To Whom It May Concern:

Dear Chequing Account,

I know that over the years we have had our ups and downs, and I know that this must be a scary time for you, what with it being only half-way through the month and already most of you is gone. However, I just want you to know that I really needed to buy that OPI nail polish yesterday. Needed. I don't expect you to understand. So you'll just have to trust me. And besides, November is only 30days long, so I'm sure we'll be fine.

Your (sometimes) friend,
Liz