If you must choose between two evils, pick the one you've never tried before. A fool and his money are soon partying. Plan to be spontaneous tomorrow. If you think nobody cares about you, try missing a couple of payments. I'd kill for a Nobel Peace Prize.
Bills travel through the mail at twice the speed of checks.
Borrow money from a pessimist - they don't expect it back. Half the people you know are below average. 99 percent of lawyers give the rest a bad name.