It is difficult to track or even imagine all the ways in which a cycle of steady, progressive depletion of funds shaped Americans’ experiences of labor and leisure in towns and cities at the moment when this cycle first took root. The reverberations were undoubtedly broad. For starters, the combination of weekly reckonings and diminishing resources could be felt in the workplace. It may well have induced workers to accept more overtime work (when the choice was theirs) later in the week, which might have contributed to the weekly rise in textile output after Thursday. Labor records from a Massachusetts mill in the early 1850s show a decided spike in overtime pay at the end of a week, and especially on Saturdays. But the weekly pay system had an even greater impact beyond the walls of the workshop and the factory, in the proliferating commercial venues where wage earners spent their money. Pay weeks, rent weeks, and the different Sabbath observances of Christians and Jews all shaped the urban lending industry and in turn structured the microfinances of ordinary life. Although interest rates were calculated by the month, borrowers had to repay the full interest on a loan even when they redeemed pledges after a week, as they often did. More generally, the rhythms of the pawning week, in tandem with the pay period on which it depended, became a feature of the urban timescape, determining when working people had money to spend and when they could gain access to their valued possessions. Like taverns and boardinghouses, pawnshops registered this calendar with special sensitivity, but the pay week shaped more than just business cycles; it shaped urban experience.

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