At A Check-Cashing Place, On A Dreary Day

At A Check-Cashing Place, On A Dreary Day

by Robin Shwedo

©Robin Shwedo, 2014



Grey, dreary day, first week in January,

I stand, waiting for a pay-day loan.

Ten more minutes, and I can get it.

Rules say that one must wait 24 hours from paying off the last one

before getting another loan.

A radio plays in the background, offering adult-alt-soft rock and occasional chatter.

Paul Simon is singing Graceland,

Ladysmith Black Mambazo laying down the background rhythm.

“I'm going to Graceland, Graceland, in Memphis, Tennessee,”* he sings.

An old woman,

crippled up from life,

eases into the place, shuffles up to the teller window.

The man with her – son, perhaps? neighbor? – sits down on the cheap office chair to wait.

“I need to borrow $400,” the old woman states in a flat, raspy whisper,

as though saying it much louder and with any kind of intonation

would give the statement a life of its own,

thus making it more than she can bear.

Several more people wander in,

needing money,

needing more until their next pay day.

Graceland ends and the Eagles follow up.

I turn and lean against the window where the teller,

who is helping the old woman,

will help me in – now – five minutes.

I stare out the bank of windows taking up one wall

and part of another.

It is dreary, dark, and will probably rain sometime this afternoon.

If it were up north – New England, say, or mid-west –

snow would be imminent.

The teller glances at me.

“One more minute,” he says in his thick Brooklyn accent.

His voice stands out in the Florida winter,

telling of snow days and shoveling snow

neither of us no longer need to do.



There was a time when I thought that all of this was gone,

when I would never have to come in here again.

Money was there in what seemed to be abundance.

And the it wasn't.



“Okay, you're up,” Brooklyn tells me

as the old woman shuffles off.



*©1986 Words and Music by Paul Simon



There are places where money is tight and pay-day advance businesses and pawn shops abound. Good? Bad? Depends on who you ask. This poem simply tells of one person getting a loan. It is part of a book titled Working Class Poems which will soon be looking for a publisher.

This was first posted on October 20, 2016.