Alessandra Liverani (Wollongong, Australia)

There's bills to be paid and food to be bought
But the money in your bank account always seems to be short
How in this world can you for yourself fend
Oh, it'll be alright because along comes your friend
 
And your friend gives you some money to help make ends meet
This friend of yours, well he's quite hard to beat
Just when you think you'll go under for sure
This friend comes along with money galore
 
But what you don't realise is things aren't as they seem
This friend comes from a nightmare, not from a dream
Because before this friend gives you even one cent
He's taken money from your account which was for the rent
 
Sure, he seems like he's always giving something to you
But he takes first in secret and then gives you a few
This friend that I mention, did you guess, he's the cigarette
A friend who takes in secret will always keep you in debt