Chapter 18 – Episode 18
“I don’t know much about other things because my education is short, but I do know one thing for sure. Even if I don’t have a loan, life becomes much easier.”
This is good when taking out a loan. But when it came to paying back, it was hell. This is because you have to repay the principal and interest every month.
As you repay your loan, you will inevitably run out of living expenses. Since things are difficult right now, I use a credit card as soon as possible.
Credit cards were a swamp.
A swamp that you can’t escape from.
You collect your salary to cover your credit card debt, and when you pay off your credit card debt, your salary disappears, and you end up in a vicious cycle where you have no choice but to use your credit card because you have no money.
Loss occurs in the process.
Very high credit card interest rate.
Barriers to entry into purchasing luxury goods are lowering.
Reckless consumption habits.
Decrease in future profits.
“If only I could pay off all the loans, I would have no wish. If I didn’t have any loans or credit card debts, I would be able to live a decent life.”
“That’s right.”
Jinseong nodded. Lee Ji-seong’s words resonated with me deeply.
Jinseong had received a loan of 50 million won at 8.8% per annum. I was paying back 1,033,071 won every month.
I received a monthly salary of 2.8 million won and repaid 1.03 million won every month, so in reality, I was left with only 1.67 million won.
‘If I hadn’t had a loan, I wouldn’t have lived with 150,000 won in living expenses…’
Even if there were no loans, it would have been possible to save 1.4 million won per month.
I would have given my cute younger siblings pocket money and bought them some delicious snacks.
‘Because there is about 40 million won left in the loan…, If I win the lottery, I will have to pay off all my loans first.’
If you pay off the loan, you will have 1.03 million won in extra money every month.
‘Good!’
As a result.
Starting this month, the monthly salary has been increased by 100,000 won.
I decided to give my mother 100,000 won less.
Loan amount of 1.03 million won + surplus of 200,000 + existing pocket money of 150,000 = a total of 1.38 million won of surplus funds was created.
‘Very good!’
I was so happy. I was so happy that I couldn’t express it. It was now the end of debt and the beginning of happiness.
“Jinseong, you’ve been drinking a lot. Why don’t you sleep over at my house?”
“No. I ate too much today, so I can’t sleep like this. “I have to go to the gym, work out, and then sleep.”
Since I started dieting, I haven’t missed the gym even for a day.
Jinseong had no intention of skipping the gym just because she was drunk.
‘As far as achievements… As for exercise… You have to do it even if it means dying.’
Willingness to lose weight at all costs.
Willingness to become good-looking as an achievement reward.
A more grown-up life.
The will to live a more successful life.
‘Let’s go.’
I walked. I felt a cool breeze. The destination was the gym.
Is it because of the alcohol?
Is that why you became emotional? Are there a lot of miscellaneous thoughts?
‘However…’
While walking.
‘I’m curious…’
Jinseong suddenly had a doubt.
‘I am…, I want to grow.’
I wanted to become a better person.
‘But I…, I also want to succeed. I want to achieve not only personal growth but also social success. However…, What should I do to succeed?’
No.
In the first place…
‘What is the standard for success?’
It was a question I had never asked in my life.
Jinseong could not give a clear answer to the question.
‘I don’t know.’
∴∴∴
It’s Sunday. It was a day off. I woke up at 5 o’clock.
I went out for morning exercise. I took a shower in warm water.
‘Second place prize money is 44 million won…’
The amount was after taxes.
‘The remaining loan amount is 39 million won…’
When I received the winnings, I planned to repay the entire loan.
‘I have about 500 left over.’
I felt good.
Even after paying off the loan, you still have 5 million won left?!
The fortune changed from -3900 to +500 in an instant.
‘Hehe, the boring loan life is now over.’
I lay down on the mattress. It’s fluffy. It’s cozy. Both body and mind are warm. A smile naturally formed on my face.
What should I do with 5 million won?
‘Out of 500, 4.6 million won is saved… Spend 200,000 won on me… ‘Let’s give 200,000 won to grateful people.’
A surplus of 1.38 million won was created every month.
How do I spend 1.38 million won?
‘Let’s save money for the future. Let’s add 1.1 million won to the existing 500,000 won and save 1.6 million won. I use the remaining 280,000 won for my living expenses.’
Savings increased. From 500,000 won to 1.6 million won.
The cost of living has increased. From 250,000 won to 280,000 won.
‘Lucky Cookie is great value for money…’
It’s all thanks to Lucky Cookie.
If there wasn’t a lucky cookie, I wouldn’t have won second place in the lottery.
If lucky cookies were expensive, I wouldn’t have purchased the lottery ticket itself.
‘I earned 44 million won by investing just 1 point.’
It was a huge benefit. It was a great benefactor. I thought it was the best value for money.
[You have purchased a lucky cookie.]
Purchased again. I ate it up. It was more delicious than I imagined.
It was better than most chocolates sold on the market.
‘A true King God and a great benefactor.’
It only costs 1 point, but it tastes good and is effective.
[You have consumed a lucky cookie.]
[Luck increases randomly.]
[Luck increases by +23.5 for 24 hours.]
Last time, luck increased by +35.4 for 1 hour.
‘The time has increased significantly since last time. Luck has decreased a bit.’
Time increased by 23 hours. Luck decreased by -11.9.
‘I’m curious. I’m looking forward to it. How effective is it?’
The effect appeared immediately.
[Ayoung Choi: Photo.]
A KakaoTalk message came from Choi Ayoung.
However, it was a photo, not a text.
‘What is it?’
I checked it without thinking.
‘Huh?!’
I couldn’t help but be surprised.
[This message has been deleted.]
I was so surprised that I stared at it in fascination.
The photo was urgently deleted.
[Ayoung Choi: Ahhhhhㅠㅠㅠㅠㅠ]
[Ayoung Choi: I sent it by mistake ㅠㅠㅠㅠ]
[Ayoung Choi: Oppa, you didn’t see it, right?]
[Ayoung Choi: You didn’t see it, right? Right?]
[Ayoung Choi: Please, you shouldn’t have seen it.]
[Ayoung Choi: ㅠㅠㅠㅠㅠㅠㅠㅠㅠㅠ]
Didn’t you see it? I saw. I also took a close look at it while enlarged. It was a very sad photo.
The face and upper body were taken. With only underwear on.
The neckline, collarbone, cleavage, and light pink bra were explicit.
‘It’s grown. Very. Very. ‘The breasts were bigger than I imagined.’
It was heavy and did not suit her petite body type.
‘The skin looked as smooth as if it had been completely coated with honey.’
A phone call came in. It was Choi Ayoung. She answered the phone.
“Hello?”
-Oppa, did you see it? Didn’t you see it?
Jinseong was worried.
Should I answer honestly? Or should I lie?
“I didn’t see it.”
Jinseong’s choice was the latter.
-Don’t lie.
“Really. I really didn’t see it. “What did you send me?”
-Really? Did you really not see it? You’re not lying, are you?
“Okay.”
-Phew, that’s a relief. Ugh, I was trying to send a picture of a dog, but I accidentally sent a strange picture. What happened?
Choi Ayoung wiped her surprised chest.
– What was your brother doing?
“Me? “I was exercising and lying down.”
– You are really diligent.
“And you?”
– I was looking at a picture of a dog.
– Hehe, the dog is so cute
– When I’m worried, I think the best thing to do is eat something delicious or look at something cute. All the worries and worries in the world disappear.
“What are you worried about?”
– No. It was there, but it disappeared thanks to the photo of the dog.
– Oppa, Ayoung is bored. Let’s meet early today and play.
“Is that so?”
It was a willing offer. I was bored because I had nothing to do.
I need to prepare.
∴∴∴
I met Choi Ayoung earlier than planned.
He was wearing a yellow box t-shirt and jeans.
The loose clothes, petite physique, and cute puppy-like beauty achieved an exquisite balance.
It’s so lovely.
[Likeability: 50]
Is it because I usually use KakaoTalk a lot?
It’s only our third meeting.
The favorability level had reached 50.
‘However…’
Jinseong checked Choi Ayoung’s profile and narrowed her eyes.
‘What on earth is going on?’
Choi Ayoung’s condition, as stated in her profile, was not very good.
[Worry] [Concern] [Conflict] [Complex]
Unlike his bright expression, his insides were extremely complicated.
[Inner mind: I’m hungry…]
[Inner mind: It’s strange. Seeing you oppa made me feel a little more at ease.]
I’ll have to take a peek into her inner thoughts sometimes.
I’m curious what you’re worried about.
“Aren’t you hungry?”
“I’m hungry.”
“Let’s go. “Oppa will buy you something delicious.”
“No. Ayoung will live.”
“No matter who buys it, let’s go eat first.”
“Good.”
I had breakfast at a nearby galbitang restaurant.
‘I see.’
While eating, I peeked into Choi Ayoung’s inner thoughts.
In the end, Jinseong was able to understand her concerns.
‘Hmm, I thought she was just a bright and good friend, but she wasn’t…’
The circumstances were complicated.
‘I want to help, but there’s nothing I can do to help.’
Her mother seems to be sick. It seemed like she needed money.
She was worried about whether she could make a living just by working part-time.
“…”
Jinseong picked up the ribs. She separated the meat from the bones. She used tongs and scissors to cut it into bite-size pieces.
“Eat mine too.”
This is the only thing I can do.
“Thank you!”
She just gave me some meat.
[Likeability: 51]
It seems that likeability increases very easily.
She finished eating. She walked down the street. We had a normal conversation.
Is it because I’m full? Or should I walk while soaking up the sunlight? Or is it because of small talk?
[State: Comfortable]
Choi Ayoung’s expression brightened.
“Wow, you’re cute.”
Choi A-young ran to the retriever who was walking.
“Agung, you’re pretty.”
She was so fascinated by the retriever’s cuteness that she didn’t know what to do.
“Dog owner, by any chance. “Can I rent a dog just by touching it once?”
“Yes, you do. “He’s so gentle, so you can just hug him.”
“Really?! Thank you!!”
Ayoung Choi hugged her retriever and nuzzled her face into her neck.
The retriever silently accepted it, as if she didn’t like skinship.
Choi Ayoung is back.
“Hehe, I feel completely healed today. She gets her rib soup from her brother and eats it, and also hugs her cute dog.”
“Do you like dogs?”
“Yes! It’s amazing!! She can’t raise Sol because he lives with her older sister, but she plans to raise him later when she lives alone!”
She was walking.
“Oppa?”
Jinseong stops his steps.
“… ?”
Choi Ah-young looked at him suspiciously.
[Lottery]
Jinseong’s eyes turned to the lottery book.
[We sell instant lottery tickets.]
To be precise, I was looking directly at the phrase ‘instant lottery’.
∴∴∴
Choi A-young was holding an instant lottery ticket.
“…”
Without saying anything.
I shed tears like chicken shit.
Won 20 million won.
