National Payday Scholarship 2012 Official Entry SealBy: Matthew Ceriale

We’ve all heard it, at least once in our lives: whether it’s fresh in our minds or a distant memory. Being awake when we were thought to be asleep: we heard it, near their room when we were thought to be in the play room with our toys: we heard it. At a young age it simply scared us – it was loud, frightening, and we never quite understood it. However as we got older and matured we began to realize what it was; and yet it still scared us. Growing up I had different opinions about money. I used to hate how money seemed to be king in life; that it dictated what people could and couldn’t do. Then I felt money was corrupt, seeing those who worked for it as misdirected in life – I began to see myself as an individual who could succeed without money. However as I matured even farther I realized that money is a part of the society we live in.

Perhaps money isn’t needed to live a fulfilling life, but it does take money to live. Mortgage payments, electric bills, taxes, and groceries: the cost of living is rising almost every day, in every country. Walk down the street and offer a man one-million dollars and you’ll see him smile, scream and even dance. However, what happens if you offer one-hundred people $100,000.00, or one-thousand people $1000.00, or ten-thousand people $100.00, or even one-hundred thousand people just $10.00. For some it’s an overdue mortgage payment, college tuition, perhaps even a small vacation or a simple candy bar.
Just as an unanticipated cost can devastate someone, unanticipated financial help, no matter how small, can go a long way. Then again, it’s just not that simple.

Walk down Wall Street in New York City handing out ten dollar bills; how far will they go. Or perhaps handing out ten dollars to every man who walked in a soup kitchen; how about then. A dollar bill is valued to our country at exactly $1.00, and yet it has an unlimited number of values to society. In the hands of a business man it is pocket change, a child: savings, a homeless man: perhaps a meal. Value is in the eye of its beholder just as beauty is, and money is not an exception. Even those that are rich can be thrifty and those who are poor can be spendthrift. Regardless, money flows ; it never stops in one place and it will never be held by just one man.

Short-term financing of any kind is a benefit to any man and every man as well. Give a man one million dollars and throughout his lifetime he will surely have given ten-thousand people a $100.00: his mortgage payment, the electric bill, the new Jacuzzi he can now afford. Those bills support workers who support families who support commerce and in turn industry. Money will flow, there’s no doubt about it. At the end of the day there will always be those who have heard it, even if just once. Whether it’s fresh in our minds or a distant memory: The arguments – “How are we going to afford this?”, “Why am I paying every bill?” the yelling and fighting. It shouldn’t have to happen but it does; and worse does as well: foreclosures, homelessness, fighting. There will always be things to worry about, things will happen that are out of our control.

Short-term financing, regardless of who gets it or how much or how it flows or how many people it truly helps, it turns out being just another blessing. A glimmer of hope: a financial burden : like college books, taken off one’s shoulder. Another thing that we can stop and say: “I’ve got my health, my family, my home, and now this.” It’s not a solution to anyone’s problems but it is a start; a crutch to success. How can short-term financing of any kind benefit a person’s life? – It can be just another crutch.

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