Somehow you didn’t get to the tent or send the dentist his check. You’re frustrated when you begin to write the checks. There are more bill, than you thought. It seems your always behind. You know what past due notices look like.

Your bank has been informed that you haven’t paid your property taxes yet. Your American Express bill shows a balance’ from last month and, reminds you that payment in full is required upon receipt. The hardware store sends a letter telling you you’re in arrears and requests that you send a check at once. These rarely surprise you. You don’t slap your forehead and say, “Oh my God, how could I have forgotten?” Uh-uh. You’re familiar with this kind of communication, and your usual response is annoyance, depression, or frustration. You’ve had to get on the phone and argue, apologize, or express your indignation because the telephone or utility company is going to cut off service unless payment is made immediately. You’ve paid a certain bill only after receiving a threat from a creditor’s legal department or a collection agency . You resent your bills in general. You often say to your self, “They just don’t stop” or “God, won’t they ever leave me alone?”. Next Page