Last year's Chinese New Year, Xu Yiyang's family did not return to his hometown for the New Year because of the training class.

Therefore, this year, Xu's father and mother plan to go back to their hometown to have a look.

According to their plan, they will go to their grandparents' house for the New Year first, and then go to their grandparents' house for two days, and then return to Yingzhou.

Xu Yiyang naturally has no opinion, on the twenty-seventh day of the lunar month, Xu Yiyang drove the Buick Regal before, carrying his parents, sister and a lot of gifts, and drove to Lunan's hometown.

Xu's father and Xu's mother are from a city, but later because of Xu's father's work, Xu's mother followed him to Yingzhou.

Because the distance is a little far, the traffic was more troublesome in that era, and the economic level was not good enough, Xu Yiyang's childhood and adolescence did not have many memories of his grandparents and grandparents.

Although there are not many opportunities to meet, the blood and family are still there.

The grandparents and grandparents are all in the countryside, and the other relatives of the two families basically live in the countryside.

From the end of the 20th century to the beginning of the 21st century, it was difficult to change from rural to non-hukou, and the tide of migrant workers had not really swept the country, so it was not easy for most rural families to get out of the countryside.

Children can still hope to study and work, but middle-aged and elderly people are basically inseparable from the rural homestead and the one-third of an acre of land in their own homes.

On the way back to his hometown, Xu's father and Xu's mother told Xu Yiyang about the general situation of the two families.

For example, the four elderly people are in good health, and they still go to the fields to do farm work every day before winter;

For example, the son of the uncle's family gave birth to a big fat boy, and the son of the aunt's family dropped out of junior high school to learn electric welding from others;

Talking about her uncle's house, Mother Xu suddenly sighed that her uncle's cousin couldn't afford to build a house at home, and he couldn't talk about his daughter-in-law in his twenties.

After sighing, I told Xu Yiyang that a few years ago, my uncle opened his mouth to borrow money, and I heard that Xu Yiyang's business was not small, and he wanted to borrow 50,000 yuan from his family and build a house.

As soon as Mother Xu heard about it, she gave the money almost without hesitation.

As a result, the money had just been remitted to the eldest uncle, and the second uncle also came to borrow money, saying that the family was too poor, and he planned to build a pigsty in his yard and learn from others to raise pigs and sell piglets to make money.

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 in the car, for fear that Xu Yiyang would be unhappy, after all, all the money was left to her before Xu Yiyang went to college.

After listening to this, Xu Yiyang knew that the money must have been lost, but he just said plainly: "It's okay, you can borrow it if you think you should borrow it, and the amount is somewhat controlled." ”

"I know. Mother Xu nodded hurriedly, and said a little embarrassed: "Your eldest uncle and second uncle have said that this money will be repaid to us slowly." ”

Xu Yiyang snorted and said seriously: "Pay it back slowly, pay it back slowly." ”

In fact, the subtext in his heart is that if you pay it back slowly, you may not have a day to pay it back.

It's not that Xu Yiyang is unwilling to lend money to relatives, but mainly thinks that it is okay for relatives and friends to help each other, but in general, it is still the same old saying: help the emergency not help the poor, and help the poor do not help the lazy.

He remembers how much the situation of his uncle's house is, his eldest cousin can't find a partner in his twenties, not because he can't afford to build a house at home, but mainly because he doesn't have a serious job all day long, and he is too lazy to die.

Lunanduo coal mines, and there are many cement factories that rely on the mountains to eat the mountains, the degree of automation of coal mines and cement plants is not high in these years, there has been a shortage of workers, young and strong laborers want to find a lucrative job, coal mines and cement factories are too many, the preparation workers may not be able to operate, and temporary workers are available wherever they go.

However, this eldest cousin could not do any work for long, and he was tired from working in the mine for a month, and he did not go again after receiving his salary; he went to the cement factory for more than half a month, and ran away without receiving his salary.

Later, he squatted at home until he was twenty-six or seventeen years old, dreaming of making a fortune every day, and was fooled into going to the south to do MLM for more than half a year, because he had no money and was lazy to do it, and he couldn't develop any downline, so he drove several MLM organizations out in a row, and almost became a local legend;

Later, he became a well-known second-rate man in the village, and every day after eating at home, he would carry his mazar around, as if he was going to work, going out early and returning late, and sometimes even if he sat under the tree and watched people play cards, he could watch it all day.

Until Xu Yiyang was reborn, this eldest cousin was in his forties and almost fifty, and he still hadn't found a partner.

If such a man builds him a house, he may not be able to marry a daughter-in-law.

Even if he marries, people may not be able to live with him, and he will delay his daughter.

The uncle's income from farming is extremely meager, and he still has to support this idle son, and this time he borrowed 50,000 yuan to build a house, and he may not be able to repay it in 20 years.

As for the second uncle.

Although people are not lazy, they are not able to measure their strength and love to toss.

And it's the kind of bear that breaks the stick, east and west.

Before, I saw that someone in the village made a lot of money by baking cakes, and I also learned to burn, and I always felt that this thing was very simple, and I had absolutely no problem, so I didn't study it seriously, and I just put the stove up and prepared to dry, and the baked cakes were said to be fed to the dogs, and the dogs didn't like to eat, so I had to stop in the end.

Later, I saw that the bricklayer in the rural construction team made a lot of money, bought two more bags of cement and hundreds of bricks, and began to teach himself at home.

Such a person takes 50,000 yuan to raise pigs, and it is strange that he can raise them well.

Moreover, Xu Yiyang lent them money in his last life.

I heard that Xu Yiyang made some small achievements in Yanjing, and the eldest uncle and second uncle called every once in a while to make up various reasons to borrow money, buying seeds today, buying fertilizers tomorrow, and accidentally falling on a bicycle the day after tomorrow......

Even Xu Yiyang's mother passed away, and the two called to borrow money.

What's even more outrageous is that the uncle once called him and said that he went to Xu Yiyang's grandparents' hometown to go to Xu's mother's grave, and was hit by an electric car on the way back, and asked Xu Yiyang to give 10,000 yuan to see a doctor.

Xu Yiyang felt that people were injured when they went to the grave of his mother, and only after giving the money did he hear that he didn't go to his mother's grave at all, let alone be hit by an electric car, just to find an excuse to ask him for money.

After knowing about this, Xu Yiyang was completely disappointed in them, and all the phones were blocked, and they were never contacted 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 of these things, it is false to say that he is not angry, even if he is reborn and comes back, thinking about these things, Xu Yiyang is still angry.

But, in the final analysis, they are all my mother's own brothers, she now has money in her hands, and if she wants to help them, she must not object, otherwise it will hurt her mother's heart.

Especially when the wood is already in the boat, there is no need to bother with borrowing money.

So, Xu Yiyang said: "Dad, Mom, our family does have some money now, and it is also appropriate to help relatives, especially direct relatives, if we really open our mouths to borrow money, we really can't refuse." ”

Mother Xu breathed a sigh of relief, nodded again and again, and said, "Isn't that how it works, brothers and sisters just have to help each other." ”

Dad Xu also said appreciatively: "If there is a place where relatives need our help, we must not ignore it." ”

"Yes!" Xu Yiyang first highly affirmed his parents' point of view, and then said: "But, I think we will help us, but we have to set a standard." ”

"Standard?" Xu Ma and Xu Dad asked at the same time: "What standard?"

Xu Yiyang said: "The bank issues a credit card to a person, then the credit card still has a credit line, to put it bluntly, the bank assesses your actual situation and sets a maximum amount for you to lend, for example, he sets you 10,000, then you borrow 10,000, you can't borrow anymore, and people won't lend you when the limit is used up." ”

After a pause, Xu Yiyang continued: "If you borrow 5,000 and pay it back, then you will borrow it from someone next time, and they will be willing to borrow another 5,000 from you, that's what it means." ”

Mom and Dad nodded lightly, probably understanding what Xu Yiyang said about the credit line.

Xu Yiyang said: "If our relatives ask us to borrow money, we also have to set a credit line, for the time being, set 50,000 yuan per family, the eldest uncle and the second uncle have now used up the quota, if they borrow money from us 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 of money he borrows is less than or equal to this amount, then we will not hesitate to borrow;"

"If it is higher than this amount, then we will also give him 50,000 yuan according to the maximum limit of the amount, if he pays it back, it is not difficult to borrow it and borrow it again; if he really doesn't pay it back, we don't want it, after all, they are all relatives, and there is still a love for 50,000 yuan." ”

Speaking of this, Xu Yiyang said seriously: "The amount of 50,000 yuan is really a lot, whether it is in Lunan or Yingzhou, it is enough to buy a house, and ordinary people don't need to borrow so much money at all." ”

Xu Yiyang feels that his family's conditions are good now, and it is indeed appropriate to help relatives who are a little difficult, but it is absolutely necessary to prevent help from becoming a bottomless pit, otherwise the nature of this matter will change.

You can lend money to relatives for emergency relief and lend to relatives to get rich, but you can't lend money to relatives for extravagance and waste, or seek material satisfaction.

But the problem is that others have more high-sounding reasons for borrowing money, and as a relative, it is impossible to inspect and verify first, and then approve the loan, as the bank does.

Therefore, simply set a quota of 50,000 yuan, whether it is emergency or poverty relief, poverty relief or lazy help, this is 50,000 yuan.

If it is really lost, it can also control the loss, and in the relatives, it can be regarded as benevolent 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 open your mouth in the future, you will borrow up to 50,000 yuan per family, and don't borrow more." ”