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But you must focus, stop this daydreaming," Dick paused, "do you understand?" Yes I do Dr Stewart, actually I do," Penny smiled, and walked off to join Steve, who held the door open for her."So are you still off out on your own, or are you more sociable now?" Steve asked."I have to sort this out Steve, it's affecting my work. I have to sort it out alone; it's my problem, OK?" Yeah, I suppose, still you know where I will be if you need me, like, you know -- later." Yes I know; one track mind, you," Penny smiled, and gave Steve a peck on the cheek."Don't I get more than that?" Steve complained."Like you said, maybe -- later," Penny giggled as she walked away.She pulled the flaps of her jacket closed in a vain attempt to keep the wind out. Penny lent against the wall of the Adshel bus stop and wondered about life.'What attracted me to this concrete splendour, this provincial University on the edge of Norwich? Well the social life was good, but at this time of year, god was it bleak.. I do have a good job I like doing, but I tend to live from paycheck to paycheck. So with the New Year coming up, I have just found out my credit cards are maxed out, and I have very little in the bank. My resolution is to balance my checkbook and to pay down my credit cards. Everything worked well until the third week in January when a new model of a phone came out. I went to the cellphone store to buy it, and I got a surprise. When I went to pay for it, all three of my credit cards were declined. Next I tried to pay for it with a check, and my check didn’t go thru. The store also had a payment plan, and I filled out an instant application. To my surprise, that was declined too. I guess with my credit cards maxed out, they made my credit rating very low. Then what did me in, was the next day, I got a notice in the mail from my bank, saying I was overdrawn. Now I was desperate. What was I going to do? So I called a helpline center, and talked to them about what I could do. Since I had.
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