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Is there a way to have Lightroom and pay only when I use it ? In fact I would use it just a few times a year but I don't want to pay for all those months without using it.
Not that I know of for either LR Classic or the newer Lightroom Cloud.
AFAIK neither is available on a Month to Month basis. Yearly subscriptions only with Auto Renewals.
Would Photoshop Elements (one payment) work for you?
Here Elements http://www.adobe.com/products/elements-family.html
To find a forum for that program please start at https://community.adobe.com/ and ask other users
As far as I know, you have to subscribe to it irrespective of whether you use it or not.
You could try a one-time purchase if any product similar to Lightroom is available.