Sweetheart, it's been awhile since I last wrote you a note. I'm happy that i can do this now beside you, thanks to mommy's new phone and the pitfalls of my credit card management.
If you have a credit card by the time you're reading this, let me tell you now -- YOU DO NOT NEED THAT. No, not for emergencies, not for gifts that you need to buy, especially not for your groceries or daily needs.
Cut up that card, or I will cut it up for you.
I love you Esha.