Pennies rolling roon a scaffy auld purse.  
Last year wis bad, but this year is worse.
Winter comes freezing these auld joints,
An'a cannae make it to the bank or any cash points.  
And If A could A wid see nothing but zeros.
While the men in suits cut budgets and call themsel's heroes.
But I guess, once again, it's that auld December curse:

Heating or Eating ( Or perhaps a penny to quench ma thirst)?