Ah,This Economic Stress

All kinds of bills are piling up, collectors keep on calling me... making their threatening phone calls; I would like to unplug the telephone wire and have some peace at night... but borrowing money is not one of the remedies! My car insurance is due by the end of the month, this paycheck only covers some necessities, trendy attire and expensive dinners with friends must wait; God forbid, I do oversleep and I am late... portion of my earnings is a tremendous loss, and in deeper waters I'll swim, never reaching shore! My cell phone is overused and is too invaluable, it could spare me some headaches on some stranded highway; I'm thinking of switching to a prepaid one to save me a bundle! Even my haircut must wait, once a month, not twice; ah, this economic stress...is really testing my sanity! What should I do from preventing those embarrassing lawsuits? Finally, I called on some friends, whose situation isn't that bad, they said they'd help me...since I helped them when they needed a hand; interest-free and a long-term loan, and would like to know beforehand: what I am going to tell those greedy and inconsiderate bastards from my bank? " Keep your money in the vault, I refuse to borrow it and make you rich; I have found a better way to improve my financial situation by making you itch! "