NCCnovel Chapter 42: Paying off the debt and successfully getting out of debt.
Chapter 42: Paying off the debt and successfully getting out of debt.
In the early morning, the sunlight, like a gentle hand, softly passed through the window and caressed Yuan Baoya's face, waking her from her sweet dreams.
Yuan Baoya slowly woke up, stretched, and her joints made a series of soft "crackling" sounds, as if playing the prelude to a new day.
She slowly sat up, ready to face this seemingly ordinary day that was full of surprises.
In the morning, Yuan Bao tidied up the new house and took the opportunity to see if there was anything he needed to buy.
The phone's ringtone abruptly broke the silence. Her heart tightened, and a complex mix of emotions welled up inside her. She reached for the phone and saw that the screen displayed the number of the online lending company. After hesitating for a moment, she pressed the answer button.
"Hello, is this Ms. Yuan Baoya?" A slightly official voice came from the other end of the phone, with a hint of formulaic politeness in its tone.
"Yes, that's me. And who are you?" Yuan Bao asked cautiously, his voice tinged with wariness.
"Hello, Ms. Yuan Baoya, we are staff members of the online lending company. Regarding your previous debt to our company, after internal reassessment and negotiation, and given your consistently positive repayment attitude, we have decided to offer you a certain fee reduction policy." The other party spoke slowly and deliberately, each word clearly reaching Yuan Baoya's ears, yet it felt somewhat unreal to her.
Upon hearing this, Yuan Bao's eyes widened instantly, and her heart pounded as if struck by an electric current. She could hardly believe her ears.
"Are you... are you telling the truth? How much of a discount?" Yuan Bao's voice trembled slightly with excitement, and his hand gripping the phone tightened unconsciously, his knuckles turning white.
"After calculation, the loan you previously owed, including interest and penalties, amounted to 51 yuan. Now you only need to repay 45 yuan to settle all your debts." The other party gave a clear answer, their tone calm and even.
Upon hearing this, Yuan Bao's eyes widened instantly, her heart pounded, and she pinched her arm hard, wondering if she was dreaming.
"You...you're telling the truth?" Yuan Bao's voice trembled slightly with excitement, and her eyes involuntarily welled up with tears.
"It's absolutely true, ma'am. This is the company's final decision, and you can proceed with the repayment as soon as possible," the other party confirmed.
After hanging up the phone, Yuan Bao took a deep breath, trying to calm the turbulent emotions surging within her. She quickly opened her mobile banking app, her fingers trembling slightly as she entered her password and accessed her account page.
She carefully entered the online lending company's account number, checking each number three times to ensure it was accurate.
Next, he entered the repayment amount of 45 yuan. Looking at the striking number on the screen, Yuan Bao's heart pounded even faster.
Then, she chose her usual payment method and, before clicking to confirm payment, reviewed all the information again, word by word, as if this simple click was opening a door to a new life.
Finally, she gritted her teeth and pressed the confirmation button.
A loading screen popped up on her phone instantly. At that moment, Yuan Bao felt as if time had frozen, and all the sounds around her seemed to disappear. Her eyes were fixed on the screen, and she didn't dare to breathe.
As the words "Repayment Successful" appeared on the screen, Yuan Bao's tense nerves instantly relaxed. She slumped onto the edge of the bed, tears streaming down her face.
This moment, which she had waited for far too long, finally dissipated completely after years of gloom hanging over her heart.
She felt like a butterfly that had struggled in the darkness for a long time, finally breaking free from its cocoon and regaining its freedom; the heavy shackles in her heart had truly been removed.
Memories of the past surged forth like a tidal wave.
Previously, after being forced to leave her job, Yuan Bao embarked on her entrepreneurial dream. At that time, she was full of vigor and believed that with her wisdom and courage, she could make a name for herself and create a prosperous future for her family.
To further her business, she needed to stockpile a large amount of goods. However, she didn't have enough funds and didn't want to give up, so she had no choice but to borrow money from an online lending company. She thought it would be a boost to her success, but she never expected that fate would play such a cruel joke on her.
After the goods arrived, just as they were preparing to make their mark, they encountered the global mask crisis.
The market seemed to freeze instantly. Supply chains broke down, customers were lost, and cash flow was hindered. One problem after another crashed down on her small business like boulders. Despite her best efforts and running around seeking opportunities, she could not withstand the surging tide of the times, and the company inevitably declined.
From then on, the shadow of debt haunted her like a ghost.
The outstanding principal, plus the snowballing interest and penalties, soared to around 51, weighing heavily on her heart.
Every night, when all is quiet, Yuan Bao lies in bed, listening to the occasional howling wind outside the window, staring at the dark ceiling, filled with anxiety and helplessness.
To pay off her debts, she lived frugally, saving every penny she could; she sought employment everywhere, but was rejected time and again due to the age gap.
Having turned to online platforms, she couldn't find a way in and saw no improvement for a long time. Just when the hardships of life were about to completely crush her, Yuan Bao unexpectedly obtained the "Perfect Life Game System".
Log in to the game and relive the time you most wanted to undo. The money you earn in the game can also be exchanged for real-world use at a multiplier.
The game world's fantastical way of changing time amazed Yuan Bao, making her feel like she was using a time cheat. Every night before bed, she would log into the game as if she were racing against time, and she would never log out until she felt it was time to stop.
The 100 million yuan that was successfully redeemed in the game was finally used to pay off all her debts today, allowing her to successfully get out of debt.
After a long while, Yuan Bao calmed himself down, stood up, walked to the window, and slowly opened it. Fresh air rushed in, carrying a faint floral fragrance.
She looked up at the azure sky, as blue as a jewel, and the sunlight fell on her face, warm as if gently soothing the pain she had suffered over the years.
Yuan Bao's thoughts drifted back to the game world, a place full of fantasy and opportunities.
It gave her the power to change her fate when she was at her most desperate and helpless.
By constantly learning new skills and taking on challenging tasks in the game, she not only improved her gaming skills but also found a way to make money.
Think of the max-level cooking skill and basic traditional Chinese medicine skill she acquired in the game world.
It has already achieved an A+ status in terms of its connection to the basic attributes of the real world.
Not to mention the largest secret space; any one of these could provide strong protection for her to continue living in the real world.
It's time to rethink my future life.
I couldn't help but call out to Xiao 9.
A moment later, Little 9's familiar and adorable figure appeared before them: "My lady, you seem to be in a really good mood today! Did something good happen?"
Yuan Bao smiled and patted Xiao 9's head: "Xiao 9, my hard days are finally over! The online lending company agreed to reduce or waive the fees, and I have paid off the debt. I will never have to carry such a heavy burden again."
Upon hearing this, Little 9 jumped up and down excitedly in the air: "That's great, Master! You deserve this. From now on, we can explore the world with more peace of mind. Whether in reality or in the game, it will definitely become more and more exciting!"