1. Fix the World Up For You Music By: James Morrison

2. MOMMY MESSED UP. I BORROWED SO MUCH MONEY THAT I AM IN A LOT OF DEBT… Dear baby of mine, $25,000 OF DEBT…

3. ACCORDING TO MY CREDIT CARD STATEMENTS, IT WILL TAKE ME A TOTAL OF 33 YEARS TO PAY OFF ALL MY DEBT…

4. IT STARTED OUT VERY INNOCENTLY: I USED MY CREDIT CARD TO PAY FOR MY BOOKS FOR MY FIRST SEMESTER IN COLLEGE. I PAID IT ALL OFF WITHIN 2 MONTHS… $464

5. I DIDN’T WANT TO BE IN DEBT. BUT BEFORE I LEFT FOR THE ARMY, MOMMY BORROWED $1000 …TO TAKE MY FRIENDS OUT TO DINNER AND HAVE A 2-NIGHT SLEEP OVER AT A HOTEL.

6. I STARTED NOT PAYING IT OFF MONTHLY, BUT KEPT ON BORROWING MORE MONEY. MOMMY WOULD GET HOME-SICK AND SPEND $$ THOUSANDS $$ …TO FLY HOME, TO ESCAPE…

7. WHENEVER MOMMY WAS SAD, SHE WOULD BUY MORE THINGS, SPEND $$ THOUSANDS $$ NOT REALIZING THAT SHE WAS SPENDING MONEY SHE DIDN’T HAVE ON THINGS SHE DIDN’T NEED.

8. WHEN I SNAPPED OUT OF MY DEPRESSION $1000 A MONTH I STARTED PAYING JUST ON CREDIT CARD BILLS. LAST YEAR, I PAID A TOTAL OF $12,000 TOWARD CREDIT CARD BILLS.

9. THE INTEREST KEEPS ON COMPOUNDING MY BALANCE KEEPS ON ADDING UP THAT IT SEEMS LIKE I’M NOT MAKING ANY PROGRESS IN REDUCING AND ELIMINATING MY DEBT.

10. I’M SORRY THAT MOMMY WAS SELFISH INCONSIDERATE SHORT-SIGHTED …I WASN’T THINKING ABOUT YOU THEN.

11. …BUT MOMMY IS WORKING ON IT… …ON FIXING OUR FINANCIAL WORLD UP FOR YOU...