117: Xu Yao pays back the money, but the creditor doesn’t want it!
On a sunny winter afternoon, Xu Yao invited all her creditors to meet at a teahouse.
Boss Wang was the first to arrive, and then all the creditors arrived one after another.
Xu Yao lifted the box she brought onto the table with great effort, opened the big suitcase, and found it was full of cash.
Xu Yao first bowed to all the creditors, including Boss Wang. "Thank you all, uncles, aunts, for your trust, and thank you for your tolerance and generosity. You believed I would repay the money, and you were willing to sign a new IOU with a penniless young girl like me. Now that it's the end of the year, I want to report on last year's work. I resigned from the advertising company I worked for and devoted myself to running my own social media accounts. I opened my own studio, and luckily caught a wave of traffic and made some money... I deducted the operating costs of the studio for the next few months, and the remaining available working capital will be used to repay everyone."
Xu Yao placed a full three million in cash on the table.
This is what she earned in a few months.
It’s no wonder that so many people want to be internet celebrities. Internet celebrities with traffic do make money quickly!
If Xu Yao had not rejected many money-making opportunities for the sake of long-term development, the amount on the table now would not just be 3 million, but could be 6 million, or even 9 million - of course, in addition to earning a lot, Xu Yao is also very good at saving money.
She didn't buy any luxuries.
I didn't buy any jewelry for myself.
The biggest personal expense this year was buying a second-hand nanny car worth more than 100,000 yuan.
Xu Yao usually sells all the gift packages given by brands online. She is probably the most stingy internet celebrity on the entire Internet!
Boss Wang and the others remained silent. Xu Yao thought they thought 3 million was too little. She felt a little embarrassed: "I know this amount of money is nothing compared to the total debt I owe to all of you. I will work harder next year--"
Boss Wang interrupted Xu Yao and asked, "How do you want to divide this 3 million yuan? According to the proportion of debts owed to each of us?"
Xu Yao nodded, "Uncle Wang, I do think so."
Xu Yao has nine creditors in total. She owes the most money to Boss Wang, and the least to a female boss named Yu Qin.
According to the debt ratio, Boss Wang can get more than 700,000 yuan, while Yu Qin can only get more than 100,000 yuan.
Before Boss Wang could say anything, Yu Qin sneered, "It's the end of the year and everyone's busy. You gathered us all together with all the fanfare just to give me back a hundred thousand? Tell me, what can I do with a hundred thousand? I have to pay my people too!"
Yu Qin, a divorced woman in her late 50s, started her business selling dried fruits at a wholesale market, haggling with buyers for mere cents. She valued money so much that upon hearing her son was working for her, she only offered him 5,000 yuan a month, angering him enough to go around badmouthing her. Yet, despite being so stingy, Yu Qin had generously loaned Xu Qinghua most of her savings. Many people assumed she was infatuated with Xu Qinghua, blinded by his affections. However, Xu Yao knew otherwise.
Yu Qin was abused by her husband and could no longer survive in her hometown. One dark and windy night, she ran away from home with her son and fled to the south city.
At first, I helped people in the wholesale market, and later I saved some capital and opened a small stall.
The original boss felt that Yu Qin had taken his business and wanted to shut down her stall. Lin Meixian accidentally heard about Yu Qin's experience and sympathized with her, so she asked Xu Qinghua to help Yu Qin and the original boss mediate the conflict.
Furthermore, Lin Meixian also ordered from Yu Qin's stall, handing over the dried fruit gift boxes she gave to clients and employees each year. With Lin Meixian's help, Yu Qin's business grew. This woman was stingy and forgiving, even her own son wouldn't dare ask her for much money. Yet, Yu Qin lent Xu Qinghua most of her savings after he asked... Unexpectedly, Xu Qinghua went bankrupt and disappeared, leaving Yu Qin unable to recover her money and missing out on numerous investment opportunities over the past two years.
Xu Yao remembers that during Chinese New Year and other holidays, Yu Qin would always bring home the finest gift boxes of dried fruits, and would also bring Xu Yao dolls, dresses, and high-end chocolates from Hong Kong. Yu Qin would be reluctant to buy those fine things for her own son, but she was very willing to buy them for Xu Yao.
Now, Yu Qin doesn’t even call Lin Meixian during the Chinese New Year.
Xu Qinghua lost most of Yu Qin's savings, and the Xu family turned from benefactors into enemies!
At this moment, Yu Qin's face was full of mockery.
In front of Xu Yao, she was no longer the amiable Aunt Yu, but a victim who was badly deceived by Xu Qinghua.
Being accused by Yu Qin, Xu Yao felt nothing but guilt. "I'm sorry, Aunt Yu. I will definitely pay you back more money next year. My account is doing well now, and I will definitely be able to pay you back more than 3 million next year!"
Yu Qin didn't appreciate it and snorted coldly, "Even if you can come up with 6 million next year, I can only get 300,000. Compared to the money I lent your family, it's nothing! I don't even know how much interest I'd get if I lent it to someone else. Even if I put it in the bank for a year, I'd still get more than 300,000 in interest!"
Xu Yao was scolded so badly by Yu Qin that she couldn't even raise her head.
But Xu Yao didn't bear any grudge against Yu Qin at all.
It is only natural to pay back debts. She cannot repay all debts in the short term, so it is normal for the creditor to vent his emotions in front of her!
Xu Yao lowered her attitude and said, "Aunt Yu, please give me a few more years——"
Yu Qin was angry. "I've already given you a few years, but you're so slow to pay me back. I might not even be alive in a few years when you've made enough money!"
Yu Qin pulled out her phone and opened the news about Tangtang signing with Shengshi Media and receiving tens of millions in signing fees. She then questioned Xu Yao, "Aren't you two good friends? They can easily make tens of millions, but why are you only making a few million a year?"
Xu Yao, feeling both amused and embarrassed, patiently explained to Yu Qin the difference between herself and Tangtang, and why she didn't follow Tangtang's lead and sign with an MCN company. With Xu Yao's current fame, she could certainly earn a signing fee, even if not as high as Tangtang's, it would still be in the eight figures. However, this signing fee would come with a modest share of the revenue, as she wasn't yet a top influencer and didn't have the confidence to negotiate with MCN companies.
MCN companies are not doing charity. They spent money to sign Xu Yao and to build momentum for Xu Yao, all in order to make more money from Xu Yao.
So Xu Yao's income is temporarily higher after signing with the company, but the money she will earn in the future may not be as much as if she works alone.
Faced with Yu Qin's aggressiveness, Xu Yao told her about her future plans. Her attention was all on Yu Qin, and she didn't notice that Boss Wang and other creditors were listening very carefully.
After Xu Yao finished speaking, Boss Wang suddenly laughed. "Your idea is great, but you're going to use all your earnings to pay off your debts. How are you going to develop your studio? It's really too late to earn enough to pay off your debts with your small studio with only one assistant. How about this? Don't return the 3 million to us yet. We'll pay you a little more to make up the total 20 million. You use this 20 million to package yourself and develop your studio. By this time next year, I hope you'll have ten or twenty times more money to pay off your debts!"
Not allowing Xu Yao to pay back the money, but instead lending her another 17 million?
Xu Yao was stunned.
She looked at everyone's expressions with surprise. The words came from Boss Wang, and the other creditors did not object. They all looked calm as if they had discussed it beforehand.
Yu Qin, who had been so aggressive just now, also sat down again and muttered quietly, "I really owe Xu that much." Turning to Boss Wang, she asked, "She's borrowing new debts before the old ones are paid off. If she can't pay it back, I'll find you, Wang Kui!"
Boss Wang didn't even frown.
Yu Qin was just complaining casually and would not really ask Boss Wang for the debt.
These nine creditors had already discussed it before coming. Two or three of them hesitated not because they doubted Xu Yao's character, but because they were worried about her ability.
When Xu Yao explained her career plan to Yu Qin, two or three hesitant creditors also dispelled their doubts.
Xu Yao went from being surprised to suddenly realizing what was going on, and then her eyes turned red.
——This is not only a debt of money, but also a heavy debt of favors!
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