There are two reasons I don’t have a credit card. The first reason is that using a piece of plastic instead of ___41_cash__(現金)__ makes it too easy for me to buy things I can’t afford. __42_For instance_(例如)_ , last week I saw a $75.00 pair of pink shoes in my favorite shoe store. Of course, I don’t need pink shoes,__43__nor_(也不)__ can I afford them. With a credit card, however, I would now own those shoes and be worrying about how to ___44 pay _(支付)_ for them. The second reason I don’t have a credit card is that I would end up in ___45_debt _(ph.負債) like my friend Sara, the Shopaholic, who got a credit card last year and already owes $4,000.