Wen Tingbai originally thought that he and Song Wanning were husband and wife, and they were one. He said that the loan was just an excuse, and if the family got out about the loan, people would probably laugh at them, and Song Wanning would never do such a thing.
Kwendingber was wrong.
Song Wanning was not annoyed after hearing what Wen Tingbai said. She just looked at Caique beside her and said, "Bring paper and pen. Since Mr. Bai wants to borrow money, we must make a written agreement, otherwise he will turn against us after taking the money."
Seeing Song Wanning's behavior, Wen Tingbai's face became even uglier, and he just said, "Wanning, do we really have to go this far?"
"Didn't Second Master say he wanted to lend you money? Now Second Master is going back on his word?" Song Wanning thought that Wen Tingbai didn't want to lend her money again, so she waved her hand at Cai Que and said, "Since Second Master said he didn't want to lend her money, I'll just send him back to the yard to rest."
Wen Tingbai looked at the indifferent Song Wanning and almost squeezed out the words from between his teeth, "I'll borrow it."
Song Wanning took a pen and paper and said calmly, "How much do you want to borrow, Second Master?"
Wen Tingbai thought about the two thousand taels he owed Zhonggong, and the one thousand taels that Cui Xiaoxiao's rouge shop still owed. He really didn't have any extra money, so he had to bite the bullet and said, "Three thousand taels."
Song Wanning had a solid reason and continued to ask, "When do you plan to pay it back, Master?"
Wen Tingbai sighed and said helplessly, "The money I earn as an official every month, as well as the money that my family should give me, will all be sent to your courtyard."
"Second Master's salary as an official is 20 taels of silver per month. In Lan Courtyard, Second Master's share is 30 taels of silver per month, so the total is 50 taels of silver." Song Wanning wrote down the amount of silver on the paper one by one, and then said, "Second Master pays me 50 taels of silver per month, and it will take Second Master five years to pay me back."
Before Wen Tingbai could speak, Song Wanning said, "However, since you are asking for money, I can't lend it to you for free. I sent someone to ask the merchants who specialize in lending money at interest, and the annual interest on one thousand taels of silver is three hundred taels. Since you and I are husband and wife, I should give you a discount, and charge you one hundred taels for every thousand taels of silver every year."
Song Wanning wrote down the details of the loan according to the merchant's regulations, then looked up at Wen Tingbai and said, "If you agree, just sign your name here."
Song Wanning looked at Song Wanning, who was doing things in a businesslike manner, and said to her, “Wanning, aren’t you really trying to piss me off by doing this?”
Song Wanning looked calm and said to Wen Tingbai, "Second Master, don't think too much. If you want to help Auntie pay off her debt, just sign the document."
Seeing Song Wanning like this, Wen Tingbai angrily wrote his name on the list and looked at Song Wanning and said, "Are you satisfied with this? If so, just give me the money."
"Is this your attitude towards your creditors?" Song Wanning looked at Wen Tingbai and said, "If Second Master is dissatisfied with me and regrets it now, as long as you walk out of this door, I will pretend that Second Master has never been here, and this list will be invalidated."
Seeing that Song Wanning was not moved by his soft words, Wen Tingbai had no choice but to coax her, "Wanning, that's not what I meant."
"If I were your wife, you should consult with me before speaking. If I were your creditor, you should be more respectful to me. If you can't do that, just give up on borrowing money. I don't have to lend you the money." Song Wanning said, glancing at Caique beside her, and slowly said, "Find the banknote for Second Master."
Wen Tingbai now had something to ask of someone, so he could only endure Song Wanning's words and dared not say a word.
Caique handed the banknote to Wen Tingbai, and Wen Tingbai turned around and left the South Courtyard as if he was angry.
Zhuque looked at Wen Tingbai who was leaving quickly, and sighed at Song Wanning, "Grandma, you and the Second Master are husband and wife after all. Now that the fight is so ugly, I'm afraid it won't end well."
"I didn't think about living with him forever."
Ever since Wen Tingbai owed Song Wanning money, he had to hand over all his income every month to Song Wanning and he did not have a penny left for himself.
In the past, when he had more money, he could prepare some small gifts for Cui Xiaoxiao from time to time. There was not a single piece of clothing or jewelry that Cui Xiaoxiao wanted that he would not satisfy.
Things are different now. All the little gadgets from the past are gone. Cui Xiaoxiao didn't dare to get angry, but when she saw that Wen Tingbo no longer bought her anything, she became angry.
Now, Wen Tingbai didn't buy her clothes or jewelry, and he even had to eat in her courtyard. The concubine's allowance was not much, and the two of them would have nothing left by the middle of the month.
Cui Xiaoxiao looked at Wen Tingbo, who was wearing brocade clothes, and was furious. "Tingbo, can we live like this for five years? This is not a big deal."
"It's not that I want to live this kind of life, but we really don't have any money right now." Wen Tingbai sighed, "It may take five years to pay off the debts. I'm afraid this hard life will last a long time."
It is said that it is easy to go from simplicity to luxury, but difficult to go from luxury to frugality. Cui Xiaoxiao was used to a life of luxury, but now she had to live with this debt for five years. Cui Xiaoxiao felt uncomfortable thinking about it, and cried, "Second Master, you are the Second Master of the Marquis' Mansion. Everyone respects you when you go out. How come you are being controlled by that heartless and ungrateful woman? Second Master, why don't you think of a solution?"
"Xiao Xiao, it's not that I don't think of a solution." Wen Tingbai was also angry. If Cui Xiaoxiao hadn't caused those things outside, he would have been a rich and noble young man. Now Cui Xiaoxiao didn't understand her, and she even resented him.
"You were wrong about what happened outside. I've ended up like this because of you, and you're blaming me?" Wen Tingbai stood up and said angrily, "If that's the case, I might as well be thick-skinned and go to the South Courtyard to eat. At least she won't look at me with disdain."
"You..." Cui Xiaoxiao began to cry, "Have you regretted being with me a long time ago?"
Wen Tingbai didn't say anything and left the west courtyard where Cui Xiaoxiao was without looking back.
Wen Xu came not long after Wen Tingbo left. Wen Xu brought some pastries from the kitchen to see Cui Xiaoxiao. Seeing her crying, she comforted her, "Auntie, don't cry. Xu'er brought some snacks for you."
Cui Xiaoxiao only raised her eyes and didn't look at Wen Xu.
She had tried to please Wen Xu some time ago because she thought it would be helpful to have a good relationship with him. He was Song Wanning's stepson and could help her by pleading for mercy.
Who would have thought that Song Wanning didn't take this stepson seriously at all, and his words were of no use at all.
Wen Xu looked at Cui Xiaoxiao and said in a childish voice, "When can I get the toy that Auntie told me about a few days ago? The one that runs on the ground."
"There are no toys." Cui Xiaoxiao was no longer as friendly as before. She looked at Wen Xu and yelled, "Get out!"
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