I Broke My New Year's Resolution Version A

   I made a resolution to improve my finances.  You see, I tend to make
mistakes that do not help my finances.  First of all, I do not balance my
checkbook.  Once I make a deposit, I glance at the receipt, and that's all
I do.

   Second, I tend to put almost everything on my credit card.  That has
worked well in the past, but I have only paid the minimum payment, and now
I am near my credit limit.

   Also, I like buying the new gadgets all of the time.  It makes me feel
good to have all of the newest and greatest stuff.  This way I can be very
proud and show my new gadgets to my friends.

   I do have a good job I like doing, but I tend to live from paycheck to
paycheck.  So with the New Year coming up, I have just found out my credit
cards are maxed out, and I have very little in the bank.  My resolution is
to balance my checkbook and to pay down my credit cards.

   Everything worked well until the third week in January when a new model
of a phone came out.  I went to the cellphone store to buy it, and I got a
surprise.  When I went to pay for it, all three of my credit cards were
declined.  Next I tried to pay for it with a check, and my check didn't go
thru.  The store also had a payment plan, and I filled out an instant
application.  To my surprise, that was declined too.  I guess with my
credit cards maxed out, they made my credit rating very low.

   Then what did me in, was the next day, I got a notice in the mail from
my bank, saying I was overdrawn.  Now I was desperate.  What was I going to
do?

   So I called a helpline center, and talked to them about what I could do.
Since I had no money and I needed a lot of help, they recommended I talk to
a special type of financial planner and bankruptcy attorney.  They gave me
her phone number and told me I should make an appointment as soon as
possible.

   When I called her, she had a very soothing calm voice and she told me
that she could still work with me, although I had no money.  The first
appointment would be in two parts.  First part, a full evaluation and
accountability of my situation, and the second part would be a partial
resolution of the problem.  So I needed to bring in all of my credit card
statements, bank statements, plus a projected spending and savings plan.

   The first appointment would last about two hours, and then I needed to
make a weekly follow-up appointment that would last about one hour.  Since
I had little or no money, she would expect me to sign papers stating that I
would strictly follow her instructions on how to solve my money problems.
All of this sounded very good, so I made an appointment with her.  I made
the appointment for 7 PM, the next evening.

   When I arrived at her office, there was a receptionist who I signed in
with.  See took all of the information that I brought with me and also gave
me some papers to fill out and sign.  They needed the usual information
that included my name, address, etc.

   Then there was paper that I found unusual to sign.  It stated that I
would follow all orders given to me by counselor, or I would be kicked out
of the program.  It also stated that I would show up on time for my
follow-up appointments, and I would strictly follow what I was told to do
by my counselor.

   I wasn't sure about signing it, and I asked the receptionist about it.
"If you don't sign it before you see her, you will not be helped by her. 
So I suggest you sign it," the receptionist said.

   So I reluctantly signed it and gave all of the papers to the
receptionist.  She carried the papers into the office of the counselor and
closed the door.  In a few minutes, a smartly dressed young woman came out
of her office.

   "You must be Jim.  Glad to meet you.  My name is Mary," she said.

   "I am glad to meet you too.  I hope you can help me."

   "Come into my office with me." Then Mary told the receptionist, "Jim is
my last appointment so you can go home now.  Be sure and lock the door."

   Mary's office looked like any other office with a large wooden desk,
with a computer, and many papers on it.  There also was a door marked
"Resolution Room", which I wondered about.

   The first thing Mary did was to ask for my credit cards and my ATM card,
and she cut them up.  "You won't be needing these anymore.  Now let's go
over your financial situation."

   After reviewing my budget, my expenses, and my income; Mary decided my
best way to handle this would be with a bankruptcy.  I would need to live
on a cash and/or money order basis for the next two to three months.  I
agreed and then signed some more papers to start the bankruptcy procedures.

   Then Mary said, "Now is the time we need to work on the resolution part
of your financial problem.  Until you have enough money to pay me for my
work, and until this problem is resolved by the bankruptcy court, I want
you to report here every week to update me on your financial progress and I
will administer some corrective measures to make sure you stay on track."

   "What do you mean by corrective measures?" I asked.

   "It involves being scolded and spanked to various degrees.  You have
already signed the papers agreeing to this punishment," Mary said.

   "I didn't realize that," I quickly answered.

   "Either you accept your weekly punishment or you owe me five hundred
dollars right now and more later, or I will file charges and you will go to
jail.  It is your choice."

   " I guess I did sign the papers and I have no money to pay you.  So what
happens next?" I asked.

   "You will follow me into the resolution room where your spankings will
take place.  I expect you to follow all of my commands and orders, without
question.  And from now on, refer to me as `Mistress Mary' or just
`Mistress'.  Also answer me with only `Yes Mistress' or `No Mistress'.  Is
that understood?"

   "Yes, Mistress," I said.

   "Good, you obey very well."

   We entered the room and I was shocked at what I saw.  There were various
paddles and spanking implements hanging on the walls.  In the middle of the
room there was an old-fashioned wooden chair with no arms.  There were also
other types of wooden furniture that I had never seen before.

   Mistress Mary sat on the wooden chair and said, "I will start you out
with a hand spanking.  Take off all of your clothes, except for your
underwear, and neatly fold them and put them in the corner.  Then come and
stand directly in front of me, with your hands on your head."

   I felt embarrassing taking my clothes off in front of a woman I had just
met.  As I stood there in front of her, I was surprised again when I felt
her fingertips in the waistband of my undershorts.

   "Stand still.  A spanking is most effective given on the bare skin."
Once my undershorts were at my ankles she said, "You're a naughty boy, you
have an erection.  Now step out of your undershorts and then bend over my
lap so I can spank you."

   I couldn't believe what was happening to me, but I obeyed her and lay
over her lap.  My erect penis was now located between her thighs.  Now I
was acutely aware of her perfume and body heat.  As she grabbed my waist
and guided my body closer to hers she said, "When you are spanked by me,
always keep your legs parted, no matter what position you are in."

   "Yes Mistress."

   Then she began spanking me.  Although she was just using her hand, it
really stung my bare bottom.  Also, since my legs were apart, her fingers
wrapped around the tender insides of my upper thighs, and those spanks I
could really feel.  Although the spanking stung my bare bottom, I felt a
nice warm feeling in my lower body.

   After awhile, Mistress Mary said, "Now stand up and follow me to your
next part of your spanking." She led me over to a piece of furniture that
looked like a padded sawhorse in the middle.  On the sides, there was wood
to put your knees and arms on.  "I expect you to climb upon or bend over
any piece of furniture I direct you to.  I will only use restraints if I
have to.  So get yourself over this with an arm and leg on each side."

   "Yes, Mistress."

   This kept my poor bottom raised up high and my legs spread apart.  Now I
felt very exposed and vulnerable with my penis and balls dangling between
my parted knees.  Next, Mistress Mary showed me a wooden paddle like what
is used in Ping-Pong, and she started spanking me with it.  This stung my
bottom a lot more than her hand.

   "Now I will want to see you every week to make sure you stay on track
with your money problems.  After a short review, you will be spanked," she
said.

   Mistress Mary then showed me a riding crop.  "With this, I can make sure
I haven't missed any spots."

   The riding crop was able to spank my upper inner thighs and even between
my butt cheeks, also my exposed penis and balls.  Lucky for me, she didn't
use the crop on me for very long.

   "Now stand up and walk over here.  Do not rub your bottom, until I tell
you to."

   She led me over to two old wooden school desks.  They were the old type
that slanted down.  She had me stand near the front of a desk, and bend
over it so my head was on the chair next to it, and my hand grabbed both
sides of the chair.

   Then she showed me an old long wooden paddle with holes in it.  I used
to see paddles like this hand from my teacher's desk when I went to school.
"This should bring back memories," she said.  "I am only going to give you
six swats with this paddle.  So don't move about and keep those legs
spread." This paddle hurt the worst, so far, on my now tender, well-spanked
bottom.

   After those six swats, she showed me a cane.  "For these, I want you to
count them out loud, and then say `Thank you, Mistress'.  Do you
understand?"

   "Yes, Mistress." I reluctantly said.

   I heard the whooshing of the cane, then the cane whistled, and SWAT!  It
felt like a hundred bees stung me in a straight line.  I stood up and
clenched my poor bottom.

   "You forgot to count and you stood up, so that will not count.  So bend
over again."

   "Yes, Mistress.  Sorry, Mistress," I said.

   Whistle, Swat!  "One.  Thank you, Mistress."

   "Good.  You are learning to follow my orders," She said.

   Whistle, Swat!  "Two.  Thank you, Mistress."

   "Only one more, if you stay bent over and count.

   Whistle, Swat!

   It felt like a hot straight rod on my poor bottom.  "Three.  Thank you,
Mistress."

   "Now you can stand up and rub your bottom.  I will expect to see you
next week, to see how you are progressing.  Nice to meet you and you can
get dressed now and leave my office."

   "Thank you, Mistress.  I will want to resolve my money issues as soon as
possible so I don't have to see you every week.  Thank you for your help,"
I said.  
