The Cost Of Living

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.

Six years after the Jennings family threw me out for being their fake daughter, I was surviving by selling my blood. I had just been handed a few bills and was about to call my doctor for more medication when a bodyguard kicked the back of my knee. My knees hit the floor, and I heard a scream. "You ungrateful brat! What are you doing here?! Are you still trying to kill Tina?!" Then, there was a slap on my face. Only then did I realize that the woman in front of me was my mother, Florence. She had come looking for blood for her precious daughter, Tina. My older brother, James, stood beside her and watched her break down. Then, he ordered the bodyguards to throw me out. He looked down at me, saw the cash in my hand, and sneered. "Looks like the past few years aren't enough to wipe that temper out of you. To think that you're willing to sell your blood just for some money to satisfy your vanity. Tina graduates in two weeks, and she'll go abroad to further her education. "Once she leaves, the family won't have to spoil her alone anymore, and you won't be able to bully her again. When that happens, I'll explain everything to Mom and Dad and bring you home. You'll still be the family's princess." "Home... Princess...?" I muttered under my breath. Then, I shook my head and laughed. My amyotrophic lateral sclerosis (ALS) had progressed too quickly. I would not last for another month. From the moment James accused me of being a fake heiress for Tina, I no longer had a home.

After receiving his bonus, my husband, John Anderson, used his savings and bought his mother a house in the city. Considering my mother-in-law, Mary Anderson’s age, it was not ideal for her to stay alone in the countryside. Hence, I transferred the money without any hesitation. However, when John went to fetch his mother for house-viewing, she appeared unexpectedly before my door. “Helen, I can understand that you feel unwell due to your pregnancy, but my husband left me so little money. I can’t give it all to you.” I was dumbfounded. Just when I was about to clarify matters, my husband called me. “Helen, Mom doesn’t like this house. The other house she likes is three hundred thousand dollars more expensive. Quick, transfer me the money. “Oh, by the way, I’m afraid Mom will feel bad about this, so I didn’t tell her the actual price. When we visit her, please don’t accidentally tell her this information. I’m afraid she’d feel embarrassed.” I touched my flat belly. “Mary, did you say that I’m pregnant?” The next second, Mary’s phone started to ring. “Mom, Helen’s feeling uncomfortable, and she wants to buy a massage chair. Please send me more money!” Mary was also dumbfounded. “Aren’t you John’s wife?”

After ten years studying interior design overseas, I came back to my hometown to do work that mattered to the people who raised me. I offered the full package, from site survey to soft furnishings. The materials were chosen by hand. The price was fair to the bone. The town had just gone through a redevelopment. Everyone was getting new units. With the new family policy, every family wanted a third bedroom too. My business was good. Customers from the next county were driving in. Then a girl just back from a city college kicked open my studio with her phone on a livestream and her neighbors at her shoulder. "This is the dishonest one. Look at her. She has been ripping the village off." "In the city, an eighty-square-meter unit can be done for twenty thousand dollars. She is charging eighty." "That's a sixty-thousand-dollar margin. Sixty thousand. Right out of our pockets." The village fell in line behind her. They demanded the difference back. When I refused, they smashed my studio. They beat me into a coma. The pile-on online killed me. When I opened my eyes again, I knew exactly what I was going to do. I would refund every single one of them. And then I would tear out every single thing I had installed. Let's see what twenty thousand dollars actually buys you.

Isla Bennett survives on poverty math and a meagre $14.22 bank balance until Gabriel Hunt, the ruthless, intelligent CEO known as The Debt Collector, acquires her $250,847.36 inheritance debt and forces her into a clinical, eighteen-month contract marriage. Told through an alternating first-person POV, this dark romance and financial thriller exposes the cold utility assessment behind a billionaire’s search for an asset chosen specifically for maximum compliance. In a world where finance is a weapon and boardrooms are battlefields, Isla is dragged into a thirty-year revenge plot against the Black Swan, a price-fixing syndicate that murdered her father in 1988. As Gabriel deploys mafia-style tactical teams and extraction protocols to protect his interests, Isla begins a weak-to-strong transformation. She evolves from a waitress who feels like breathing, walking furniture, into an interim CEO capable of executing the hostile absorption of forty-seven companies to dismantle her enemies. Behind the silk dresses and staged performances of a perfect couple lies a lethal game of medical hostage taking and manufactured stress tests designed to prove whether she is Option Zero, the only variable that will not break. From the glass towers of Manhattan to the remote Morrison Estate, the bought variable must choose between the $4.7 billion profit of a ghost and her own sovereignty.

When I was at my absolute poorest, I got sucked into some kind of survival game. The challenge was to survive 7 days on just 50 dollars, and the winner would walk away with a million dollars. As someone who might as well be certified as a professional at being broke, I knew exactly how to survive on next to nothing. That prize money had my name written all over it.