I woke up this morning yeah Picked the mail up in the hall Fixed some food and I had a drink And all my clothes Opened up the mail I can't believe my eyes Cause there was a bill for three pound five The sky was cold it was cold and dark On my way to the take-out park Catch the gate, I goofed again I just forget that I needed ten Got to work but I was oh, so late I got stopped an hour by the clock at the gate And all I've got is an I.O.U. All I've got is an I.O.U. All I've got is an I.O.U. Which comes to one forty-two After work I went to the bank To get money for gas in the tank I discovered I was overdrawn I wish I had something upon People say you can buy The things you need in life But I heard a lot of money Can't stop this drive And all I've got is an I.O.U. All I've got is an I.O.U. All I've got is an I.O.U. Which comes to one forty-two People say you can buy The things you need in life But I heard a lot of money Can't stop this drive And all I've got is an I.O.U. All I've got is an I.O.U. All I've got is an I.O.U. Which comes to one forty-two All my dreams are sitting low Well, live and laugh there'll be no race Wouldn't have to work Wouldn't need no pay Anything I want All I've got to do is say I.O.U. I.O.U. All I've got is an I.O.U. All I've got is an I.O.U. All I've got is an I.O.U.