history: I'm afraid I won't be able to afford my car payment this month.  Might have to borrow money. I'm afraid I won't be able to afford my car payment this month. Oh no! Can you do some gig economy work online to try to make enough?
current: That's what I'm trying to do, I might have to take out a payday loan which I don't want to do!
next: Woah that's awful, those things are such a rip off!