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Pay Day (board game)
Encyclopedia
Pay Day is a board game
originally made by Parker Brothers
(now a subsidiary of Hasbro
) in 1975. It was invented by Paul J. Gruen of West Newbury, Massachusetts
, USA, one of the era's top board game designers. It was Gruen's most successful game, outselling Monopoly
in its first production year.
This article is based on the 1975-era rules. For rules on the revised 1994-present Pay Day, try the following link.
s and junk mail).
Bills are due at the end of the month (unless cancelled by Insurance, see below), while collections (except for Lottery Tickets) are payable immediately. Postcards and junk mail are immediately discarded.
Three types of mail cards are "special" mail cards which have unique rules:
Lottery Ticket: If a player gets a lottery
ticket in the mail, that player can cash in the value of the ticket only if that player lands on the Lottery Draw space during the month they receive it in the mail. After the end of the month, if it is not redeemed, it becomes void and must be returned to the bottom of the Mail pile.
Swellfare: If a player's loan, plus loan interest due, plus bills are greater than their total amount of cash, they are in debt. That player may bet up to $100, then if that player rolls a 5 or a 6, they collect 10 times the amount bet; otherwise, the amount bet goes into the pot. Swellfare cards not used are immediately discarded.
Insurance: If a player receives a mailing for either auto insurance ("Carr Insurance Co.") or health insurance ("Aches & Pains Insurance Co."), the player may purchase insurance at their option. If purchased, the insurance is good for the entire game and will automatically cancel any related bills (including those already held by the player). Insurance cards not used are immediately discarded.
Savings: Players may start or add to their savings only on Pay Day. Players may withdraw all or part of their savings only on Pay Day (if the player wishes to withdraw at another time, they must pay a $50 fee). A player receives 10% interest on the balance in his/her savings account every time he lands on Pay Day. For easy calculation of interest on savings or loans refer to the Interest Table.
Loans: A loan may be taken out or increased at any time in $100 increments. A player must pay 20% interest on his/her outstanding loan balance every time they land on Pay Day. Loans may only be paid off on Pay Day.
Board game
A board game is a game which involves counters or pieces being moved on a pre-marked surface or "board", according to a set of rules. Games may be based on pure strategy, chance or a mixture of the two, and usually have a goal which a player aims to achieve...
originally made by Parker Brothers
Parker Brothers
Parker Brothers is a toy and game manufacturer and brand. Since 1883, the company has published more than 1,800 games; among their best known products are Monopoly, Cluedo , Sorry, Risk, Trivial Pursuit, Ouija, Aggravation, and Probe...
(now a subsidiary of Hasbro
Hasbro
Hasbro is a multinational toy and boardgame company from the United States of America. It is one of the largest toy makers in the world. The corporate headquarters is located in Pawtucket, Rhode Island, United States...
) in 1975. It was invented by Paul J. Gruen of West Newbury, Massachusetts
Massachusetts
The Commonwealth of Massachusetts is a state in the New England region of the northeastern United States of America. It is bordered by Rhode Island and Connecticut to the south, New York to the west, and Vermont and New Hampshire to the north; at its east lies the Atlantic Ocean. As of the 2010...
, USA, one of the era's top board game designers. It was Gruen's most successful game, outselling Monopoly
Monopoly (game)
Marvin Gardens, the leading yellow property on the board shown, is actually a misspelling of the original location name, Marven Gardens. The misspelling was said to be introduced by Charles Todd and passed on when his home-made Monopoly board was copied by Charles Darrow and thence to Parker...
in its first production year.
This article is based on the 1975-era rules. For rules on the revised 1994-present Pay Day, try the following link.
Objective
The objective of the game is to have the most money at the end of the game. The length of the game is predetermined by the players. The game board is in the form of a calendar month, with each day (space) having a different event resulting when a player lands on that space. A typical game is three or six months (although any number can be played).Equipment
The game is played with game board, one die, six playing pieces, play money (denominations of $5, $10, $20, $50, $100, $500), 16 "Deal" cards, 79 "Mail" cards, and a "Savings and Loan Calculator" (older versions have a "Savings and Loan" pad plus a table to calculate savings interest at 10% or loan interest at 20%).Play
Each player starts with $325 (or one $100 bill, two $50's, three $20's, four $10's, and five $5's). One player is selected to go first. Players roll the die and advances their playing piece from 1 to 6 spaces as indicated on the die. The player follows the instructions shown on the calendar space on the game board. There are 31 days in a Pay Day month.Deal and Mail cards
If a player lands on either a "Deal" or "Mail" space, they will then select the appropriate card from the top of the specified deck.Deal Cards
The player has the option of purchasing the "Deal" for the cost indicated immediately or returning the card to the bottom of the deck. (One may take out a loan to pay for the deal.) The "Deal" is held until that player lands on a "Buyer" space at any time during the duration of the game. A "Deal" card has no value if it remains unsold at the end of the game. Whenever a "Deal" is purchased, all players have an opportunity to win the "Commission" indicated on the "Deal" card. Each player in turn rolls the die, with the highest roller collecting the "Commission" from the bank.Mail Cards
Mail cards have varying content, just like real mail. Some mail cards are bills, some are fortuitous collections, and some are just entertaining (postcardPostcard
A postcard or post card is a rectangular piece of thick paper or thin cardboard intended for writing and mailing without an envelope....
s and junk mail).
Bills are due at the end of the month (unless cancelled by Insurance, see below), while collections (except for Lottery Tickets) are payable immediately. Postcards and junk mail are immediately discarded.
Three types of mail cards are "special" mail cards which have unique rules:
Lottery Ticket: If a player gets a lottery
Lottery
A lottery is a form of gambling which involves the drawing of lots for a prize.Lottery is outlawed by some governments, while others endorse it to the extent of organizing a national or state lottery. It is common to find some degree of regulation of lottery by governments...
ticket in the mail, that player can cash in the value of the ticket only if that player lands on the Lottery Draw space during the month they receive it in the mail. After the end of the month, if it is not redeemed, it becomes void and must be returned to the bottom of the Mail pile.
Swellfare: If a player's loan, plus loan interest due, plus bills are greater than their total amount of cash, they are in debt. That player may bet up to $100, then if that player rolls a 5 or a 6, they collect 10 times the amount bet; otherwise, the amount bet goes into the pot. Swellfare cards not used are immediately discarded.
Insurance: If a player receives a mailing for either auto insurance ("Carr Insurance Co.") or health insurance ("Aches & Pains Insurance Co."), the player may purchase insurance at their option. If purchased, the insurance is good for the entire game and will automatically cancel any related bills (including those already held by the player). Insurance cards not used are immediately discarded.
Daylight Savings
Each player in turn, starting with the player who landed there, moves their token back one space and follows the instructions as in a regular turn. If a player's game piece is on the "Start" space when another player lands on "Daylight Savings", they simply collect another $325 and leave the game piece on "Start." The "Daylight Savings" process takes place only once on any turn and should not be repeated if a player lands there as a result of another player having landed there first.Town election
All players must contribute to the town election. If a player does not have the cash, they must withdraw from their savings, or take out or increase a loan. The next player to roll a 6 during the course of the game wins the Pot (including any "Swellfare" money that may already be in there).Poker game
Each player has the option of placing $100 on the board. All poker game participants roll the die. The highest roller collects all of the money.Savings and loans
A player may have either a savings account or a loan, but never both at the same time.Savings: Players may start or add to their savings only on Pay Day. Players may withdraw all or part of their savings only on Pay Day (if the player wishes to withdraw at another time, they must pay a $50 fee). A player receives 10% interest on the balance in his/her savings account every time he lands on Pay Day. For easy calculation of interest on savings or loans refer to the Interest Table.
Loans: A loan may be taken out or increased at any time in $100 increments. A player must pay 20% interest on his/her outstanding loan balance every time they land on Pay Day. Loans may only be paid off on Pay Day.
Sweet Sunday
As the name indicates, Sweet Sunday spaces have neither an award nor a penalty, just a space to "rest".Pay Day
Stop here, regardless of additional counts on the die. When you reach "Pay Day," go through the following steps in this order:- Collect monthly wages of $325.00.
- Collect 10% interest on any savings account, or pay 20% interest due on any outstanding loan.
- Pay all bills received during the month and place them in the discarded mail stack. If a player does not have enough cash, they must withdraw money from their savings account. If one does not have a savings account, then that player must take out or increase a loan. The banker must show these changes in that player's section of the savings and loan calculator.
- OPTIONAL: A player may pay off all or any part of their loan, remove money from their savings without paying a fine, or add to their savings account. Any such transaction can only be in $100 increments.
- Discard any unused Lottery Tickets. At the end of the month of play you must also discard all "Deal" cards.
- Have the banker note what month that player is starting. Place their game piece on the "Start" space unless they have finished their last month of play. If continuing, they will start off again on their next turn.
Winning
The player who finishes the game with the most money (cash plus savings or cash minus loans) is the winner. If all players are "in the negative" (all have loans exceeding their cash), then whoever is the least "in the negative" wins.External links
- Pay Day - Anniversary Edition - fan site.