booktalesy Chapter 42 The "Troubles" of Spending Money, Daily Spending Rate 1%
Chapter 42 The "Troubles" of Spending Money, Daily Spending Rate 1%
For the next week, Zhou Lang and Su Ying'er spent their days together and went home separately after dinner each night, but they would video call each other in their bedrooms until they fell asleep.
That evening, Su Ying'er, in high spirits, invited Zhou Lang to dinner to share her joy, saying that she had finally saved up 300,000 yuan and her Alipay account had changed color.
After arriving at the private kitchen club he had booked, Zhou Lang took the opportunity while waiting to process the spending limit generated by his savings account.
[The host's Alipay account has been detected to meet the requirements for Cash Power; a credit limit of 5000 yuan has been issued today.]
[This week's total available credit: 30000 yuan. Please use it in a timely manner.]
Su Ying'er's financial power transformed him into a spending expert.
Once your deposit reaches the cap of 500,000, you will receive a 1% daily bonus, which will be cleared weekly.
The moment I open my eyes in the morning, I have to think about how to spend my daily 5000 yuan.
From worrying about how to save money on a monthly salary of 5000 as soon as he opened his eyes, to now being urged to spend money in large sums, Zhou Lang has truly undergone a complete transformation.
Last week, he used his accumulated credit limit of 35000 yuan to buy his younger sister, Zhou Xixi, an entry-level ROG computer as a gift for her college entrance examination; and then he spent 5000 yuan to buy two DJI cameras to make his classmate, Su Ying'er, happy.
With 2 yuan left, he asked his sister what kind of mobile phone she liked. Zhou Xixi hesitated for a long time before saying shyly that her friends preferred the Apple brand.
So Zhou Lang originally planned to buy two iPhone 17 Pro Max phones from the Apple official store, one for him and one for his sister.
The 256GB version is priced at 9999 yuan, which just used up the remaining 2 yuan credit limit from last week.
However, when I saw that Momo from the gym was also using 17PM, we chatted for a bit. Momo didn't recommend buying the 256GB version, because even if you have an Android backup phone, the memory will fill up quickly after a year or two. So she recommended starting with at least 512GB.
"Mr. Zhou, if you don't mind missing out on a few hundred yuan in discounts, it's still the most worry-free option to buy from the official online store. It's factory direct, absolutely genuine, and returns and exchanges are accepted."
So Zhou Lang simply placed an order for a top-of-the-line 2TB model for 17999 yuan.
With the remaining 2000 yuan, he browsed around the official online store and chose a pair of active noise-canceling headphones, AirPods Pro 3, for 1899 yuan.
With only 102 yuan left in his credit limit, Zhou Lang hesitated for a moment. Apple's official website accessories were ridiculously expensive, with phone cases starting at four or five hundred yuan.
He didn't have many options left.
Incase lanyard for 98 yuan;
Two pairs of earplugs for 79 yuan;
A USB-C to 3.5mm headphone jack adapter for 67 yuan.
Finally, I looked at the adapters. The more mainstream brands, such as UGREEN, cost around 30 yuan. So, buying the official one for 67 yuan would be somewhat useful, so I placed the order.
……
I happily used up last week's credit limit, but this week's 35000 yuan is about to "trouble" Zhou Lang again.
"How should we spend it?"
Zhou Lang prefers to use this week's allowance to take care of his family first, and then he will buy new things for himself starting next week.
He exchanged the 5000 yuan from the first day of this week for shopping cards from the largest supermarket in Xiashan County. He bought cards with a face value of 5000 yuan and received an extra 300 yuan as a gift.
The 5300 yuan in stored value is enough to buy daily necessities for the family for a long time.
There is still a remaining equity quota of 30000 yuan.
"Xixi, I asked you to find out what kind of cell phones our parents like the other day."
"Ask them, bro. They didn't say anything at first, thinking that a phone costing one or two thousand yuan was enough for them."
Zhou Xixi laughed on the phone, "Your little sister is so clever. I overheard them bragging to their neighbors and relatives after drinking, and that's how I found out that Mom and Dad still really value Huawei's folding screen."
"It's a kind of hard currency among middle-aged people, which is understandable." Zhou Lang smiled. Anyway, it wasn't his cash that was being spent, so a higher premium didn't matter. It was just to make his parents happy.
[Should we designate "Huawei Official Flagship Store (Taobao)" as the store offering today's benefits?]
"Yes."
I used this week's credit limit to buy my parents new phones.
Zhou Lang felt ashamed. He had been working for four years and it was only natural that he hadn't asked his family for living expenses. However, he had been unable to help support his family. His parents had been using the same cell phone for many years and were reluctant to replace it. He also couldn't spare any money to give his parents something in return.
Two Huawei Mate X7 dual-folding screen phones. Huawei's top-of-the-line horizontal dual-folding flagship phones, apart from the Master series, are among the most expensive.
16G+512GB，14999元×2=29998元。
Zhou Lang also took the opportunity to glance at the most expensive MateXTs Extraordinary Master, which starts at 19000 yuan for the mid-range 512G version.
He could only click his tongue in amazement, thinking to himself that the pricing was really high-end, and if he bought two at once, his weekly allowance wouldn't even be enough.
Once the credit limit is used up, work is done.
Zhou Lang even found it quite interesting to think about how to spend 35000 yuan every week...
Thinking of this, he couldn't help but laugh at himself. Of course, who would find it boring to just spend money!
Having bought Huawei and Apple phones for his family, Zhou Lang thought with a wicked sense of humor that if he were to buy a phone for himself, he could buy an Oppo, Vivo, or Xiaomi.
He's not interested in the propaganda wars among mobile phone brands; they're just tools. He'll buy whichever one he finds convenient to use.
In this way, the whole family can have Apple, Android, and HarmonyOS all at once. When they walk down the street, they won't have to worry about crazy people rushing up to them and calling them "traitorous dogs," "Apple believers," or "Mi monkeys"...
The address should be your home in the township, and the recipient should be your younger sister, Xixi.
After everything was set up, the "owner" of the savings account's money power, the pure and innocent sports student Su Ying'er, happened to arrive here and appeared in front of Zhou Lang with a "whoosh."
"What's got you so excited?" Zhou Lang asked knowingly, then gently stroked her nose and pinched her cute little cheek.
After a week of spending time together, some ambiguous physical contact and subtle gestures gradually began to unfold.
Su Ying'er showed Zhou Lang the Alipay interface on her phone, which had changed color: "Ta-da! Didn't I share the joy with you in advance? I'm now a VIP Wealth Black Card user too!"
"Oh? Congratulations then, it's definitely worth celebrating," Zhou Lang coaxed her.
"Actually, my sister transferred 3000 yuan to me for living expenses, saying it was to help me have a good time during the holidays and not be stingy and reluctant to spend money."
Su Ying'er giggled, "Brother, the stir-fried pork belly with matsutake mushrooms at this restaurant smells amazing! It's on me today, no one's allowed to try and pay the bill!"
"Okay, spend it wisely."
Zhou Lang suggested, "If we're going to work together during this time, I'll pay the bill."
If you feel bad about it, then let's just call it splitting the bill.
But you can treat others to your share later when your spending is more sustainable and your savings don't fall below 30.
"Hehe, okay, bro, I'll definitely pay you back!"
Su Ying'er was still basking in the small joy of her Wealth Black Card changing color when she placed her phone in front of Zhou Lang's eyes: "Yesterday's income was a whopping 8.65 yuan!"
"That's enough for a cup of coffee!" Zhou Lang feigned surprise, but in his mind, he was calculating just how incredible the money in his savings account was.
Su Ying'er has 30 yuan in savings. Currently, the annualized rate of return on Yu'ebao is about 1%, which translates to about 8 yuan in interest per day.
If Zhou Lang deposits 50 yuan, his savings account will activate its cash power, with a daily conversion rate of 1%, giving him a daily benefit of 5000 yuan!
If we convert this to the normal interest rate given by Yu'ebao (Alipay's money market fund), then Zhou Lang's savings would be equivalent to 180 million yuan!