And I can't help but wonder if while she couldn't come up with $60 a month for her debt, whether or not she still could still find money for beer, cigarettes, and cable TV.
As a former landlord, it was always fascinating to me to hear the sob stories about rent, but see the same tenants constantly buying new toys. My dad had a tenant that actually once told him, "I can't pay the rent this month because I have to buy baseball equipment for my boy".
I guess he was honest, at least, but it just shows that there is a significant portion of the population that believes luxuries are a higher priority than responsibilities. Too many people have been taught (and have experienced) that someone will bail you out of your responsibilities. It's like the old story about how the Air Force builds bases: Put the bowling alley in first, and the runway in last, and when you run out of money early, well, you HAVE to have a runway!