Dear SS,

You are on TD. You probably already know I am hellishly late with my November gift. My finances are so screwed, it isn't even funny. I haven't forgotten you, though. I just tonight closed down the oldest credit card I have rather than pay 32% interest. I have never had shi*ty credit in my life. I don't know how I got like this. However, I am trying to keep my head above water, and managed to pay off two tiny credit cards today. It's just, with the big one, the last payment was $935, which I couldn't get out of that check, so then I paid it today, but it was late, so some girl called me today and told me that the payment due now was $2000- right! I'm like, I'm inches away from consolidating them all- so I got on this "payment plan"...It all happened because of overspending at IM Florida. So anyway, I'm trying to catch up, and I will be sending you a spectacular gift as soon as I can pay cash for it- please be patient.

Nanci