A leisurely life that begins with the possession of a game character

Zhang Lan was a little surprised to see Tang Jiajia nod her head and asked, "How much money do you still have on you now?"

"There are more than 5000." Tang Jiajia replied.

"The salary was paid before you came back at the end of the year?"

Seeing Tang Jiajia nodding, Zhang Lan gave her a thumbs up: "This is a good job. Remember, when you can't afford it, the first thing you do is to keep the money you live in. You It’s money you owe, not your life, the most important thing is to take care of yourself first.”

Looking at the numbers written on the paper, Zhang Lan said: "It's okay. The highest principal is not less than [-]. At most, it is a civil dispute. Don't worry too much."

Taking out her mobile phone and calling up the calculator, Zhang Lan did the math and said: "The total of the credit card plus your loan is more than 24, let's calculate it as 25."

After tallying up the numbers, Zhang Lan tore the paper off the notepad and continued: "Now if you turn on your mobile phone, you can count the online loans that you can remember. Can you remember which platform you borrowed from? "

Tang Jiajia nodded and shook her head and said: "They are all borrowed from the platform. I have forgotten which ones."

Looking at the names of the platforms and the amount of money mentioned by Tang Jiajia, Zhang Lan couldn't help rubbing his eyebrows and said, "You didn't just start this year, right? When did this start?"

"I started applying for credit cards when I was in college. It was very easy to apply for credit cards at that time, and then slowly I applied for more and more, demolishing one thing to make up for the other..." Tang Jiajia explained, her voice getting lower and lower as she spoke.

Zhang Lan nodded, waved his hand and said, "Okay, I understand."

I took out my calculator and added it up. The number was a little less than before, about 15.There are mainly four large platforms, and the amount of each company is also different, with the largest being more than 3.

"This is almost 40. Jiajia, did you calculate the total when you borrowed the money?" Zhang Lan asked casually.

Before Tang Jiajia could answer, if she had known better, Tang Jiajia wouldn't owe so much.

Zhang Lan thought for a while and asked: "Besides these, do you owe any money to anyone, such as your classmates, or borrow money from others privately?"

It's okay for those who signed the contract. If there is a direct contact with private individuals, this is the kind that should be paid back in time.

Zhang Lan thought for a while, and then continued before Tang Jiajia could speak: "You have to think clearly about this. The amount on the paper seems to be very large, and there are many pens. But you have chosen to be forced to go ashore. In addition to the phone call in a short time, Other than that, there's nothing to worry about. But it's different if you owe it to someone personal."

He said it a little euphemistically, but he couldn't say it otherwise. Zhang Lan felt that if Tang Jiajia really owed personal money, she should be able to understand what he meant.

Looking at the foreign debt of nearly 40 yuan added up on these two pieces of paper, Zhang Lan was speechless.When I saw her in Kyoto before, Zhang Lan thought she was pretty good. She looked quite fashionable and cheerful.

Thinking about it now, Tang Jiajia couldn't pass the postgraduate entrance examination and had to work part-time instead of going to school even though she had a teacher's certificate, which meant that she was about to collapse.

After listening to Zhang Lan's words, Tang Jiajia shook her head and said: "I don't owe my classmates any money. I borrowed it before, but I will pay back everything I need to pay back later."

Tang Jiajia's words of repayment made Zhang Lan sigh inwardly.After thinking for a while, he said: "Let's do this. Don't worry about the online loans. Now we mainly talk about the more than 20 in credit cards."

Zhang Lan took the paper with the credit card debt written on it, and originally planned to tell Tang Jiajia to pay that one first and then the other.

But then I thought about it, it was all overdue and the best thing to do in the short term was not to repay it all and just keep the money in my hands.After depositing enough money in a bank, I start calling the bank. Whichever bank has the lowest interest or waives interest will pay back the money.

So after sorting out the debt, what Tang Jiajia needs now is not advice on which bank to repay the money to, but another job that can pay her a stable salary so that she can go to work with peace of mind.

Putting the paper aside, Zhang Lan said, "You have just come back in the twelfth lunar month. Have you quit your job in Kyoto?"

Tang Jiajia said in a low voice: "The collector called the company after the payment was overdue. I had no choice but to resign and come back."

"Do you have any income this month when you come back?" Zhang Lan asked.

Tang Jiajia shook her head, Zhang Lan sighed, and put the two torn pieces of paper in front of Tang Jiajia: "Take it and take a look at it yourself. Use your phone to make a memo. Don't talk about repaying it yet. Find it after the year. Have you gone to work somewhere?”

Tang Jiajia was silent. Zhang Lan tapped her fingers on the armrest of the sofa. Seeing that Tang Jiajia remained silent, she shook her head and sighed: "If you can't find a job, follow me to Kyoto after the year and work as a receptionist at my place. I have a place to live on the second floor of my clinic. I can work hard for two years and pay off my credit card debt first."

Tang Jiajia nodded, and Zhang Lan continued: "I'll explain it to your mother when I go back later. Forget it, I'll go back with you. You can't talk about this on the street. You're not too young now. It’s time to get married.”

After saying that, Zhang Lan stood up from the sofa and said: "Do you think my arrangement is successful? If it is successful, let's go home now. If it is not successful, you can tell me your plan."

After a pause, Tang Jiajia didn't say anything. Zhang Lan shook her head and said, "Okay, let's go back first. If you have anything to say, wait till you get home."

Qin Yongjun didn't drive when he went out, but took Shen Huayu's car.Zhang Lan took the car key and asked Tang Jiajia to ride the electric scooter into the yard. She waited at the gate to get on the car. Zhang Lan told her mother to go to Wang Lan's house and drove out.

On the roadside, after Tang Jiajia got in the car, Zhang Lan started the car and asked casually as he walked: "Is your dad at home today?"

"I'm at home. I went to water the fields in the morning." Tang Jiajia replied.

Zhang Lan took out her cell phone, found Wang Lan's number and called her: "Sister, are you at home now?"

"You're at home, what's wrong Zhang Lan?"

"My brother-in-law is at home now, right? I'll drive there with Jiajia later. I have something to tell you." Zhang Lan said.

"Guoxing is also at home. I just had dinner and will rest in bed for a while. I will go to the fields to water the fields later. Are you coming over now?" Wang Lan asked.

"Yes, I have already driven out of the village and onto the road right now. I will be at your house in 10 minutes. Let's talk about it when I get there."

"Zhong, I'll get up now and open the street door." Wang Lan said quickly.

After hanging up the phone, Zhang Lan and Tang Jiajia said: "Don't be too nervous. It's not a big deal. Wait until you have something to say and go through it in your mind. The thing has already happened. What we want is to learn a lesson and never do it again. You Mom and Dad just say a few words, we are all a family."

Zhang Lan gave Tang Jiajia a heads-up in advance about the 40 yuan in arrears. I wonder how Wang Lan and his wife would react when they find out about it. It is only proper to let Tang Jiajia prepare first. (End of chapter)