Chapter 96 The Tragedy of Destined Destiny (14)
This huge debt was too large for a county family, and it happened just when Xu Qingshan came of age.
Money is a trivial matter, and the various derivative events brought about by this debt have brought even more serious trauma to Xu Qingshan.
Lin Yuehua has so much debt, Xu Qingshan is also quite helpless.
Because Xu Xuejun and Lin Yuehua have separate money.
Xu Xuejun, who was born in finance, loves to settle accounts and ignores household chores.
So according to Xu Xuejun’s idea.
Xu Xuejun is responsible for major items, such as the down payment for a house, buying a car, and Xu Qingshan’s tuition fees.
Lin Yuehua is responsible for the rest and jointly repays the mortgage.
But you don’t know that firewood, rice, oil and salt are expensive when you are not a family. Today, a teacher’s salary is one-fourth or five-fifths that of a local tax civil servant, and the salary gap between husband and wife is huge.
With a salary of just over a thousand a month, Lin Yuehua is responsible for all living expenses of the couple in Yunzhang, such as buying vegetables, water and electricity, various daily necessities, etc., and driving to Longjiang every month to visit his old mother and son.
Whatever needs Xu Qingshan had, such as improving his test scores, having a good meal, or buying a pair of shoes, they all came from Lin Yuehua's expense.
If you ask Xu Xuejun for money.
Xu Xuejun said: "Children need to wear something good and use something good. Isn't that what we did when we were young?"
Xu Xuejun's idea of being too carefree and Lin Yuehua's idea of being too loving created a great economic conflict.
In addition, when he was in junior high school, Xu Qingshan's grandmother Lin Mi was diagnosed with lymphoma. She had several surgeries in Longjiang and Rongcheng over the past few years, and needed long-term injections to relieve the condition. Although Xu Qingshan's eldest uncle and second uncle also had cancer. money.
But grandma is here to take care of Xu Qingshan, so Lin Yuehua naturally feels that she has greater responsibilities and needs to pay more.
Lin Yuehua naturally cannot afford all this with her meager salary. She will find ways to make more money after class, but the teacher does not have much time to spare, so she can only sell various product.
It sounds like it is a product agent, but in fact it is a traditional sales promotion of buying low and selling high. Lin Yuehua has sold sanitary napkins, shampoo, and shower gel as an agent.
People who specialize in purchase sales will suffer losses due to various problems. What's more, Lin Yuehua did it while squeezing time.
Within a few years, Lin Yuehua's small business suffered losses. He took out loans, borrowed money, held and closed bidding meetings as the head of meetings, and scraped together funds to make up for the losses.
She is very strong-willed by nature, and when the debt hole is not enough to support her, ordinary people will not tell her family, let alone her.
Destroying the east wall to pay for the west wall eventually turned into a huge debt of 1.67 million.
Xu Qingshan feels that it is difficult to say who is right and who is wrong.
Even emotionally, he has no position to blame Lin Yuehua, because he has been a vested interest in these 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 trying to solve such a complicated debt, involving multiple bank loans, credit cards from more than a dozen banks, as many as fifty or sixty members of the association, and several private loans, does not rely on passion and a head. It can be solved.
certainly.
Xu Qingshan is not without solutions.
The trigger for the collapse of this huge debt of 1.67 million was the 100,000 that my uncle Lin Chenhua borrowed from Liu Hai through a friend.
The level of huge profits from private lending is astonishing.
The principal of 100,000 yuan and the monthly interest of 10 cents are what is stated in the IOU.
In fact, the number of departures is nine out and thirteen returns.
The monthly interest of 1 jiao refers to the interest of 1 jiao per month, which means the monthly interest rate is 10%. For a principal of 100,000 yuan, the monthly interest is 10,000 yuan. Even if it is an IOU account, it is an absolute usury.
In addition, the principal of 100,000 needs to pay a 10% cut-off interest. Therefore, Lin Chenhua only really got 90,000 yuan. But he needs to return 130,000 yuan after three months. If it is overdue, a daily interest rate of 3 cents per day will be calculated.
Expiration will not be counted.
For the nine-out and thirteen-out gameplay, simply calculating, the annualized rate is at least 133%.
Borrowing one yuan at the beginning of the year and paying back two yuan at the end of the year is not enough.
In 2009, when online lending had not yet emerged.
Before society began to study economic issues extensively, such loan sharking could easily destroy many families in small places.
But unless you have read a book and understand economic accounting.
How many people can figure it out clearly when they first come into contact with such accounts?
My uncle Lin Chenhua came out. He had no unit or job outside, and it was very troublesome to find a job. He couldn't borrow a formal loan at all. He wanted to start a small business on his own, but he could only borrow money. In the end, he was led by a friend to borrow money. Such loan sharking.
Even now.
Xu Qingshan looked back and felt that he had been able to see the future trajectory of his life since he was born in this family.
It's like a destiny line running through the galaxy.
Tragedy is already in the destiny.
The end of the tragedy is that he cannot 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 chest up and straighten his waist.
But.
For the reborn Xu Qingshan.
He will be the scriptwriter of his own life, and his destiny will only appear in his hands.
Except for the account of my uncle Lin Chenhua.
If Xu Qingshan wants to completely solve Lin Yuehua's problem, he must first get 1.5 million.
With the money in hand, he could speak to Lin Yuehua and uncover the superficial tranquility that his mother had maintained for so long.
Maintain family harmony as much as possible and prevent grandma from worrying.
Thoughts passed for a long time.
"Shan'er? Shan'er? Xu Qingshan!"
Ye Xincheng patted Xu Qingshan's shoulder with considerable force, and suddenly pulled Xu Qingshan out of his deep thoughts.
Even if it is someone like Xu Qingshan.
When I recall my past life and those things, my eyes will always become dim, blank, and vacant.
"What's wrong?"
Xu Qingshan closed his eyes for a moment, then turned his head to look at Ye Xincheng who was approaching him.
"I'm just a little worried. It's been a day and the selection results haven't come out yet."
Ye Xincheng twisted tangledly, like an anxious maggot.
Xu Qingshan discovered that this kid had two pimples on his face.
"You didn't sleep last night? Was it because you were worried about the selection?"
"Yes! That's Peking University Chemistry!" Ye Xincheng said matter-of-factly.
"Who likes chemistry and doesn't want to go to Huaqing University and Beijing University? But compared to Huaqing University, I might want to go to Beijing University."
Ye Xincheng babbled.
When he gets anxious, he does this in front of people close to him.
"No, how do you know I didn't sleep last night?"
Ye Xincheng came closer to question Xu Qingshan.
"You won't install a surveillance camera next to my bed, will you?"
Xu Qingshan curled his lips.
He stretched out his finger and pointed at the corner of his mouth.
"Every time you stay up all night, you will definitely get acne at the corners of your mouth."
Ye Xincheng reached out and touched it, his face stiffened, it was true.
Seeing his expression suddenly drop, Xu Qingshan felt a little strange.
"Are you going to get a pimple? Why are you emoticon?"
Ye Xincheng cried sadly.
"What does emo mean?"
"Forget it, acne breakouts are a trivial matter. When I went to fetch water during class in the morning, I met Ye Qianqian from Class 1. I was embarrassed to say hello. I just thought my side face looked better, so I deliberately stood sideways and smiled politely with her. I laughed, but”
Ye Xincheng is autistic.
The sultry man from science and technology sheds his feathers for the first time.
Xu Qingshan smiled immorally.
Just
“Do you like that Ye Qianqian?”
Xu Qingshan lowered his voice and asked.
"Ah? I didn't, I'm not, how could I."
Ye Xincheng was stunned for a moment and denied Sanlian.
"Oh, that means you don't like it. If you don't like it, it's okay."
When Xu Qingshan saw his good brother's expression, he knew that this boy was somewhat tempted.
Good guy.
Xu Qingshan himself was not very clear about how his rebirth changes caused Ye Xincheng to slap Ye Qianqian when he flapped his wings.
Before 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, hey, it's just"
No matter how sullen Ye Xincheng was, he couldn't pretend to be so deliberately provoked by Xu Qingshan, so he could only admit it quietly.
"I do have a little fondness for it."
"Okay, I like it."
Xu Qingshan smiled and shook his head.
Ye Xincheng waited, while Xu Qingshan opened the book on the table and continued reading.
Ye Xincheng, who had been waiting for a long time for Xu Qingshan's next words, was a little confused.
"No, Shan'er, that's all the normal talk, shouldn't you give me guidance on how to get along with girls? Or"
"I will guide you and teach you how to fall in love? Be your love counselor?"
Xu Qingshan was flipping through a copy of "Cai Gen Tan" in his hand and answered Ye Xincheng casually.
"That's right! Love counselor, this word is so well used! Isn't it like this in all the TV series I watch? Even friends of the opposite sex will help guide you."
Although Ye Xincheng asked Xu Qingshan for help, he spoke confidently, and he dared to do this only if his relationship was good enough.
After Xu Qingshan listened, he shook his head, turned the book over and covered it on the table, and said to Ye Xincheng.
"You all know that it is a TV series. There is a difference between TV series and real life. Just watch Tokyo Love Story. TV series are all processed by the art of life. Feel it carefully. The person you meet will be better than Lixiang."
Xu Qingshan doesn't like to lead others.
"As for helping you, I'll give you a red line."
"As a good brother, what I have to do is to help you get to know people. As long as there are no problems with the other person's character and behavior, the rest of the relationship is between you. Whether you love him or not, only you can understand the feeling."
Xu Qingshan's words made Ye Xincheng fall into deep thought.
"What I can do is help you clarify your thoughts when you are confused, lend a helping hand to you when you are in trouble, and prepare various options for you when you have no head."
"But the final decision is always in your hands, do you understand?"
"Relationships driven by others will eventually break down because of others. I hope that a truly good relationship will be the motivation for your own breakthrough."
"Relationships happen naturally and naturally. It's something that every couple will experience in their own special way."
"If you like her enough and she does the same, then the most authentic relationship between you may be able to create more interesting and amazing sparks than artificial help."
After Xu Qingshan finished speaking, he patted Ye Xincheng on the shoulder.
He continued to pick 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 great weapon for scoring points in the Chinese composition section of high school.
He is a little famous, a little unpopular, and quite stylish.
In another ten years, it will probably be almost used.
Take advantage of it now!
I woke up late, but still updated 1.3w for the fourth time! Go ahead! The content of this chapter is relatively dry. It is necessary to clarify the background and goals of the second phase of the event as soon as possible.
As for the money issue, you don’t need to consider 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, including some figures.
Of course, I hope that everyone will not encounter all the bad things that Xu Qingshan encountered along the way, not even one of them.
Everyone should be well and safe.
But if you encounter it, you must firmly believe that there will be a tomorrow if you live, and don’t give up.
If I can get through mud, so can you.
May peace be with you.
(End of this chapter)