0:00:01 > 0:00:06# Every day you walk down the street Everybody that you meet
0:00:06 > 0:00:11# Has an original point of view
0:00:11 > 0:00:13- # And I say, hey!- Hey!
0:00:13 > 0:00:18# What a wonderful kind of day We can learn to work and play
0:00:18 > 0:00:21# And get along with each other
0:00:21 > 0:00:24# You gotta listen to your heart Listen to the beat
0:00:24 > 0:00:30# Listen to the rhythm of the street Open up your eyes! Open up your ears!
0:00:30 > 0:00:34# Get together, make things better By working together
0:00:34 > 0:00:39# It's a simple message And it comes from the heart
0:00:39 > 0:00:43# Believe in yourself For that's the place to start
0:00:43 > 0:00:48- # And I say, hey!- Hey! - What a wonderful kind of day
0:00:48 > 0:00:53# We can learn to work and play And get along with each other
0:00:53 > 0:00:59# What a wonderful kind of day, hey! What a wonderful kind of day, HEY! #
0:00:59 > 0:01:01Hey, DW!
0:01:02 > 0:01:04- Hey!- Whoa... Ooh!
0:01:07 > 0:01:10'Welcome to Smart Accounting!
0:01:10 > 0:01:15'Starring Elwood Elementary's favourite financial advisor,
0:01:15 > 0:01:17'Muffy Crosswire!'
0:01:17 > 0:01:21Hi, everybody, ready to smarten up on your accounts?
0:01:21 > 0:01:23Let's go to the phone.
0:01:23 > 0:01:25Hello. You're on the air.
0:01:25 > 0:01:30- 'Hi, Muffy. I love your show.'- Thank you.- 'I just earned 25 babysitting,
0:01:30 > 0:01:34- 'should I buy a new skateboard or put it in the bank?'- Duh!
0:01:34 > 0:01:39Put your money in the bank and save up for something really good,
0:01:39 > 0:01:42like designer pumps with bows! Next call.
0:01:42 > 0:01:44'Hi, Muffy. I love your show.'
0:01:44 > 0:01:47Thank you, so do I!
0:01:47 > 0:01:52'I just came back from the movies and I had to borrow money.
0:01:52 > 0:01:56- I remember.- 'Do I just owe my friend the 6, or should I give her more?'
0:01:56 > 0:02:02No, no, no! Listen up, people, when you borrow money or ask a favour,
0:02:02 > 0:02:06you are in their debt - which is where you don't want to be!
0:02:06 > 0:02:11- 'It was only 6!'- What about the popcorn she shared with you,
0:02:11 > 0:02:17- and the sips of smoothie?- 'OK, OK, so I owe you one.'- Uh-uh-uh!
0:02:17 > 0:02:22The four words you should never say are, "I owe you one,"
0:02:22 > 0:02:25because it never ends up being only one.
0:02:25 > 0:02:31Let me tell you a true story about someone who found out the hard way.
0:02:31 > 0:02:34'I only took one sip of your smoothie.'
0:02:34 > 0:02:38Sssh, Francine! I'm about to tell the story!
0:02:42 > 0:02:46I owe you one... Hey!
0:02:47 > 0:02:50ZAPPING AND BEEPING
0:02:50 > 0:02:55Buster, I'm going out for the afternoon.
0:02:55 > 0:02:59I want those leaves raked by the time I get home at 5 o'clock.
0:02:59 > 0:03:04- GAME NOISES CONTINUE - Buster! Did you hear me?
0:03:04 > 0:03:05Yes!
0:03:13 > 0:03:16All right, I win again!
0:03:16 > 0:03:20- 'Another game?' - Like you needed to ask.
0:03:20 > 0:03:26Oh! 4.15 already?! That can't be right. I've been playing since 12!
0:03:26 > 0:03:27Aaaaaargh!
0:03:32 > 0:03:36Oh no! I'll never get the raking done. What am I gonna do?
0:03:37 > 0:03:43Um, OK, Buster. I can spare half an hour. I'll be there right away.
0:03:43 > 0:03:45HE SIGHS
0:03:47 > 0:03:48Hey, Arthur.
0:03:48 > 0:03:52There's a rake on the deck. We gotta be done by 5.
0:03:52 > 0:03:56You know I was in the middle of reading the Bellicose Bathroom.
0:03:56 > 0:04:01Sorry, Arthur, I really appreciate it. I owe you one.
0:04:09 > 0:04:11So what did you guys do yesterday?
0:04:11 > 0:04:15- Raked.- Raked. - Watched the gardener rake.
0:04:15 > 0:04:19Me too! Our yard had four weeks' worth of leaves and I only had
0:04:19 > 0:04:23half an hour to rake them. Good thing Arthur came to help.
0:04:23 > 0:04:27- Lucky break. So now what you gonna do for him?- Do for him?
0:04:27 > 0:04:31Uh... I don't know. He didn't ask for anything.
0:04:31 > 0:04:35He helped you without asking for anything in return?!
0:04:35 > 0:04:39Uh-huh. I said I owe you one but he never collects.
0:04:39 > 0:04:42Yep, Arthur's a really great guy.
0:04:45 > 0:04:50- What?- Buster, how many favours has he done for you?
0:04:50 > 0:04:56Let's see, yesterday, a couple the day before that, that one on Monday,
0:04:56 > 0:05:01about 10 last week so, that's 14, carry the one...
0:05:01 > 0:05:04Um...a lot! Why?
0:05:04 > 0:05:08- Buster, have you ever heard of interest?- Sure.
0:05:08 > 0:05:10I have lots of interests,
0:05:10 > 0:05:14video games, aliens, video games about aliens...
0:05:14 > 0:05:17Not that kind of interest! I'll show you.
0:05:17 > 0:05:21Let's say you bought a bunch of stuff with a credit card,
0:05:21 > 0:05:24this is how much money you've spent.
0:05:24 > 0:05:26We'll just call it a lot.
0:05:26 > 0:05:31For however long you don't pay that money back, a bit of money is added,
0:05:31 > 0:05:33which is called interest.
0:05:33 > 0:05:35Then you owe money on the interest.
0:05:35 > 0:05:38Then you owe even more money!
0:05:38 > 0:05:40And more and more...
0:05:40 > 0:05:43And more and more and more...
0:05:43 > 0:05:45What are you saying exactly?
0:05:45 > 0:05:48Owing favours is like owing money.
0:05:48 > 0:05:51And that's how many favours you now owe Arthur.
0:05:51 > 0:05:53Huh?
0:05:53 > 0:05:57One day he could decide to collect them all, what do you think of that?
0:06:00 > 0:06:02PHONE RINGS
0:06:04 > 0:06:09- Hello.- 'It's Arthur. I'm in a bind, could you come and help me out?'
0:06:13 > 0:06:15WIERD THRUMMING NOISE
0:06:21 > 0:06:26- Thanks a bunch, Buster.- What's that sound?- Oh, nothing, come on in.
0:06:28 > 0:06:30Buster, I'd like you to meet my house guests.
0:06:30 > 0:06:33- BUSTER GASPS - They came to Earth to capture
0:06:33 > 0:06:37a human and picked me but I wanted to stay and finish this book.
0:06:37 > 0:06:40Then I remembered all those favours you owed me.
0:06:40 > 0:06:44Oh... Aaaaaaah!
0:06:46 > 0:06:48Aaaargh! Oh...
0:06:49 > 0:06:52RUSTLING OUTSIDE
0:06:55 > 0:06:58Buster, I already raked the lawn this morning.
0:06:58 > 0:07:01Good thing I showed up then, cos you missed some.
0:07:01 > 0:07:03Why are you doing this?
0:07:03 > 0:07:08Just wanted to return those favours before there's too much interest.
0:07:08 > 0:07:11- Huh?- Anything else you need done?
0:07:11 > 0:07:16Buster, I'm really into this book right now, let's talk later, OK?
0:07:16 > 0:07:19When are you gonna want me to pay you back?
0:07:24 > 0:07:28- What you doing?- Figuring out how many years till I'm out of debt.
0:07:28 > 0:07:34- Binky, have you ever owed favours to anybody?- Me, owe something?!
0:07:34 > 0:07:38- Not if they know what's good for 'em.- That's what I thought.
0:07:38 > 0:07:43If you want to talk about owing favours, talk to Arthur.
0:07:43 > 0:07:48I lent him my hockey stick last year, he said, "I owe you one,"
0:07:48 > 0:07:52- but...- He hasn't paid you back?- Then there was the time I babysat for DW.
0:07:52 > 0:07:57Six straight hours of Mary Moo Cow, I still haven't recovered.
0:07:57 > 0:08:00Nah, it's no big deal. What are friends for, right?
0:08:00 > 0:08:03What are friends for - exactly!
0:08:05 > 0:08:07CLARINET PLAYS
0:08:07 > 0:08:10RUSTLING NOISES
0:08:13 > 0:08:16- What are you doing? - Paying you back.
0:08:16 > 0:08:18For what? You don't owe me anything.
0:08:18 > 0:08:22No, but Arthur does and I owe him for a lot of things.
0:08:22 > 0:08:26So, if I pay you back, I'm really paying him back, get it?
0:08:26 > 0:08:32Not really. But hey, if you want to do stuff for me, that's cool.
0:08:32 > 0:08:36- When do you want to start?- I started! I raked your yard.
0:08:36 > 0:08:41- Oh no, my dad always does that but I got other chores for you...- OK.
0:08:41 > 0:08:44You can start by getting the gum off this sneaker.
0:09:09 > 0:09:11PHONE RINGS
0:09:11 > 0:09:13HE YAWNS Hello?
0:09:13 > 0:09:17Hey, Buster, it's Arthur. What are you doing this afternoon?
0:09:17 > 0:09:19DOOR BELL RINGS Oh... Hold on.
0:09:19 > 0:09:25Buster, Binky said you're doing favours for him to pay back Arthur.
0:09:25 > 0:09:26Yeah...
0:09:26 > 0:09:29You know, Arthur owed me a favour or two as well.
0:09:31 > 0:09:35Arthur? Sorry, looks like I'm busy.
0:09:35 > 0:09:41- 'Oh, OK, see you later, I guess.' - Yeah.
0:09:47 > 0:09:49DOOR BELL RINGS
0:09:56 > 0:09:58DOOR BELL RINGS
0:10:10 > 0:10:12DOOR BELL RINGS
0:10:12 > 0:10:16PHONE RINGS Excuse me a minute...
0:10:17 > 0:10:21- Mm-hm...- Buster, it's Arthur.
0:10:21 > 0:10:25Are you still busy? It's been two weeks since we played together.
0:10:25 > 0:10:31I got two hours, movie theatre 4 o'clock. See ya.
0:10:33 > 0:10:37This is so great. I thought you were mad at me for saying...
0:10:37 > 0:10:41- MOBILE RINGS I gotta go.- Now?
0:10:47 > 0:10:49- Oooh...- Hey, Buster!
0:10:49 > 0:10:52- What's going on? - I'm paying you back.
0:10:52 > 0:10:56So you are mad. Listen, I'm sorry I closed the door the other day
0:10:56 > 0:11:00- but it was a really great book and I wanted to finish...- No!
0:11:00 > 0:11:04I'm paying back all the favours I owe you. Only 103 to go.
0:11:04 > 0:11:09- 103?!- Because of all the interest and the interest on the interest.
0:11:09 > 0:11:13I don't understand it totally but it's a lot of leaves.
0:11:13 > 0:11:16How is running away from me paying me back?
0:11:16 > 0:11:20Because I'm doing favours for all the people you owe favours.
0:11:20 > 0:11:21PHONE RINGS
0:11:21 > 0:11:23- Aaaah!- Arthur!
0:11:26 > 0:11:29- Are you OK?- Yeah, I'm just wet.
0:11:29 > 0:11:32Here, take my jacket, it's dry.
0:11:32 > 0:11:34Oh, look at your bike.
0:11:34 > 0:11:38Here, why don't you take my bike too.
0:11:38 > 0:11:42Woohoo! I'm finally paying you back. YES!
0:11:42 > 0:11:46Oh... PHONE RINGS
0:11:46 > 0:11:51Listen, I'll borrow your jacket and your bike, but then we're even!
0:11:51 > 0:11:53You don't owe me any more favours!
0:11:53 > 0:11:58- Really?- Just do your chores on time from now on, OK?
0:11:58 > 0:12:00It's a deal.
0:12:03 > 0:12:06Oh, wasn't that a touching story.
0:12:06 > 0:12:08Well, that's our show.
0:12:08 > 0:12:12Until next time, this is Smart Accounting with Muffy.
0:12:12 > 0:12:15Hey, what are you doing? This is MY show!
0:12:15 > 0:12:20But you owe me for that last time you borrowed Confuse The Goose.
0:12:20 > 0:12:24- Says who?- Don't worry, we're even now.
0:12:27 > 0:12:30Subtitles by Red Bee Media Ltd
0:12:30 > 0:12:33E-mail subtitling@bbc.co.uk
0:12:37 > 0:12:40# And I say, hey!
0:12:40 > 0:12:42# What a wonderful kind of day, hey!
0:12:42 > 0:12:45# What a wonderful kind of day HEY! #