Walmart offers the Schwinn Boys' 24" Byway Mountain Bike in White for $119 with free shipping. That's $41 off and the lowest price we could find, although we saw it for $9 less last June. It features 21 speeds with a Shimano rear derailleur, quick release seat post, and linear pull brakes.
Are you in denial about how much credit card debt you have? Here's how to tell if you have a problem.