“If you find that you are bending over backwards, it may be time to reconsider your approach.” I love my friend Lindsey, and she’s always given me good advice, but sometimes she sounds like a fortune cookie. “Lindsey, I have tried everything BUT bending over backwards. I’m just going to have to come to terms with the fact that I’m never going to be able to buy any new clothes or shoes or eat anything that doesn’t say, ‘just add hot water.” Lindsey sighed and said, “ It can’t be that bad. Do you know your current credit score and how it compares with what is a good credit score?” “Not really and certainly not. And, on the grounds that I don’t want to wake up screaming, I don’t really want to find out.” She made a face at me and I gave her a stick of gum so she would have to take a moment before the next lecture.