Ron: Uh, could I borrow a few bucks until payday? I'm a little strapped for cash.
Nancy: Uh, yeah, I guess, but I'm pinching pennies myself, and you still owe me $20 from last week. And mom and your friend Ron said you borrowed money from them this past week. [Oh, yeah.] How ARE things going anyway?
Ron: Well, not very well. To be honest, I'm really in the hole, and I can't seem to make ends meet these days.
Nancy: What do you mean? I thought you landed a great job recently, so you must be loaded.
Ron: Well, I do have a job, but I've used my credit cards to pay off a lot of things recently, but now, I can't seem to pay the money off.