It's cold and the sky is grey -
The birds are in their nests,
My wallet is empty.
A statement from the bank -
More charges for taking out money
and going over the overdraft.
Twenty-five pounds a time -
I didn't know.
Nothing they can do,
When they have all my money -
and charge me for taking it out.
Tears come and the skies crack open and
The rain falls -
I have to run out before
The clothes are soaked.
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