ll agree,

 

If you’ll buy me one more drink,

I’ll tell my
tale of woe,

I’ll tell
the truth, the awful truth,

Then I’ll
have to go,

 

A year ago I
was much like you,

I was
convinced I had it all,

I had a job
and was very smug,

That was
before my great fall,”

 

“I don’t
love you now,

That you’re
down and broke,”

I can still
hear her voice ringing,

With the
harsh words she spoke,

 

Then she
piled bills, bills, bills,

Upon the
countertop,

“You just don’t
earn enough money,

These bills
just have to stop,”

 

“Would she
still be hanging around,

To tell me I’m
worse than a louse,

If I told
her I was just laid off,

And soon I
would lose the house,

 

Because of
bills, bills, bills,

I needed a
brand new start,

Every penny
was simply gone,

And my life
was falling apart,

 

There was no
way to reassure her,

Without having
to continually lie,

No cash was
in my bank account,

My investments
had gone awry,

 

If I had
diamonds and lots of gold,

Reported to
be a girl’s best friend,

I’d spend
freely to buy love,

And keep up
with the prevailing trend,

 

Because I have
bills, bills, bills, bills,

There’s no
merriment in the house today,

My wife has
up and left me,

But the
debts are here to stay,

 

Credit
cards, checkbook, transactions online,

In
commercials all is done with a smile,

I know I can’t
take money with me,

But I’d like
to have some for awhile,

 

And bills,
bills, bills, and more bills,

Are raining
from the sky,

How can I
pay if I’ve nothing to give,

I’m worried
but I can’t even cry,

 

Be generous,
help the poor,

Everywhere I
turn it’s the same,

People I’ve
never met before,

Suddenly know
my name,

 

But bills,
bills, bills, bills,

I wish
someone really understood,

These bills
are driving me crazy,

I’d shred
them if I could,

 

A bundle of
bills are waiting,

They’re
coiled and ready to strike,

A cardboard
box will be my new home,

My next car
will be a bike,

 

And now
there are bills, bills, bills,

The postman
brings me more,

The creditors
are getting anxious,

They’re
beating on my door,

 

No job, ill
health, lots of stress,

Problems greet
me every day,

Friends
avoid me like the plague,

Only the
bills are here to stay,

 

Late bills,
silver bills, big bills,

No way can I
relax,

Percentage
rates are raised,

Now I can’t
pay my tax,

 

Easy money
and easy street,

Seemed like
a life for me,

But bills,
bills, bills, bills,

Keep me in
agony,”

 

He took a swig
and stumbled out,

Into the
dark of night,

I watched
him go as long as I could,

Until he was
out of sight,

 

I often think
of what he said,

About being
in agony,

As the bills
come in each month,

I wonder if
it could happen to me.

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