The Ghost of Expected Surprises

Here, Cratchet, what do you think you're doing?

Uh, er, leaving sir.

Leaving? It's 5 minutes to the hour. Shall I dock your pay accordingly.

Uh, er, no sir.

No sir? Well it's back to work for you then, and be quick about it. And I don't expect your mind to be off home before your body gets out the door either, what?

Uh, er, no sir.

Quite.

Will you be doing anything for Christmas, sir?

Christmas, Schmissmiss.

Uh, er, what sir?

Schmi, schmish. Smiss.

Are you okay, sir?

Schmee, smaa, ooh.

Mr. Scrooge, sir? Mr. Scrooge? Mr. Scroo?.

***********************************************************************

Oooohhh. Ooooooooooooooh!

What? Who? What? Oh!

EEEIIIIII am the Ghooooost of Expeeeected Surprises.

What? What? Again? Not again. Oh please, spirit, not again. Please no.

EEEIIIIII visited yoooooou laaaast year, Scroooooooooooooge.

Oh, yes, spirit, that you did. That you did. Ooooooooh, and here I forgot!

FOOOOORGOOOOOT!!!!!

Oh, please spirit. Not so loud. Not again. Not again.

Why am I heeere again, Scrooooooooge? Why again?

Uh, uh, because I forgot the very thing that comes around every year. I forgot, yet again, Spirit. Silly me. Oh, silly silly me. I'm a bad man, spirit. Please have mercy. Oh please.

What is the Deeeeefinition of Expeeeected, Scrooooooge?

Um, of course, yes, I know this, why it's something known in advance. Yes. Known in advance, spirit. Something you can see coming. It's clear. It's clear now, spirit. Foresight. Advanced knowledge.

And yet you are caught unprepaaaaaared again this year, Scroooooooge!!

I am, good spirit. I am wholly unprepared. I didn't see you coming either, I fear. Stupid, silly man that I am. Oh spirit. Please. What is to become of me?

Yoooooouuuuuuu knoooooow.

Oooooh. Not that spirit. Anything but that.

Yeeees. Scroooge. Revise yoooooour buuuuuudgettt.

My, my budget, spirit? But I have a budget.

Muuuuuussssst yooooou beeee reminded agaaaaain? Yooooou have a moooonthleeey budget, Scroooooge. Buuut you have nooooo alloooocation foor annual expeeeennnssses.

I forgot, spirit. I forgot.

Eveerrrry year yooooou have nooooo money fooooor Christmaaaaas. Noooo money foooooor birthdaaaaay gifts, noooooo money foooooor caaarriage insurance, noooo caaaash for property taaaaxes.

No spirit. Never a penny. Never a pound. Never a schekel I fear. I'm tapped out and credit cards haven't been invented yet!

AAAAAAAAAAAAAAAAAAAAHHHHH! Never meeeention credit caaards, Scrooooooooge!

Sorry, spirit.

The Ghoooost of Future Expeeeeected Surprises is beset with credit caaaaard nightmaaaaares! Yoooooou don't waaaant a visit from hiiim.

No spirit, no. Not him. I've learned my lesson spirit. I have. I know I have. I will budget for annual expenses from now on. No longer will Ebenezer Scroooge be surprised by the expected. Caught without cash for things he knew, and always knew, were coming...yet again.

Caaaaash fooooor Christmaaaaaaas gifts too, Scroooooooooooge?

Wa, uh, ee, well, uh?

About The Author

Rick Hoogendoorn has been in the financial services industry in Victoria, BC since 1991. Happy Holidays from Cheri Crause & Associates Inc.


Free Quran in All Languages

Free Tafsir Books

Understanding Credit Report Score

Understanding credit report scores is important when you see your... Read More

Making Sense of the Information in Your Credit Report

If you've ever applied for a credit card or loan,... Read More

Are You The Only One Using Your Name?

Identity theft has become an epidemic. Millions and millions of... Read More

Everything You Always Wanted To Know About Your Credit Report

Your credit report is a very powerful report that essential... Read More

Finding and Applying for the Right Credit Card Offer Online

Anywhere you go online nowadays, you will see a multitude... Read More

Which Credit Card?

Bewildered by the sheer variety of debit cards and credit... Read More

Credit Cards: What is the Universal Default Clause?

Most people who carry major credit cards are well aware... Read More

Consumer Credit Reports

A consumer credit report is a factual record of an... Read More

How You Can Help Prevent Identity Theft

How can I prevent Identity theft from happening to me?... Read More

The Truth About Credit

What you might not know about credit.Some people don't know... Read More

Useful Tips on Borrowing Money

Here are some useful tips on borrowing money. Borrowing money... Read More

How To Repair Your Credit Report

A credit report is run on a buyer when he... Read More

How To Use Your Credit Card For Ultimate Financial Advantage

Using a credit card wisely is an important step in... Read More

How To Get Out Of Credit Card Debt

If you're like the average person, let me warn you... Read More

The Advantages of Credit Cards

There are many evils associated with credit cards, but there... Read More

Credit Reports Inside and Out

The Credit Report is like your scorecard in the lending... Read More

Good Credit is King, When Qualifying for Mortgage Programs

If you want to purchase a new home or refinance... Read More

My Credit Card Application Was Rejected! Now What?!?

No doubt, you've probably gotten literally hundreds of credit card... Read More

What You Need to Know About Credit Reports

You hear people talk about credit reports all the time... Read More

My Student Credit Card Adventure

And some practical advice too!My first credit card?I remember my... Read More

Why Should You Use Credit Cards

Believe it or not, the way society, especially the commercial... Read More

Read and Understand Your Credit Card Statement

Have you ever looked at your credit card statement and... Read More

The FICO Score Misconceptions

There are many misconceptions about credit scores out there. There... Read More

How to Get Credit Reporting Agencies to Help You

The process of clearing credit can be laborious and frustrating.... Read More

Getting Your Credit Report and Understanding Whats On It

If you intend to apply for a loan, you need... Read More