This high-interest, low-vocabulary novella is intended for adult basic education (ABE) and English as a Second Language (ESL) readers. "I just got my first credit card. I love it! It's like play money." Terri is divorced. She is free to do what she wants. Shopping is what she wants to do most. "You will get a bill, you know," says he good friend, Brett. But Terri does not listen. Soon Terri is in trouble. She can't keep up with the bills. The credit card companies are after her. Terry looks for an answer to her money problems. Along the way, she finds love. But not without breaking someone's heart. Does Terri find a way to fix her money troubles and her love life? Lexile level: HL510L