Part 1 So Far, So Bad
生活聊吧
Jane上了大學後花錢大手大腳，信用卡透支過度、負債累累疲於還貸……一切都糟透了，Mark勸她趕緊想想補救的方法。
（Two friends are talking in a university bar.）
Mark： Hey you！
Jane： Hey Mark！
Mark： How are you doing？
Jane： ①Totally fed up， to be honest with you！
Mark： ②A little down in the dumps， are we？
Jane： More frustrated than anything. ③I just need to let off some steam！
Mark： Oh yeah？ What is it？ Boy trouble？
Jane： Much worse than that！ It’s a matter of money！
Mark： Running low， are we？
Jane： I wish！ Not only am I totally 1）skint but I also owe money to various banks！
Mark： Oh no！ That sounds like a nightmare！ How’s that happened？
Jane： I’m shocking at budgeting. I just seem to throw money away.
Mark： What do you mean？ What are you spending so much money on？ Clothes？！
Jane： I wish！ I opened up a credit card in my first term and now I’m paying just the interest off that！
Mark： Oh Jane， why did you get a credit card？！
Jane： This card allowed you to get 15% discount at a famous pizza restaurant.
Mark： That’s ridiculous， Jane！ So careless！
Jane： It seemed like a good deal at the time！
Mark： But you’re getting into debt because of pizza！
Jane： But it is just so much easier to pay by card. It’s a way more convenient.