Analysing the affective geographies of digitally mediated payday loans in the UK, this paper advocates and exemplifies an approach to cultural economy that focuses on how economic worlds are affectively animated and lived. Supplementing the two versions of ‘culture’ that cultural economy approaches have to date been organised around – culture as signifying system, or culture as assembled effect ‐ we propose a cultural economy of everyday space‐times which is attuned to the affective composition of forms of living. Drawing on empirical work with forty users of digitally mediated payday loans, we employ this approach to trace how their loans become part of three intersecting forms of living: relief, as a pressing concern is deferred to the immediate future; separation, as private spaces are created within ordinary life and obligations are felt as individual responsibilities; and pressure, as demands to pay intensify the sense that debt is spiralling out of control and already ongoing precarity cannot be sustained. In conclusion, we pose further questions for a cultural economy approach orientated to the analysis of forms of living.

中文翻译：

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情感生活和文化经济：英国的发薪日贷款和信用债务的日常时空

本文分析了英国数字中介发薪日贷款的情感地理分布，倡导并举例说明了一种文化经济方法，该方法侧重于经济世界如何在情感上活跃和生活。补充了迄今为止文化经济方法所围绕的“文化”的两个版本——文化作为表示系统，或文化作为组合效果——我们提出了一种日常时空的文化经济，它与各种形式的情感构成相协调。活的。通过对 40 位数字中介发薪日贷款用户的实证研究，我们采用这种方法来追踪他们的贷款如何成为三种相互交叉的生活形式的一部分：救济，因为紧迫的问题被推迟到不久的将来；分离，因为私人空间是在日常生活中创造的，义务被视为个人责任；和压力，随着付款要求加剧，债务正在失控，已经持续的不稳定局面无法持续。总之，我们对以分析生活方式为导向的文化经济方法提出了进一步的问题。