Dear Bills

Dear Bills,

Christmas will be here in two short months. I need some money to buy gifts for the following people: Mom, Dad, Erin, Tom, Grandparents A. and Grandparents S. My family draws names each Christmas (because of my money problems) and I picked my dad and my sister. We set a limit of about $40.00. Which is helpful, but I still need to buy for everyone.

This is where you come in. I can't afford to buy gifts for all these people. You see, I have a lot of bills. I don't have the extra $250.00 (estimate on gifts only) to spend this Christmas. I'm not even sure I have the money to buy a real Christmas Tree (Tom and I make sure we get a good live tree) or the awesome picture cards I want to order. Can you please help me out? Lower my interest rates, give me a month off, send me some money as a thank you for never being late. Anything at all would be appreciated.

Thanks,

A hopeful bill payer