Plan B includes a Payday Loan. My Plan A was my apartment in the center of the city close to the art gallery and concert hall and across from the park. I could clearly imagine my walks in the park, chatting up the ladies, sitting on a bench in the sunshine with a fat cigar and a newspaper. Then it was coffee and cream at that little French coffee shop with the butter croissants and the flirty waitresses. Wow, I had a life of boredom all planned out.

The economy affects all of us

There is a change in the economic situation. Things slide and it affects me as well as so many others. I was, let’s say, pretty well-off to start with and now I am a little less well-off. I feel it’s time for me to cut back a little and move to a lesser lifestyle.

Time to switch to Plan B

Plan B is really just as comfortable, but much more modest. The income from the investments I had made through my 50 year working life has dropped from $200 to $80 thousand a year. I admit that’s still plenty to live, but less than I was used to. I pat myself on the back for the wisdom and good foresight I had all these years.

So I forego one or two pleasures and more or less carry on the same path. The days are long. I take a nap after lunch. I play bridge with friends and I spend a lot of time in the art gallery and in the park. The economic situation continues to drift.

Man’s creativity in changing times

I begin to hear about all sorts of new things and new ideas which have evolved to help those in these times of need. I hear about something called a Payday Loan, a short term loan available against the security of one’s salary and it makes good sense. I marvel at man’s creativity and flexibility in changing times.

Uh-Oh

One morning I awake to gray skies, thunder and bad news. Overnight everything has gone belly up. My bank has collapsed into the mud and the French waitresses disappeared in the direction of the first ship back to Paris. My Plan A is now a misty memory and I can no longer make out the details. I think I’m still sitting on a bench in the park, but there is no cigar, the newspaper is keeping me warm and my fancy clothes are all tattered. Yeah, and I need a shave real bad. Croissant? What’s that?

In search of Plan C

I have no experience with any plans beyond B and I am struggling to find a Plan C that will see me through these troubled times. There is also one major drawback – I am 75 year old. I went to two job interviews last week, both of which never took place because the interviewer couldn’t speak after he took one look at me. I decided not to try that again and I bought a computer and lugged it home. I am always reading about these ‘work at home’ programs.

It took me 2 hours and 10 calls to the computer shop to get the thing switched on. I am totally lost in front of it.

I found Plan D

Plan D was relatively easy. I applied for Payday Loan based on my monthly dividend check and I’m back in the park with the newspaper and a cigar.