I mentally glossed over that first paragraph I think on accident. Your first idea I think is just as valid, I somehow thought you really did mean it more like how I described it. I mean shit, yeah if I had 110 bucks to pay of this stupid credit card instead of paying the pathetic minimum for another year that would help a lot, just seems kind of awkward asking personally for money. Maybe I should put something about "add your paypal address so people could send you a couple of bucks if they wanted to". Plus, there is the emotional aspect, for some people just getting a nice present in the mail even if it only cost like 6 bucks or something , is just a psychological boost, so could just blend the (three?) ideas.