Dao Companions Help Me Live Forever

Chapter 86: Borrowing Money

Drip!!

The warning formation at the door emitted a short alert sound.

Yu Xian, who was busy with the water pool, paused.

The warning formation can also be used as a doorbell. As long as it is not violently destroyed, a short touch of the formation will produce a sound.

Yu Xian opened the door and saw Wang Jie, the neighbor next door, standing outside the formation with a troubled expression on her face.

"Wang Jie, are you here to find Yulan? Unfortunately, Yulan is cultivating," Yu Xian said as he opened the formation and invited Wang Jie into the house.

Wang Jie smiled awkwardly at Yu Xian and said, "No, I'm here to find you."

"Find me?" Yu Xian was taken aback and couldn't help but size up Wang Jie. He noticed that Wang Jie looked different today—she had put on makeup!

Even if it was just light makeup, it covered up the worries on her face, making Wang Jie look quite attractive.

Especially her virtuous demeanor, which surpassed that of the girls in the club.

Unfortunately, she wasn't his type.

Under normal circumstances, he wouldn't get involved with married women.

Feelings and actions are two different things.

Even his relationship with Wang Fei only started after Prince Fu died.

What? Prince Fu faked his death?

But he didn't know that at the time. He even helped set up Prince Fu's tomb.

Besides, Prince Fu did die later on.

"Wang Jie, we can't betray Li Ge," Yu Xian said. "And Yulan is still at home, oh, that's not a problem."

Wang Jie was initially taken aback, but then her face turned red with embarrassment.

"I didn't mean that. I... I came to borrow money from you."

Isn't this even more serious?!

Yu Xian's eyes immediately cleared up, and he calmly took a few steps back, creating a safe distance between him and Wang Jie.

"Wang Jie, we're neighbors, so of course I'll help if you ask," Yu Xian said. "If it's just thirty to fifty spirit stones, I can give them to you right now."

The implication was that if it exceeded thirty to fifty, then don't bother asking.

After all, he was used to freeloading off others, not being freeloaded upon.

And in his shallow understanding, borrowing money meant throwing it away. If he could get the money back, it would be as good as winning the lottery.

So in his past life, he either didn't borrow money or didn't expect others to pay it back after borrowing.

The relationship between Wang Jie's family and him was also at the level of thirty to fifty spirit stones.

Even though this number wasn't low, it was only the income of an ordinary Qi Refining early-stage cultivator in ten years.

Hmm, that's what he used to be.

Wang Jie understood Yu Xian's meaning but still maintained an embarrassed smile.

"I want to borrow one thousand spirit stones."

In an instant, Yu Xian felt like he saw a lion opening its mouth wide and biting towards him.

Even if Wang Jie wanted him, considering their neighborly relationship, he might have reluctantly agreed.

But what concept was one thousand spirit stones?

It was enough for him to visit twenty different Qi Refining brothels, and it was a monthly package!

"Wang Jie, as you can see, I recently took in a concubine, and now I have to support three people's cultivation. There's not much surplus in the family," Yu Xian said, putting on an "even the landlord has no surplus" appearance.

Wang Jie's eyes dimmed when she saw this.

But she also understood that they had only been neighbors for less than a year, and it was unrealistic to ask someone to come up with such a large sum of money out of thin air.

"I won't borrow for free. I'll use my house as collateral," Wang Jie said.

Now she was showing sincerity.

Yu Xian nodded inwardly and asked, "Wang Jie, if I may ask, why do you need to borrow so much spirit stones? Does Li Ge know?"

Wang Jie shook her head and said, "He doesn't know yet, but the house is mine, and I can make the decision on my own."

"You can calculate the interest on my borrowed spirit stones on an annual basis. If I haven't paid it back within ten years, the house will belong to you."

Yu Xian waved his hand and said, "Wang Jie, the house belongs to you and Li Ge. By mortgaging it to me like this, when Li Ge comes back, he will definitely come looking for trouble with me. It's better to discuss it with him first."

Wang Jie fell silent for a moment and said, "What if I only need eight hundred spirit stones?"

Yu Xian suddenly sneered.

Seeing Wang Jie's exquisite makeup, he thought she had secretly been seduced by someone. Now, she was borrowing money and mortgaging her house, even willing to lower the price, all to run away with her lover before Li Ge returned.

But privately, he despised it, but he wouldn't bother with such troubles.

"Wang Jie, there are so many intermediaries in the city, and your house is not difficult to sell. Why not go to them?"

Wang Jie smiled bitterly, "I have already tried, but they offered a very low price. The house that Li Ge and I bought for a thousand spirit stones, they are only willing to offer seven hundred now."

Yu Xian spread his hands helplessly and said, "Wang Jie, you have to understand me too. Without Li Ge's approval, how could I dare to take your house?

What are you hiding from him?

Could it be that Li Ge is treating you badly and hitting you in private?"

Regardless of whether he cared or not, gossip was gossip.

Wang Jie's face showed a little struggle, and after a moment of contemplation, she sighed and said,

"Yu Dao You, I will tell you the truth. In a short while, there will be an auction in Shangyang City that only happens once every ten years. Every auction, there will be Foundation Building Pills and Foundation Building spiritual items available.

This time, Li Ge is determined to obtain a Foundation Building spiritual item no matter what.

For this, he plans to venture deep into the Wan Yao Mountain Range.

But he doesn't even have Foundation Building cultivation, and going deep into the Wan Yao Mountain Range is a life-or-death situation.

So I suggested selling the house to him to gather some spirit stones, but he stubbornly insisted that if he fails to break through, he must leave the house to me so that I have something to rely on in the future.

No matter what I say, he doesn't listen and insists on going to the Wan Yao Mountain Range.

That's why I thought of shamelessly borrowing spirit stones from you. If you refuse to lend them, I will use the house as collateral and give it to you at a discounted price, which is better than giving it to those blood-sucking intermediaries."

Yu Xian, however, was puzzled, "Since there is an auction every time, why don't you wait for the next auction? Waiting for ten more years should be enough for you to earn enough spirit stones, right?"

Since Wang Jie had already opened up, she had no intention of hiding anything anymore.

"Li Ge is already fifty-two this year. Waiting for another ten years, he will already be over sixty, with declining vitality and not in his peak state. He will miss the best age to break through Foundation Building.

Moreover, he heard that there is a Foundation Building spiritual item in this year's auction that is particularly suitable for him, which is why he is so eager.

Yu Dao You, if you think eight hundred is too high, seven hundred is also acceptable, as long as you promise to give me ten years to repay the debt."

Her house was not difficult to sell, but she couldn't find a buyer in a short period of time.

After all, not everyone could afford over a thousand spirit stones.

If she sold it to an intermediary, not to mention the cost of living after selling the house, if she wanted to buy it back in the future, she would have to pay several hundred more spirit stones. How could she agree to that?

It was better to use the house as collateral for a private loan.

Upon hearing this, Yu Xian couldn't help but feel ashamed.

He was indeed a despicable person, thinking so poorly of their long-standing relationship.

But there was money to be made in this deal. As long as they signed the contract with official certification from Shangyang City, if Wang Jie couldn't repay the spirit stones in ten years, he could take possession of the house.

After all, the property prices in Shangyang City would definitely not fall.

And now, giving money can also earn a little favor.

In case Brother Li's face is not black but his heart is, and he successfully breaks through, he will have more connections here, which is more suitable for his future laid-back life.

Connections and such, aren't they slowly built over time?

Even if he fails, he will follow the rules and collect the house, and no one can say anything about it.

"Wang Jie, according to what you said, I will lend you one thousand spirit stones. But you don't need to pay interest, consider it a small gesture of goodwill towards you and Brother Li's deep affection.

We are neighbors, if I take advantage of you at a time like this, I would feel guilty."

Eight hundred spirit stones with one percent interest is only eighty spirit stones a year. Since he wants to earn favor, he might as well be generous.

Wang Jie's eyes immediately brightened, and she was almost moved to tears.

These past few days, she had borrowed money behind her husband's back and had received many disdainful looks.

Some even thought that something had happened to her family and wanted to take advantage of her, taking both her money and her person.

She didn't expect that things would turn around here in Yu Xian's place, and he wouldn't even charge her interest.

"Friend Yu, I am truly grateful to you, I... I don't know what to say."

"We shouldn't delay, Wang Jie, let's go to the patrol team together. It's not that I don't trust you, I just want the authorities to witness it, so that both of us can feel at ease," Yu Xian said.

Wang Jie nodded quickly, "Of course, of course."

The two of them left together.

Half an hour later.

Yu Xian patted the almost empty storage bag and exchanged it for a paper contract before returning home.

Although he now earns around five hundred spirit stones every month, his monthly expenses are not low.

First, there is the issue of formation plate costs. Even if his success rate in engraving formation plates remains above eighty percent, the monthly cost is around eighty spirit stones.

Yulan's cultivation requires about fifty spirit stones a month, any more than that and she can't handle it.

In addition, there is Yulan's pocket money of fifty spirit stones a month.

Zhao Shiwen's side requires twenty spirit stones a month.

Adding his own personal expenses, it also amounts to around one hundred spirit stones per month.

All of these add up to about three hundred spirit stones in monthly expenses.

So, he has been selling formation diagrams for almost ten months, and with his previous savings, he has saved up a little over two thousand spirit stones, which is almost half gone.

The next day.

The rarely seen black-faced Brother Li from next door took the initiative to come and thank Yu Xian. Knowing that Yu Xian wanted to buy some fish to decorate the pond, he brought a nest of cold pond silver fish that he "picked up" in the Ten Thousand Demon Mountain Range as a gift.

(End of this chapter)