'My thoughts are incoherent'...not only your thoughts oO Especially the third stanza was quite incoherent, because the reader doesn't know the background with your 'groceries' (um...but who knows what you do with your groceries...). That's the same with the 'loan'. The whole poem sounds like an everyday conversation. It doesn't sound poetic; you could at least have described it poetically. The very last line doesn't fit to the rest of the poem, it sounds so tragic.