Does Saving On A Shoestring Explain How To Reduce Debt Quickly?

After Isabella is kicked out of her own home by her scheming stepmother and stepsister, she's left feeling lost and betrayed, with even her ex-fiancé turning his back on her. But fate throws her a curveball when she comes across an injured stranger and reluctantly decides to shelter him. Little does Isabella know, this Mr. Vagrant is a big shot in the city. But... this man she saved loved spending money so much that she almost went broke!

My mother-in-law is extremely frugal. She reuses paper others have discarded, carefully saving the unmarked portions. She even takes the black waste oil from the kitchen range hood and uses it to cook our meals. She says, "Frugality is a virtue—it brings blessings!" I try tirelessly to convince her otherwise, throwing out all her filthy items to protect my family's health. But while she praises me to my face, behind my back, she uses my baby's food scissors to clip her grimy toenails. My child eventually dies of a lung infection, leaving me heartbroken. My mother-in-law, however, points her finger at me, saying I'm unlucky and that I've brought misfortune to their family. Even my husband blames me. In the end, they use a knitting needle to pierce my throat and stab me to death. When I open my eyes again, I find myself back on the day I first see her picking up dirty paper. The first thing I do is hide all the high-quality tissue paper I had stocked up on before my pregnancy, pretending I knew nothing. She calls these blessings, right? Fine. The blessings of this miserly frugality—she can reap them all herself!

I was the stingiest rich wife in the city’s high society. I did not spend money on beauty treatments or travel. In fact, I did not even own a single decent outfit or a handbag. Everyone laughed at me. They said I had the fortune of a wealthy family but not the luck to enjoy it. However, what they did not know was that behind closed doors, Arvid Hans, who was famous for his lavish spending, was a hundred times stingier than I was. He piled on gold and jewels to keep up appearances in public. However, with me, he was a miser, refusing to spend a single extra penny. We split every expense down to the last penny. Every meal and every prescription required a receipt and an entry in the ledger. He said this was to help me develop a business mindset. He said that fairness and caution were the keys to a lasting relationship. While other wives were decked out in expensive jewelry, I was dressed simply. He said I was naturally beautiful and did not need such trinkets to enhance my looks. Even our housekeeper was hoarding gold for investment. Yet he kept me from touching a single penny, citing the Hans family’s tradition of being frugal. For three years of marriage, I lived like a devout nun, strictly adhering to the “rules of frugality” he had tailored for me. It was not until Christmas Eve, when I returned a day early from visiting my parents, that I discovered someone else had been living the life of luxury meant for me.

To afford train tickets home for New Year's Eve, I searched for a part-time job and stumbled into a livestream that was practically throwing money at the chat. A young woman in a silk robe rested her chin on her hand. Behind her, a villa glowed under expensive lighting that reflected off polished marble floors. "Being kept in here is suffocating," she said in a voice that mixed boredom with sweetness. "My sponsor gives me more money than I can spend. Help me out. Take some off my hands." Cash drops flashed across the screen one after another. I tapped as fast as I could, my heart hammering. A few large ones landed in my account. I was close. One more would cover both my ticket and my boyfriend's. The streamer leaned closer to the camera. "He keeps saying my tear mole looks like his girlfriend's," she said, her mouth twisting with disgust. "So unlucky. Of all things, I had to match with some broke girl." My finger slipped. I had a tear mole under my eye in the same spot. The live chat flooded with questions. [How is the sponsor's girlfriend broke?] The streamer gave a short snort and reapplied her lipstick, as if correcting a minor flaw. "He's just messing around. He tricked her into 200,000 dollars in debt. She's so stupid she works multiple jobs to help him pay it off." A chill settled in my chest. My boyfriend also owed 200,000 dollars. She continued, her tone light, "The funniest part? He slept with me for three days. When he left, I asked if he was giving her a taste of honey." She smiled cruelly. "He said all he has to do is claim he's going to work a construction site hauling rebar. The idiot will feel guilty and deliver food all night. So he won't need to please her." Another large cash drop flashed across the screen. The total reached the exact amount I needed. My phone rang. Benjamin's name lit up the display. When I answered, his voice sounded worn down, as if it had scraped against concrete. "Via, we still don't have enough for the tickets," he said. "I hauled rebar and made a little over 40 dollars. I'm heading home now."

After my family is burdened with a debt of 5,000,000 dollars, I become the only person in the family who can no longer afford to "die". Dad is trampled in the mud by our creditors, protecting what's left of my school tuition fees even if it means breaking his fingers. He roars, "You can hit me, but don't you lay a finger on my daughter!" At that moment, Dad's small, hunched figure becomes a debt that I can never repay in my lifetime. Meanwhile, Mom kneels before the creditors, grovelling in the mud as she begs for a few more days of grace. Burdened by Mom and Dad's love for me, I drop out of school and go to work at a factory to make as much money as I can as quickly as possible to pay back the debt. Ultimately, my landlord kicks me out of my lodging on Christmas Eve. I'm also sporting a high fever in the snow, but my wages from the factory are still unpaid. I call Mom and beg her to transfer just 50 dollars to help me out. However, she doesn't sound concerned or anxious on the other end of the line and utters in disgust, "Haven't you gotten your wages already, Carolyn Swanson? "How dare you lie to us? Who taught you that? If you can't afford to buy the meds for your so-called fever, then you might as well just die!" Then, she hangs up on me cruelly. I grip my phone in my hands, watching the snow falling from the sky. My hands feel even colder than the icy ground at this point.

My husband, Theo Hudson, is known for being very frugal. After marrying him, my only hobby is to keep buying branded bags, just to get back at Theo for being extremely stingy with his money. When our son, Oliver Hudson, is seven years old, he has successfully inherited the tendency to be overly frugal from Theo. Both father and son look very out of place in the sprawling manor. I, on the other hand, love wearing anything from the haute couture selection of the season while admiring the heartbroken expressions on Theo's and Oliver's faces when they see the bill. But one day, live comments begin streaking across my eyes. "Wait, this wasteful woman is still splurging on bags? Does she have no idea that her husband's company is about to file for bankruptcy?" "The poor male lead has already worn his T-shirt so many times to the point it's starting to fray just to sustain that vampiric wife of his! Thank goodness the female lead, who's brilliant with finances, is about to enter his life!" "I shall wait for Theo to bring up divorce and kick that useless hag who does nothing but spend his money out of his life! Let's see how she's going to fight for scraps with the strays beneath the bridge in the future!" I'm so shocked that I hurl the limited Hermes bag I was clutching in a random direction. Unfortunately, Theo, who's crouching on the floor while opening the packages for me, and Oliver, who's flattening the boxes by stomping on them, get hit by the bag. Scared out of my wits, I quickly snatch the cardboard from Oliver's hands and hug it tightly. "I… I'm not buying these bags anymore! Let's get a refund! But keep the cardboard boxes and don't sell them! I… I want to use them as makeshift mattresses for when we're about to sleep under the bridge in the future…"