Chapter 3

Brett and Terri

saw each other

nearly every day,

coming and going.

One morning

they ran into each other

getting their mail.

That day,

Terri got

three new credit card offers.

“You are pre-approved!”

said one letter.

“We’ll give you

a higher credit limit!”

said another letter.

“No annual fee

for the first year!”

It was easy

to get more credit.

“Why not?”

Terri said to Brett.

And she signed up

for three more cards.

When the first new card

came in the mail,

Brett watched Terri

rip open the envelope.

“Come shopping with me!”

Terri begged him.

“I need some things

for my apartment.

And then I’ll take you

out to dinner.”

Brett couldn’t say no.

He wanted to be

with Terri.

She was pretty.

She was fun.

She was happy

all the time.

So off they went

to the shopping mall.

Terri bought

a clothes rack

to hang new clothes on,

because her closet

was full.

She bought

a new clock,

only because she liked it.

She also bought

a new rug.

She already had

a good rug.

But she bought

a new one anyway.

And she bought

two more handbags.

At least five handbags

were already in her closet

with tags still on them.

Brett helped Terri

carry everything

to his car.

He stuffed the things

in the trunk

and the back seat.

Then he carried everything

up to Terri’s apartment.

After that,

they went out to dinner.

Terri paid

with the new credit card.

“My treat!”

she said.

“Are you rich

or something?”

Brett asked her.

“Those cards

aren’t play money,

you know.”

“Not your problem,”

Terri told him.

“I’m on top of it.”

“I’m speaking up

because I care

about you,”

said Brett.

“I don’t want

to see you

get into money trouble.”

“Really, Brett,”

said Terri,

rolling her eyes.

“You don’t need

to worry about me.”