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The kitchen sink had been gurgling angrily at me for three days, so when the repairman finally knocked on my apartment door, I was already ready to kiss him. Within twenty minutes, the pipes were cleared, the water was flowing smoothly, and I was feeling immensely grateful. Right up until the moment he handed me the invoice, that is.

My checking account was currently hovering somewhere in the neighborhood of negative four dollars and I realized my usual charm wasn’t going to magically conjure up a hundred and fifty bucks. “So,” I began, as I flashed him my most disarming, slightly mischievous grin and tapped a fingernail against the paper. “Bad news on the financial front, Marcus. It turns out my bank and I are currently not on speaking terms, and my wallet is about as empty as this sink used to be…”

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