Payday, the Falcon, and Usury

An early 60s Falcon, factory racks, custom tires (pretty sure)

This is another outtake from “Swamis.” If writing is trying to put the puzzle pieces together, this was written to support something later in the manuscript and taken out because I figured out another way to get the information on the page.

I will reveal where the idea that a small, independent grocery store would have tabs for customers. It is based on The Village Store in Quilcene, Washington, known at the time when Trish and I moved here, late fall, 1978, as “Mary’s” Village Store. Mary and her husband, nicknamed Pard, offered credit based on a quick conversation. “We’ll set you up with a tab.” Nearly everyone in town had a tab. Mary also offered a sort of ‘payday loan,’ with, like ten percent interest, as in, if you borrow a hundred bucks on Tuesday, you pay a hundred and ten on Friday. Good money.

Because you had a tab, you had some obligation to buy locally, as in not going to a supermarket in Port Townsend or elsewhere for groceries. And Mary kept tabs, so to speak, on those who had tabs. Her standard greeting was, “What do you know?” She was persistent and serious in this. She wanted to know.

We, of course, had a tab. Trish worked at the store for (I’d have to ask her) some amount of time. I painted the store to pay off the tab. I wasn’t happy with having one.

Still, it worked well for Mary and Pard. They had stacks of thin pieces of cardboard, tabs, in order, alphabetically. If Mary was at the counter, she would survey the card. Her expression would reveal whether or not you should put this purchase on the tab or give some explanation on when you might pay the amount owed down.

When Mary and Pard attempted to sell the Village Store, local gossip/legend has it, they had to eat a lot of the debt accumulated over the years. There have been several owners since. I have no idea whether the current owners take this kind of casual credit. My guess is… no. I haven’t asked.

Okay, here’s the outtake:

                                SIDESLIPPING- OUTTAKES FROM “SWAMIS”

I loved the Falcon. My first car.

No, it wasn’t a gift. I was making payments, money withheld from paychecks at the job my father set me up with. “Responsibility has to be learned,” my father said each time he picked up his half, straight from the middle register at the San Elijo Grocery. It was a sort of ritual, every other Saturday night, my father taking cash from the hands of his old Marine Corps buddy. “We all have to learn how to work hard. Huh, Tony?”

Tony, Mr. Tony to me, would look at the cash, look at me, and smile. “Right, Gunny.”

With my first payday, December 28, 1968, Tony gave me my half, which, at a dollar fifty an hour, for sixteen hours on weekends, plus a few more days during Christmas vacation, paid for the gas to get to Cardiff from Fallbrook, and not much more. He winked and said, “It’s Kind of like…” Mr. Tony nodded and smiled, the nod with a certain and meaningful rhythm, a bit of a jaw thrust included in the motion. There was a bit of a twist of the lips in Tony’s smile. Suggestive.

My father gave Tony a look I was very familiar with. Disapproving. Disappointed.

“Sorry, Gunny.”

“It’s all right.” Tony seemed relieved when my father laughed and pushed me away. “Real world, huh?” Tony nodded.  “The boy keeping his tab clear?”

“Chocolate milk and those little donuts are all he’d put on a tab, Gunny.” My father looked at Tony with another expression I was familiar with, the just-try-lying-to-me look. “No tab for Jody, Gunner, no little loan ‘til payday with exorbitant interest.”

                “Usury, it’s called, Tony.”

                “Yeah. Jesus doesn’t like it.”

                “But you do.”

                “Brings in customers. Kind of makes up for the folks who skip out.”             

“And you and Mrs. Tony love having people… owe you.”

“We do.”

I loved my job; bagging, stocking shelves, sweeping up; I described myself as a nub at a family grocery store with a view of Cardiff Reef.

I already said this, but I loved the Falcon. This was the family wagon in which my mother, and then I learned to drive. Three on the tree. Pop the clutch. Stall. Try again. My father, frustrated enough teaching my mother, gave her the task of teaching me when I was fifteen and a half. Exactly. She was so much calmer than he had been. I knew, even as my father turned the Falcon over to me, that I would be expected to teach my brother, Freddy. I didn’t plan on being calm. I didn’t plan on being around. I had other plans.

As always, thanks for reading. All “Swamis” outtakes are protected under copyright, as is all original writing and original illustrations contained in realsurfers. Almost all the photos are borrowed.

Good luck and good surfing.

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out /  Change )

Twitter picture

You are commenting using your Twitter account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )

Connecting to %s

This site uses Akismet to reduce spam. Learn how your comment data is processed.