Having filled my cart more or less with what I came for despite the noise from the choir (okay, there may be a few extras thrown in there), I tell the kids it is time to check out. My daughter spots something on a nearby shelf and says, "Hey, Mom..." I stop her. "Honey, I think we've spent enough money for one day. We don't need anything else." Far too innocently she retorts, "But you have a credit card." I can't help it. This makes me laugh out loud. I try and explain how credit cards work. I tell her that I will still have to pay the bill at the end of the month. "What bill?" she asks. I give up. "Never mind," I say, and wonder if maybe my parents really did know what they were talking about. I figure it's worth a shot, so I say, "Honey, money doesn't grow on trees." She looks at me like I have two heads, smiles and says dreamily, "I wish it did." Well, that we can agree on.