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PAYBACKWRITTEN BY: Ryan McWhinnie
Ryan, your in heavy debt right now. You have gone way over the limit on your credit card and have lots of loans
Oh no! I'm screwed!
This is terrible! I need help!
Mr. Smith, I am in major debt right now and I need help fixing this mess!
Well, what have you been doing lately that has led you to this?
Well I've been spending too much money, more that I can payback.
I think to solve this issues your going to have to return some of the things you got and get some money back.
Credit can be good if you are responsible with it. Over spending will destroy your future.
I'm sorry. I was way to compulsive with my spending and I should be smarter going forward.
Hey wife, I'm returning the electronics I just bought because I cannot repay my credit.
Why can't you repay your credit?
Because I have been spending more than I make. I've been irresponsible.
Well I'm glad your trying to correct your mistake
I'm here to return all my electronics I bought so I can payback my credit.
Hey dad! Why did you return all your electronics?
So I can payback my credit. Paying back your credit will look important on your credit history.
Why is having good credit history important?
So in the future, I get the best interest rate offers on any loans I get.
Just a reminder that you have your payment is due tomorrow.
Oh gosh, thank you for saving me and my credit history.
Mr. Smith! Is that you?
Indeed it is!
Because of you I'm debt free!!
I'm so happy for you. You took my advise and it worked.
I now know not to borrow so much money. It will screw up my future.
To celebrate you getting out of debt, we are eating here tonight!
Thank you!
I promise that I will use my credit more responsibly in the future and not over spend
I sure hope you do!
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