I’m not a payday lender. But I play one on TV.

Recently a friend contacted me in a panic. She needed $586 immediately or her vehicle would be repossessed.

When I called, she also noted that she needed something to get her family through until payday. Could I loan her as much as $800?

I hesitated for a moment. Then I stopped what I was doing, moved some money from one account to the other and got myself over to Western Union (which thoughtfully tacked on a $44 wire fee).

Before you call me a sucker, hear me out. Then call me a sucker.

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Guillain-Barre syndrome: The anniversary.

Recently my daughter noticed she was having trouble swallowing. This perplexed her until she realized what day it was: Jan. 21, the anniversary of the day she wound up in the ICU back in 1998.

What put her there was Guillain-Barre syndrome, an auto-immune disease that attacks the peripheral nervous system and, in Abby’s case, paralyzed her right up to her eyeballs and nearly killed her.

 

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Do you scrape burned toast?

While making breakfast I scorched the toast. Automatically I scraped off the Cajun part before smearing  on some butter and homemade jam. Then I started to wonder: How many people would have just thrown it in the trash and started over?

I grew up scraping toast. My family would have considered it wasteful to toss charred chow, given how simple it is to fix.

Recently a thread started up on Not MSN Money, a community formed by so-called “refugees” from MSN Money’s now-defunct message boards. The thread, “What do you do with the heels from bread?,” asked readers whether they use them or toss them.

Guess what the answers were.

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Rollover mopes.

thRecently a reader (and friend) commented on the “2011, in one word” post. Vicky noted that she allows “five minutes a day to mope or feel sorry for myself.”

I like the idea of slotting a five-minute mope in the day minder. Remember Holly Hunter’s short, stupendous bout of hysterics in “Broadcast News”? I aspire to that sort of efficient catharsis.

But I’d also like the option of setting aside the unused minutes, for those times when I need a longer session of self-pity. Thus I suggest a new personal indulgence: Rollover mopes.

Moping, within reason, can be as useful as optimism. Focusing on what’s right with your life is a terrific way to keep problems in perspective. But focusing only on what’s right with your life means ignoring what might be wrong with it.

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Tuesday tidbits: Back home again edition.

Neurotic Workaholic is the winner of the six different kinds of Godiva chocolate. Congratulations, and  I hope you can power down long enough to enjoy the sweets.

The rest of you take heart: Another Godiva giveaway is in the offing. Not right away, but soon.

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Blog roundup: Heaving alabaster bosoms edition.

Let’s make this clear: I don’t read romance novels. But a woman I know does. No. Seriously! It’s not me!

Check out her post, “What you should be reading for Christmas,” either as an occasion for hilarity or a chance to make a reading list. Romances aren’t my cup of (overly sweetened) tea, but they might be yours.

And yeah, Christmas has come and gone – but Valentine’s Day awaits.

Julia over at Bargain Babe is giving away 11 prizes, including a $250 Macy’s gift card, to celebrate the site’s second anniversary. Click here to learn more and to enter. Do it quickly, since the deadline for the Macy’s card is 11:59 p.m. Monday.

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Winners: The giveaway and the carnivals.

Practical Parsimony was the winner of this week’s giveaway, a $20 Amazon.com certificate. I’m sure her grandson will be relieved, because Practical P. plans to spend the scrip on an iTunes card for her grandson, to “accompany the boring bathrobe I am giving him.” Happy birthday, grandson — dodged a bullet there. In other news: … Read more