The New Balance Now Paid

Now and then, to buy is right,
Credit gained seems out of sight -
Those purchases give such delight,
So much wrong is somehow right.

My credit card does have a fee,
An interest rate, high as can be.
The maxed-out balance never free,
A plastic's used up currency...

Now's the time to take a stance;
Pay it off - don't waste the chance.
Ensure more spending, just enhance
Your future joy, that buyer's dance!

The Christmas tree seems so eye-popping -
Birthdays, grads, their wedding's hopping.
High-priced clothes whose costs are topping
A normal sales tag - now we're shopping...