Late Fee 12-Step Program

Welcome to the Late Fee 12-Step Program, where you can finally face the music and pay your overdue bills.

Step 1: Acknowledge Your Debt

Take a long, hard look in the mirror and admit to yourself that you're a slave to your creditors.

Try to create a budget, but let's be real, you're probably going to end up eating Cheetos for dinner every night.

Put off paying your rent until the last possible minute, then scramble to come up with some creative ways to beg for an extension.

Call up your mom, your dad, or a random stranger on the internet for advice on how to pay off your debt.

Go to the nearest coffee shop, order a $5 coffee, and stare intensely at your creditors until they give you a better deal.

Send a check, but not before you've had a chance to eat an entire pizza by yourself.

Just keep on repeatin' the cycle, like Groundhog Day, but with more overdraft fees.

Tell all your friends and family about your financial woes, and get sympathy and free advice from strangers.

After all that stress and anxiety, you're going to need a nice long nap to recover.

Hey, at least you can write off your debt as a business expense!

Just give 'em some cash, and they'll totally forget all about that pesky interest rate.

And that's it! You made it through the 12 steps, only to start all over again. Congrats!