&ldquo;Living in the Village&rdquo;
by Ryan C. Mack c.2010, St. Martin&rsquo;s Griffin
You&rsquo;ve learned your lesson.
In the past four years, you&rsquo;ve learned that you can&rsquo;t spend frivolously. You can&rsquo;t use credit unwisely, there&rsquo;s no &ldquo;wiggle room&rdquo; on bill-paying, and the only way to face your future is to put money back into your own pocket with savings [...]