After a while you think of that funny noise as good company, like the footfalls of a troupe of Hobbits with whom you are merrily crossing the Shire, drinking wine from flagons.
BONUS TIP: It's procrastination. If you only ever ride to the bar to meet hot ladies, smoke a pipe and eat goulash while throwing darts, bicycle maintenance will continue to run a distant second.
Schedule a trip to your financial adviser.
(Or - if the reason you can spend all day at the bar is that your financial affairs are in order - to your dentist).
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