Quick Transmigration: Knowing I'm a Bad Woman, Yet Still Liking Me?

"Ms. Bai Yuan, what caused your failure to repay on time?"

Bai Yuan sat in front of the vanity, removing her makeup while listening to the voice on the other end of the phone, feeling somewhat irritated. "Of course I don't have money. If I did, wouldn't I pay it back?"

After saying that, she hung up the phone. Is she crazy, calling to collect debts in the middle of the night?

I opened my phone, and it was full of missed calls and debt collection messages.

"Your bill is overdue from March 9th, and the current total amount owed is..."

"If you continue to default, your overdue payment record will be reported to the credit reporting agency, which will seriously affect your future home purchases, car purchases, loan applications, and even your children's education..."

"We may contact the emergency contact you provided in your application, or conduct an on-site visit to your area..."

Scroll down to the last page on your phone, and you'll see several loan platforms, most of which have overdue payments.

Not only that, the original owner's bag also contained a large number of credit cards, all of which were outstanding.

Bai Yuan took a deep breath and shouted in her mind, "Get out here, you bastard!"

The small system trembled with fear. "Don't blame me. The worlds we jump to are random. Only advanced systems have the right to choose."

Bai Yuan took another deep breath. "Calculate how much money this idiot owes."

The reason the original owner was called an idiot is because she used a small portion of the loan money to buy luxury goods and half of it to show off.

For example, treating someone to a meal or inviting someone to a club.

She used the things she bought very lavishly, and when people borrowed them and didn't return them, she felt embarrassed to refuse or ask for them back.

In Bai Yuan's eyes, vanity is never wrong, so that's not what she criticizes.

Most importantly, with loans, interest compoundes after you take them out. Half of it goes to you, and the other half goes to these lending platforms, and this snowball keeps getting bigger and bigger.

In other words, of the money she earns each month, plus the money she borrows, only a small portion is actually spent on herself.

Everyone has their own preferences. Bai Yuan allows herself to be herself and rarely criticizes others for how they are being themselves.

But this time she really couldn't stand it. "You can spend your own money to show off, or you can spend other people's money to show off, but you can't take out a loan to show off."

It's one thing to take out a loan, but if you can't pay it back, you commit suicide, so you bring her in to clean up the mess.

The small system quickly calculated and said in a trembling voice, "The total amount to be repaid is now 497431. If it is delayed, the late fees will be very high. The longer it is delayed, the more you will have to pay."

"That's 500,000! That idiot really dared to lend it out."

"She...she...she still has a mother, and she thought her mother would pay it off for her."

Bai Yuan's eyes lit up, and she sat up straight. "So? Why don't you help her pay it off?"

"Her mother told the original owner that her father had gone to work abroad, but in reality, her father was imprisoned and sentenced to life imprisonment. Her mother's monthly salary was 4,500 yuan, and she gave her 4,000 yuan every month. The original owner always thought that there was still money in the family and that they were not giving her any. It wasn't until today that she could no longer hide it, and her mother finally told the truth."

Just then, a WeChat message notification sound rang.

Bai Yuan picked up her phone and saw that the contact name was "You old geezer, go to hell."

"Yuanyuan, please, please don't do anything foolish. I really don't have any money right now. I'll go borrow some, I'll go borrow money right now to help you."

"Yuan Yuan, say something, don't worry your mother."

"Don't worry, even if Mom has to sell her blood, she'll still raise the money for you."

Scrolling up further, she saw the messages the original owner had sent to her mother. In any case, she didn't call her "Mom" once; it was all insults and accusations against her mother. Bai Yuan slapped her forehead and said, "These two are crazy."

The original owner's mother always felt indebted to her, and would fulfill any request the original owner made, even if it meant eating only steamed buns and pickled vegetables herself.

For example, two years ago, when the original owner turned 17, she took a fancy to a Chanel bag priced at 3.9 yuan.

When her mother refused to buy it for her, the original owner threw a tantrum, and in the end, her mother gritted her teeth and spent all the family's savings to buy it for her.

So he turned the original owner into the person he is today, thinking that as long as he makes a fuss, he can always get what he wants.

Bai Yuan recalled the original owner's memories and snippets from the book.

Her mother's suggestion to borrow money likely means she won't be able to borrow a single penny.

Given her family's circumstances, both sets of relatives had long since kept their distance from her and her mother.

People at her mother's workplace know what kind of person she is; it would be a miracle if they asked her to lend them money.

As for selling blood, her mother worked at the seafood market, doing accounting and occasionally moving goods.

It's very humid there. My body has been worn out by the years. Whether people would accept my blood donation is another matter. After selling my blood, I'd probably lose most of my life and wouldn't get much money.

She first changed the contact name to "Lan Rong" before replying to the other party, "I'm fine, you don't need to worry about this. Keep your own money each month from now on, I'll handle it myself."

Even if the other party gave her all of her 4,500 yuan every month, it would be a drop in the ocean.

Lan Rong on the other end of the phone kept typing, and after a long while, a message finally came through: "Yuanyuan, Mom knows you're angry, but please don't abandon Mom. You're my only family now, and if you ignore me, how am I supposed to go on living..."

"Stop."

Bai Yuan quickly stopped her, a feeling of suffocation spreading from her heart, "I didn't say I didn't want you, I said I can handle my own affairs."

Lan Rong seemed relieved to hear her say that. "If you really can handle it yourself, then please don't do anything foolish."

"I know, I won't do anything foolish, don't worry."

"That's wonderful, Yuanyuan has finally grown up. Listen to your mother, after you pay back the money, work hard and save more money, and I'll help you save some too. In the future, find a decent man to marry and have children. I'm still young, and I can still help you take care of the children."

Bai Yuan's dwindling patience had run out. "Shut up! You're a complete mess yourself, and you dare to lecture me?"

"That's not what Mom meant."

"You can't even manage your own life. Your husband is a gambler, and now he's a murderer. You've raised your daughter to be such a wretched child. How do you have the audacity to lecture others?"

Lan Rong was stunned. Bai Yuan had scolded her before, but she had never said this to her. "I'm sorry, it was Mom who did a bad job."

Bai Yuan felt like she'd punched cotton. She reached up to catch her breath and said, "I'm just asking you, are you still thinking about my idiot dad?"

"No, he'll never get out of here in his life. Even if he does, Mom won't let him come and ruin our lives."

"Fine, then let me ask you, do you want to live a good life?"

"Whether Mom lives a good life or not is not important, the important thing is you..."

As Bai Yuan typed, her face contorted with rage, she suddenly began to understand the original owner of this body. "Stop talking nonsense, I'm just asking you, do you want a good life?"

This Lan Rong is like a piece of stinky chewing gum; you can't shake her off, and you can't reason with her.

"If she could live a good life, Mom would definitely want to."

"Okay, from today onwards, you'll listen to me."

"Okay, Mom will listen to you."

Bai Yuan initially wanted to turn off her phone, but after thinking about it, she sent another message: "From now on, be more concise and clear when you talk to me. Don't waste time with nonsense. Also, do whatever I tell you to do."

She disliked idle chatter, and Lan Rong was still useful for the time being. If Lan Rong behaved herself, she would follow her.

If they remain incorrigible, give them some money when they're no longer useful, and they'll quickly sever ties with you.

After saying that, she threw the phone aside and quickly removed her makeup and went home.