Just turned over a new leaf and became a wise and intelligent student

Chapter 96: Tragedy of Destiny (14)

This huge debt was too large for a county family, and it happened when Xu Qingshan became an adult.

Money is a small matter. The various derivative events brought about by this debt have caused more serious trauma to Xu Qingshan.

Lin Yuehua had so much debt that Xu Qingshan felt helpless.

Because Xu Xuejun and Lin Yuehua’s money is separate.

Xu Xuejun graduated from a finance college. He loves to count accounts and doesn't care about housework or household affairs.

So according to Xu Xuejun's idea.

Xu Xuejun was responsible for major items, such as the down payment for the house, the car, Xu Qingshan’s tuition, etc.

Lin Yuehua is responsible for the rest and they pay the mortgage together.

Only those who run a household know how expensive food and daily necessities are. Nowadays, teachers' salaries are one-fourth or one-fifth of those of local tax payers and civil servants, and there is a huge gap in salaries between husband and wife.

Lin Yuehua earns a little over a thousand yuan a month, but she has to cover all the living expenses for the couple in Yunzhang, including groceries, water, electricity, daily necessities, etc. She also has to drive to Longjiang every month to visit her elderly mother and son.

Whenever Xu Qingshan needed anything, such as improved test scores, wanting to have a good meal, or buying a pair of shoes, Lin Yuehua would pay for it.

If you ask Xu Xuejun for money.

Xu Xuejun said: "Why do children need to wear or use good things? We also went through the same thing when we were little."

Xu Xuejun's overly rough-raising ideas and Lin Yuehua's over-loving attitude led to a huge conflict in economics.

In addition, when Xu Qingshan was in junior high school, his grandmother Lin Mi was diagnosed with lymphoma. She underwent several operations in Longjiang and Rongcheng over the years, and still needed long-term injections to alleviate her condition, although Xu Qingshan's uncles also contributed money.

But grandma came to take care of Xu Qingshan, so Lin Yuehua naturally felt that she had a greater responsibility and needed to pay more money.

It was impossible for Lin Yuehua to afford all this with just that meager salary. She would try to find ways to make more money after class, but teachers did not have much time to spare, so she could only sell various products.

To put it nicely, she is a product agent, but in fact it is just traditional product promotion by buying low and selling high. Lin Yuehua has been an agent for sanitary napkins, shampoo, and shower gel.

People who specialize in purchasing and selling goods will suffer losses due to various problems, let alone Lin Yuehua who squeezes time to do it.

Within a few years, Lin Yuehua's small business began to suffer losses. She had to take out loans, borrow money, and act as a head of a group to raise funds to fill the hole.

She is a strong-willed person. Normal people would not tell their families until the debt hole reaches the point where they can no longer support themselves, let alone her.

The debt eventually accumulated to a huge amount of 167 million.

Xu Qingshan felt it was difficult to say who was right or wrong.

Even emotionally, he had no position to blame Lin Yuehua because he was a vested interest over the years.

Whether it was his grandmother taking care of him or the encouragement and support he received from his mother, he felt that he had an obligation to share the responsibility.

Just want to solve such a complicated debt, involving loans from multiple banks, credit cards from more than a dozen banks, as many as fifty or sixty members of a lottery club, and several private loans, it is not something that can be solved with just passion and a head.

of course.

Xu Qingshan also had a solution.

The collapse of this huge debt of 167 million was triggered by the 10 yuan that my uncle Lin Chenhua borrowed from Liu Hai through a friend.

The level of profits from private lending is staggering.

The content of the IOU is 10 yuan in principal and 1 cent in monthly interest.

In reality, nine out of 13 are returned.

A monthly interest rate of 1 cent means 1 cent is paid on 1 yuan per month, which is equivalent to a monthly interest rate of 1%. For a principal of 10 yuan, the interest for one month is 10 yuan. Even if it is an IOU, it is absolutely usury.

In addition, the principal of 10 yuan needs to pay a 10% interest. Therefore, Lin Chenhua actually only got 13 yuan. But he needs to return 3 yuan in three months. If he is overdue, he will be calculated at a daily interest rate of %.

Overdue will not be counted.

Based on the nine out and thirteen returns gameplay, simply put, the annualized rate is at least 133%.

If you borrow one dollar at the beginning of the year and pay back two dollars at the end of the year, it will not be enough.

In 2009, when online lending had not yet become popular.

When society had not yet begun to study economic issues extensively, such usury could easily cause many families to be ruined in small places.

But unless you are educated and understand economic accounts.

How many people can understand such accounts clearly when they first come into contact with them?

My uncle Lin Chenhua came out of prison. He had no unit or job outside and it was very difficult for him to find a job. He couldn't get a formal loan at all. He wanted to start a small business, but he could only borrow money. Finally, he was led by a friend to borrow such a loan shark.

Even now.

Looking back, Xu Qingshan also felt that since he was born into this family, he had been able to see the future trajectory of his life.

It's like a trajectory of destiny that runs through the galaxy.

Tragedy is inevitable in fate.

The tragedy ends with him being unable to distinguish between good and evil.

It seems that any 18-year-old boy facing such a start in life would find it difficult to hold his head high and straighten his back.

but.
For the reborn Xu Qingshan.

He will be the screenwriter of his own life, and the trajectory of his destiny will only be in his hands.

Except for the account owed to my uncle Lin Chenhua.

If Xu Qingshan wants to completely solve Lin Yuehua’s problem, he must first get 150 million.

Only after getting the money could he talk to Lin Yuehua and uncover the superficial tranquility that his mother had maintained for so long.

Maintain family harmony to the greatest extent possible and don't let grandma worry.

I thought about it for a long time.

"Shan'er? Shan'er? Xu Qingshan!"

Ye Xincheng slapped Xu Qingshan on the shoulder with great force, pulling him out of his deep thoughts.

Even though it's someone like Xu Qingshan.

When I think back to my past life and recall those events, my eyes always become dull, lifeless, and blank.

"what happened?"

Xu Qingshan closed his eyes and relaxed for a moment, then turned his head to look at Ye Xincheng who was next to him.

"I am a little worried. It has been a day and the selection results are still not out."

Ye Xincheng twisted in agony, like an anxious maggot.

Xu Qingshan discovered that the boy had two pimples on his face.

"You didn't sleep last night? Because you were worried about the selection?"

"Yes! That's Peking University's Chemistry!" Ye Xincheng said as a matter of course.

"Who who likes chemistry doesn't want to go to Huaqing or Peking University? But compared to Huaqing, I might want to go to Peking University more."

Ye Xincheng kept chattering.

When he gets anxious, he behaves like this in front of people he is close to.

"That's not right, how do you know I didn't sleep last night?"

Ye Xincheng moved closer and questioned Xu Qingshan.

"You're not going to install surveillance cameras next to my bed, are you?"

Xu Qingshan curled his lips.

He pointed a finger at the corner of his mouth.

"Every time you stay up all night, you'll get acne at the corners of your mouth."

Ye Xincheng reached out and touched it, his face froze. It was true.

Seeing his face suddenly fall, Xu Qingshan felt a little strange.

"It's just a pimple. Why is it emo?"

Ye Xincheng had a sad face.

“What does emo mean?”

"Forget it, acne is a small matter. When I went to get water during the morning break, I met Ye Qianqian from Class 1. I was too embarrassed to say hello, but I just thought my profile looked better, so I deliberately stood sideways and smiled at her politely, but..."

Ye Xincheng became autistic.

The introverted science and engineering guy's first peacock spread its feathers and started to lose feathers.

Xu Qingshan smiled immorally.

just
"Do you like that Ye Qianqian?"

Xu Qingshan lowered his voice and asked.

"Ah? I didn't, I wasn't, how could I?"

Ye Xincheng was stunned for a moment and denied it three times in a row.

"Oh, then you don't like it. If you don't like it, it's no big deal."

When Xu Qingshan saw his good brother's expression, he knew that the boy was somewhat moved.

Good guy.

Xu Qingshan himself was not very clear about how his rebirth changed when he flapped his wings and slapped Ye Xincheng towards Ye Qianqian.

Before my rebirth, I never heard Ye Xincheng say that he liked Ye Qianqian.

Could it be because of his relationship with Jiang Huanxi?

"It's not that I don't like it, hiss, it's just..."

No matter how repressed Ye Xincheng was, he could no longer pretend after being deliberately provoked by Xu Qingshan, and could only quietly admit it.

“I do have a little fondness for it.”

"Okay, good impression."

Xu Qingshan smiled and shook his head.

Ye Xincheng waited, while Xu Qingshan opened the book on the table and continued reading.

Ye Xincheng was a little confused after waiting for a long time without hearing Xu Qingshan's next words.

"No, Shan'er, now that we've talked about normal things, shouldn't you teach me how to get along with girls? Or..."

"I will help you find love and teach you how to fall in love. I will be your love counselor."

Xu Qingshan was flipping through a copy of "Cai Gen Tan" in his hand and answered Ye Xincheng casually.

"Yes! Love strategist, this term is really well used! Isn't it always like this in TV dramas? Even friends of the opposite sex will help with guidance."

Although Ye Xincheng asked Xu Qingshan for help, he spoke with confidence and it seemed that they had a good relationship so he dared to do so.

After listening to this, Xu Qingshan shook his head, turned the book over and covered it on the table, then said to Ye Xincheng.

"You all know that it's a TV show. There are differences between TV shows and real life. Just watch Tokyo Love Story. TV shows are all processed from the art of life. Feel it well, and the people you meet will be better than Rika."

Xu Qingshan doesn't like to be a matchmaker for others.

"As for helping you, I'll help you with the red thread."

"As a good brother, what I have to do is to help you identify people. As long as the other person's character and behavior are not a problem, the rest of the relationship is between you two. Whether you love him or not, only you know the feeling."

Xu Qingshan’s words made Ye Xincheng fall into deep thought.

"What I can do is to help you sort out your thoughts when you are confused, lend you a hand when you are in trouble, and prepare various options for you when you are at a loss."

"But the final decision is always in your hands, do you understand?"

"A relationship driven by others will eventually break down because of others. I hope that a truly good relationship is one in which you have the motivation to break through."

"Relationships develop naturally and are a special way that every couple experiences."

"If you like her enough and she likes you too, then the most genuine feelings between you two may create sparks that are more interesting and amazing than artificial help."

After Xu Qingshan finished speaking, he patted Ye Xincheng on the shoulder.

He picked up his copy of "Cai Gen Tan" from the desk and continued reading.

I have to say that the book "Cai Gen Tan" is a killer for scoring points in the Chinese composition section in high school.

It is well-known, slightly unpopular, and quite classy.

In another ten years, it will probably be almost completely used up.

Use it now!
I got up late, but I still updated 1.3 chapters with posts! Let's go! The content of this chapter is relatively dry, so I will clarify the background and goals of the second stage as soon as possible.

As for the issue of money, you don’t have to worry about whether it is true or false. Some events in this book have been questioned, but many things in this book are actually my personal experiences, even including some numbers.

Of course, I hope that everyone will never encounter all the bad things that Xu Qingshan encountered along the way, not even a single one.

I hope everyone will be well and safe.

But if you encounter it, you must firmly believe that there is still a tomorrow and don’t give up.

Even if I can get through the mud, then you can too.

Wish you peace.


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(End of this chapter)