Just after 17:00, Zhou Chuhan picked up his shoulder bag and walked out of the company gate. This is the good thing about state-owned enterprises: no overtime, and you can leave on time.
While walking on the road, my cell phone suddenly rang.
Zhou Chuhan took it out and answered, "Hello?"
"Chu Han, it's me." A familiar voice came from the other end of the phone.
"cousin?"
"Yes." There was an obvious pause on the other end of the phone, and then he asked uncomfortably, "Do you have any savings? Can you lend me some money?"
"How much do you want?" Zhou Chuhan asked.
"Twenty thousand is not too little, and fifty thousand is not too much. It depends on what's convenient for you," the other party said.
Zhou Chuhan thought for a moment before saying, "My money is all with my mother. Go back and check the amount first, and then give me an answer."
"Okay." After saying that, the other party simply hung up the phone.
"You're going bankrupt." A strange female voice sounded faintly.
Zhou Chuhan, "?"
She subconsciously looked in the direction where the sound came from.
The backpack's zipper was not zipped up properly, leaving a gap. At this moment, a man in a suit poked his head out of the backpack and looked straight at her.
Zhou Chuhan was so frightened that he almost threw his shoulder bag away.
"It's already bound and cannot be unbound. Please stay calm, host." The little man opened and closed his mouth, "My name is Yun Luo. I appeared in front of the host to help the host overcome difficulties."
Zhou Chuhan found a secluded corner to stand in, making sure that no one was around, and then whispered, "My financial situation is fine!"
"I save 70% of my monthly income and never spend it all. Not only do I work in a state-owned enterprise, but I also take on translation jobs as a side job after I get home."
"Bankruptcy? What a joke!"
"The host had better confirm whether his deposits are safe." Before he finished speaking, the man in the suit disappeared.
The next second, a voice sounded directly in my mind, "When you need help, you can call my name in your heart."
Zhou Chuhan: "I think you've got the wrong person. I don't need help."
Then she zipped up her backpack and left without looking back.
**
During dinner, Zhou Chuhan thought of the little man who appeared and disappeared inexplicably, and felt a little uneasy. She asked casually, "Mom, how much savings do I have now?"
"I've been graduating for two years, so I've saved about 60,000 or 70,000 yuan." Zhou's mother asked, "What's wrong?"
Zhou Chuhan certainly wouldn't say that she had encountered a supernatural event. She did not hesitate to bring up her cousin to take the blame, "Cousin Yuchen wanted to borrow money from me."
"Ignore him." Zhou's mother said without hesitation, "He said he was borrowing money, but he was actually trying to learn how to do business. His parents refused to support him, but he actually lent it to you. I'll have to talk to him some other day."
"Doing business? What kind of business?" Zhou Chuhan was curious. She was busy with work and part-time jobs, so she didn't often contact her cousins.
"What else? Food business." Speaking of Qian Yuchen, Zhou's mother shook her head and sighed, "This child has been restless since he was young. He didn't study hard and went straight to a technical school to learn cooking after graduating from junior high school."
"After finishing technical school, I worked here for two years, there for two years, without any stability. Now it's better, but I want to learn from others to start a business and become a boss. Is business so easy? Don't you see how many people have lost their capital?"
"If it were you, I would say he should find a job in a restaurant, get a fixed salary every month, and the boss would also give him a deposit. He could save money for two years, and then he would have a wife. Then he could live a stable life. But he wouldn't listen to my advice and he always couldn't sit still."
Zhou Chuhan thought for a moment and asked, "Is he a good cook? If he has the skills, it's not impossible for him to go out and work on his own."
Zhou's mother sneered, "What can you expect from someone who doesn't even want to go to high school?"
"You can't say that." Zhou Chuhan said seriously, "Not being good at studying doesn't mean he can't do other things well. I don't like math, but I still do well in other subjects."
"If he wants to make a living, let him go. He should raise the start-up capital himself. Just don't bother with him," said Zhou's mother.
Zhou Chuhan said nothing.
She suddenly remembered that she had eaten food cooked by her cousin before.
Once during the Chinese New Year, I went to visit my aunt's house. She and her parents came to visit, and when they were leaving, they were stuffed with a porcelain bowl of braised pork with wine lees.
The meat is fat and lean, with a reddish color and is very tasty.
She ate two large bowls of rice with the meat and wanted to ask her aunt where the meat was bought. Later she heard that her cousin cooked it himself.
Hearing that she liked it, my cousin was so happy that he sent her braised pork with fermented lees every other day. But later, when he saw that she was tired of it, he stopped eating it.
Zhou Chuhan felt that she should support her cousin's entrepreneurship just because she had eaten the braised pork with fermented lees over the years. However, she couldn't say this openly, as her mother would definitely not agree.
After a brief thought, she came up with an idea. "Mom, when I just graduated, you said you were afraid that I would spend lavishly and not be able to save money, so you handed over the money every month and helped me keep it. Now I am older and it is time for me to be independent. Please return the savings to me. I can manage it myself."
Zhou Chuhan thought so. After getting the money, he would first lend 20,000 to his cousin. The rest would be used for bank financial products and money market funds. In short, he couldn't spend it recklessly.
As soon as the words were spoken, the atmosphere at the dinner table immediately became awkward.
Father Zhou didn't even raise his head, just ate rice. Mother Zhou's throat tightened and she looked a little nervous.
Zhou Chuhan noticed something was wrong and asked in confusion, "What's wrong?"
Zhou's mother: "You kid! Don't you feel relieved to leave your money with me? Why do you have to work so hard on your own? Don't you feel tired?"
"I was relieved at first, but seeing you like this, I suddenly became worried." Zhou Chuhan put down his chopsticks, frowned and asked, "Why do you seem to have something wrong at home, and you hide it from me?"
"Everything is fine at home, what could have happened? This kid is just talking nonsense." Mother Zhou's eyes flickered.
Zhou Chuhan: "Since everything is fine, return my savings to me."
Zhou's mother stammered and was unable to speak.
Zhou's father couldn't stand it anymore and told the truth, "Not long ago, my family bought a new house. I wanted to apply for a provident fund loan, but they didn't approve the second house. Commercial loans are available, but the interest rate is high."
"Your mother felt bad about the interest, so she said she would borrow your savings. Anyway, you haven't had much to spend money on in the past few years."
"The higher the down payment ratio, the less money you borrow and the lower the interest. After a few years, we will save up and return the deposit to you with interest, not a penny less."
"So now this money... has been used to pay the down payment."
Zhou Chuhan believed that his parents would fill the hole. One of them was a senior teacher, and the other was an employee of a public institution, and their incomes were not low.
only……
"If I don't ask, the money will be misappropriated and I, as the owner, will have no idea." Zhou Chuhan looked at his mother, extremely disappointed, "Mom, you are stealing from the company."
"We are a family, there is no stealing!" Zhou's mother tried to cover up.
Zhou Chuhan looked serious, "What did you say when I gave you my savings? You were afraid that I would spend all my salary lavishly, so you kept it for me?"
"Since when have custodians been able to dispose of depositors' funds at will? If you encounter such a thing in a bank, you must call the police!"
"If you ask me in person, as a member of the family, I am willing to donate it for free. If you don't ask and secretly take it and use it, it's not okay."
"Hey, kid! After raising you to this age, you actually turned against your parents for a few tens of thousands of dollars. Who taught you that?" Zhou's mother was furious.
"My dad." Zhou Chuhan answered without hesitation, "My dad taught me since I was a child that we should know right from wrong. Right is right, and wrong is wrong."
"Whether you are my mother or a stranger, if you do something wrong, it is wrong."
Zhou's mother slammed her chopsticks on the table, very angry.
Zhou Chuhan ignored her, "Dad, please tell me something fair."
Zhou's father sighed and said to Zhou's mother, "I told you not to do these things. Money is a small matter. Setting a bad example and teaching your children bad things is a big deal."
Then he turned to look at Zhou Chuhan, "Don't worry, I'll go apply for a business loan tomorrow. I'll borrow more money and return the savings to you then."
"You two are trying to piss me off to death!" Mother Zhou couldn't eat and left the table angrily.
Zhou Chuhan got her savings back and was in a good mood. She said with a smile, "She knew she had made a mistake and was willing to go on a hunger strike to reflect on it. She is worthy of being my mother. She is very conscious."
Zhou's mother overheard this and felt secretly resentful. It is said that a daughter is a mother's warm and caring little cotton-padded jacket, but this one in her family was clearly here to collect a debt!
"She knows she's wrong, so you should say less." Father Zhou was stuck in the middle and had no choice but to try to reconcile them.
Zhou Chuhan snorted, "I gave my savings to her for safekeeping because I trusted her. To embezzle it without saying a word is clearly a betrayal!"
Zhou's father tried to persuade him but to no avail, so he just gave up.
**
After dinner, Zhou Chuhan returned to the room and tried to call out, "Yunluo, are you there?"
Yun Luo appeared, "The first lesson in financial management is to keep all your personal assets by yourself, don't put your hopes on others."
"Who would have thought that I couldn't even trust my own parents?" Zhou Chuhan was in a low mood.
Glancing at Yun Luo, she quickly calmed down and said in a relaxed tone, "But this doesn't seem to be considered bankruptcy in the general sense?"
Yun Luo replied, "The scope of the system is quite broad."
After saying that, the person and the system looked at each other "affectionately". Suddenly, the room was silent.
Zhou Chuhan coughed lightly and shifted his gaze, "This is just an emergency. I don't think I need the system. I suggest you find someone who is in urgent need of help and go to another host instead."
Yun Luo, "It's already bound and can't be unbound."
Zhou Chuhan, "..."
Is this relying on her?
"But it's useless for you to follow me." Zhou Chuhan said helplessly, "I have a stable job and a high income. I am a long way from bankruptcy."
Yun Luo: "If you make good use of the system, the host will live a better life."
Zhou Chuhan was curious, "What do you suggest?"
Yun Luo: "Given the host's current situation, you can have a good talk with Qian Yuchen. If your cooking skills are poor and your business project is unreliable, you can borrow money; if your cooking skills are good and your business project has development prospects, you can invest."
Zhou Chuhan was slightly stunned. "You mean investing money and working with him?"
Yun Luo: "The annual interest rate for borrowing money ranges from 3% to 10%. Once the business is successful, the rate of return can be 300% to 1000%, or even higher."
"But starting a business involves the risk of losing capital," said Zhou Chuhan.
"This requires the host to make a choice." Yun Luo said, "The greater the profit, the higher the risk."
Zhou Chuhan fell into deep thought.
She had to admit that she was tempted, for no other reason than she had confidence in her cousin's cooking skills.
Nowadays, good taste is king. For the sake of delicious food, foodies will go all out, even if it means crossing mountains and rivers.
The author has something to say:
Featured Reviews
#After reading the annual Alipay bill, I realized how rich I am QAQ#
#System Check Me#
#I always buy a lot of unnecessary things, and start to regret it when I receive them...Maybe it's just for a moment of happiness#
**
[It is true that parents say they help save money, but they secretly spend it.]
[Some parents help their children save money, and they pay out of their own pockets to subsidize their children.]
Continue read on readnovelmtl.com
