Yes, evil credit card companies seem to eat all my 
money...but I never miss a payment...and I always send
much more than the minimum...but with paypal its just
too easy to charge it!
I wish I could save money on books for college by putting
it on reserves at the library...but i am an 
art major...and the cost of art supplies is rocket high!
Oh well...
I keep the cash flow going by working hard and selling
off some of my cels when I get new, better cels.  The 
harder you work...the more rewarding the cels, ne?
Sophie