Ring, ring, ring; again there goes my phone;

I think it rings even when I’m not home.

Bill collectors, creditors and my next door neighbor too,

all ask the same dumb question…what are you gonna do?

If I had the money, I’m sure I would pay,

but since I don’t; what do you want me to say?

They all want money, it’s making crazy I can’t think

one things for sure, my financial life stinks

Bills, bills, bills is there no end,

all my creditors want to know is how much can I send.

I’m not upset, I know they are just doing their job;

I’m just tired of borrowing money from Peter to pay Bob.

I’m looking ahead to payday, hoping things will get better,

Now look what’s in the mail, 3 different CHAIN-LETTERS.

People will try anything, and I do understand;

I feel like a lot of people, like going to stick my head into the sand.

Credit couseling, financial help and maybe even bankruptcy could do the trick;

I need something cause these money problems is making me sick.

The Light bill, gas bill, and water bill too…

are all 2 or 3 months behind, what can I do.

You know what, on top of those bills I see those chain-letters,

and they all are starting to look better and better.

But nope! I can’t do that, cause it’s not right

there has to be some help somewhere in sight.

I’ll just keep hoping and praying and going to work everyday,

all this talk about bills is making me hungry…I need a buffet.

The food smells great…just let me fix my collar

I’m checking my pockets, where is the heck is my $20

Frustration and stress, I want them to end

My money problems has struck again.

Money Problems; I need an answer and a clue

Oh, I forgot to tell you, I gotta pay child support too.