During the Chinese New Year last year, Xu Yiyang’s family did not go back to his hometown to celebrate the New Year because he was holding a training class.
Therefore, Xu’s father and Xu’s mother plan to go back to their hometown this year.
According to their plan, they would first go to their grandparents' house to celebrate the New Year, then go to their grandparents' house to stay for two days, and then return to Yingzhou.
Xu Yiyang naturally had no objection. On the twenty-seventh day of the twelfth lunar month, Xu Yiyang drove his previous Buick Regal, carrying his parents, sister and a lot of gifts, to his hometown in Lunan.
Xu's father and Xu's mother were from the same city, but later because of Xu's father's work, Xu's mother followed him to Yingzhou.
Because the distance was quite far, transportation was troublesome at that time, and the economic level was not good enough, Xu Yiyang didn't have many memories of his grandparents and grandparents during his childhood and adolescence.
Although there are not many opportunities to meet, the blood and family ties are still there.
My grandparents and grandparents are all in the countryside, and most of the other relatives of the two families also live in the countryside.
From the end of the 20th century to the beginning of the 21st century, it was difficult to convert from rural to non-agricultural household registration, and the wave of migrant workers had not really swept across the country. Therefore, it was not easy for most rural families to leave the countryside.
Children can still hope to study and work, but middle-aged and elderly people are basically inseparable from their rural homesteads and the one-third of an acre of land at home.
On the way back to their hometown, Xu's father and Xu's mother told Xu Yiyang the general situation of the two families.
For example, the four old people are all in good health, and they still go to the fields to do farm work every day before winter;
For example, my uncle’s son gave birth to a fat boy, and my aunt’s son dropped out of junior high school and learned welding from others;
When talking about her uncle's house, Xu's mother suddenly lamented that her cousin, who was in her late twenties, could not be called a wife because the family could not afford to build a house.
After sighing, he told Xu Yiyang that a few years ago, his uncle asked for a loan. He heard that Xu Yiyang's business was doing well, and wanted to borrow 50,000 yuan from his family to build a house.
As soon as Xu's mother heard about it, she gave the money to her without any hesitation.
As a result, the money had just been transferred to the uncle, and the second uncle also came to borrow money. He said that the family was too poor and planned to build a pig pen in his yard and learn from others to raise breeding pigs and sell piglets to make money. Xu's mother felt that she could not favor one thing over another, so she just Borrowed fifty thousand.
When talking about this, Xu's mother, who was sitting in the back seat, kept looking at Xu Yiyang's expression through the rearview mirror of the car, fearing that Xu Yiyang would be unhappy. After all, the money was left to her by Xu Yiyang before he left for college.
After hearing this, Xu Yiyang knew that the money must have been wasted, but he just said calmly: "It's okay, you can borrow it as soon as you think you should, as long as the amount is somewhat controlled."
"I know." Mother Xu nodded hurriedly, and said a little embarrassedly: "Your uncle and uncle have said that they will find a way to pay us back the money slowly."
Xu Yiyang hummed and said seriously: "Pay it back slowly."
In fact, the subtext in his heart is that if he pays it back slowly, he may not have time to pay it back.
It's not that Xu Yiyang is unwilling to lend money to relatives. The main reason is that it is okay for relatives and friends to help each other, but in general it is the same old saying: help the urgent but not the poor, and the poor but not the lazy.
He somewhat remembered what was going on in his uncle's family. His eldest cousin, who was in his twenties, couldn't find a partner. It wasn't that the family couldn't afford to build a house, but mainly because he didn't have a serious job all day long and was too lazy to die.
There are many coal mines in Lunan, and there are also many cement factories that rely on the backers. These days, the level of automation in coal mines and cement factories is not high, and there is always a shortage of workers. Young and strong laborers want to find a profitable job. There are many coal mines and cement factories. Preparation workers may not be available, and temporary workers may be available at any time.
However, this eldest cousin could not work any job for long. He worked in the mines for a month and became unbearably tired. After receiving his salary, he never went back. He only worked at the cement factory for more than half a month and left without receiving his salary. .
Later, I idled around at home until I was twenty-six or seventeen years old. I dreamed of getting rich every day. I was deceived and went to the south to work in a pyramid scheme for more than half a year. Because I had no money, was lazy, and could not develop any downline, I was successively chased by several pyramid schemes. came out and almost became a local legend;
Later, he became a well-known second-rate boy in the village. After eating at home every day, he would move around with his horse, just like working, leaving early and coming back late. Sometimes he could even sit under a tree and watch people playing cards. All day long.
Until Xu Yiyang was reborn, this eldest cousin was already in his forties, almost fifty, but he still hadn't found a partner.
Even if a house is built for such a person, he may not be able to get a wife.
Even if he gets married, he may not be able to live with him, and he may even delay his daughter.
The uncle's income from farming is extremely meager, and he still has to support this idle son. This time he borrowed 50,000 yuan to build a house, and he may not be able to pay it back in twenty years.
As for the second uncle.
Although people are not lazy, they do not know their own abilities and love to toss.
And it's like a bear breaking a stick, moving east and west.
I saw that someone in the village was making money by baking sesame cakes, so I learned how to do it myself. I always felt that it was very simple and I would have no problem with it, so I didn’t do any serious research. I just set up the stove and started cooking. The baked sesame cakes are said to be delicious. Dogs and dogs don’t like to eat it, so in the end we had to let it go.
Later, I saw that the bricklayers cutting bricks in the rural construction team were making a lot of money, so I bought two bags of cement and hundreds of bricks, and began to teach myself at home. After cutting for three days, I injured my hand and stopped working.
Such a person spends 50,000 yuan to raise pigs. It’s strange that he can raise pigs well.
Moreover, Xu Yiyang had lent them money a lot in his previous life.
I heard that Xu Yiyang had made some small achievements in Yanjing. My eldest and second uncles called me every now and then and made up various excuses to borrow money. I bought seeds today, fertilizers tomorrow, and accidentally broke my hip while riding a bicycle the day after tomorrow. Sometimes I said that I I was deceived, unable to return home, hospitalized and had no money to pay for medical bills...
Even Xu Yiyang's mother passed away, and the two of them called to borrow money.
What's even more outrageous is that his uncle once called him and said that he went to Xu Yiyang's grandparents' hometown to visit Xu's mother's grave. On the way back, he was hit by an electric car and asked Xu Yiyang to pay 10,000 yuan for medical treatment.
Xu Yiyang thought that he was injured because he went to visit his mother's grave. After giving him the money, he heard that he didn't go to visit his mother's grave at all, nor was he hit by an electric car. He just found an excuse to ask for money.
After learning about this, Xu Yiyang was completely disappointed with them, blocked all their phone calls, and never contacted them again.
In those years, he lent a lot of money to the two of them one after another, and until he was reborn, he never paid back a penny.
Thinking about these things, it would be a lie to say that he is not angry. Even after being reborn, Xu Yiyang is still angry when thinking about these things.
But, in the final analysis, they are all her mother's biological brothers. Now that she has money, she wants to help them. She must not object, otherwise she will hurt her mother's heart.
Especially when the deal is settled, there is no need to worry about borrowing money.
So, Xu Yiyang said: "Dad, Mom, our family does have some money now, and we should help our relatives, especially our immediate relatives. If we really ask for a loan, we really can't refuse."
Xu's mother breathed a sigh of relief, nodded repeatedly, and said, "Isn't that just how things work? Brothers and sisters have to help each other."
Dad Xu also agreed and said, "If our relatives need our help, we can't just ignore them."
"Yes!" Xu Yiyang first highly affirmed his parents' views, and then said: "But, I think we should help each other, but we must set a standard."
"Standard?" Xu's mother and Xu's father asked at the same time: "What standard?"
Xu Yiyang said: "When a bank issues a credit card to a person, the credit card also has a credit limit. To put it bluntly, the bank evaluates your actual situation and sets a maximum loan amount for you. For example, if it sets a limit of 10,000 for you, then Once you borrow these ten thousand, you can’t borrow any more, and no one will lend you anything if your limit is used up.”
After a pause, Xu Yiyang continued: "If you borrow five thousand and pay it back, then you can borrow it from someone else next time, and they will be willing to lend you another five thousand. That's what it means."
The parents nodded slightly, probably understanding the credit limit Xu Yiyang was talking about.
Xu Yiyang added: "If our relatives ask us to borrow money, we have to set a credit limit. For the time being, we will set it at 50,000 per family. My uncle and second uncle have already used up the credit limit. If they ask us to borrow money again, , then we can’t borrow anymore, when will we repay the borrowed money, and when will we talk about borrowing money next time.”
"As for other relatives, my aunt, my uncle and my aunt, each of them also has a quota of 50,000. As long as the amount he asks to borrow is less than or equal to this quota, then we will borrow without hesitation;"
"If it is higher than this limit, then we will give him 50,000 yuan according to the maximum limit. If he pays it back, it will not be difficult to borrow it again; if he really doesn't pay it back, we won't let him go. After all, we are all relatives. There is still love for ten thousand dollars.”
Speaking of this, Xu Yiyang said seriously: "Fifty thousand yuan is really a lot of money. This amount of money is enough to buy a house in Lunan or Yingzhou. Most people don't need to borrow so much." money."
Xu Yiyang felt that now that his family's conditions were better, it was indeed his duty to help relatives who were in some difficulty, but the help must be prevented from becoming a bottomless pit, otherwise the nature of the matter would change.
You can lend money to relatives for emergencies or to make yourself rich, but you cannot lend money to relatives for extravagance or to seek transcendent material satisfaction.
But the problem is that others have more high-sounding reasons for borrowing money. As relatives, it is impossible for them to inspect and verify first and then approve the loan like a bank does.
So, let’s just set a limit of 50,000 yuan. Whether it’s emergency relief or poverty relief, helping the poor or helping the lazy, this is 50,000 yuan.
If it is really a waste, the loss can be controlled, and relatives can be regarded as being kind and righteous.
After hearing this, Xu's father and Xu's mother looked at each other, and then Xu's mother said: "Okay, mom thinks your method is very good. If you ask in the future, each family will borrow up to 50,000, and we will not borrow more."
(End of chapter)