A Transactional Mom: I Collect Payment Ten Years Later Novel Cover

A Transactional Mom: I Collect Payment Ten Years Later

8.8 / 10.0
In A Transactional Mom: I Collect Payment Ten Years Later, Emily endures a childhood of paid chores and medical debt. This modern novel follows her escape from her mother's greed. Read this online novel to see the ultimate debt collection when the tables finally turn.
A Transactional Mom: I Collect Payment Ten Years Later Summary
Emily grew up under her mother’s strict quid pro quo rule, earning pennies for chores while her brother was spoiled. After collapsing from malnutrition and being told her medical bills would be deducted from her future wedding gifts, Emily realizes her mother’s love is purely financial. She cuts ties and builds a life away from her toxic family. Ten years later, her mother returns, penniless and betrayed by her son, only to find Emily ready to charge her for every meal.
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A Transactional Mom: I Collect Payment Ten Years Later Chapter 1

My mom has been brainwashing me with her "quid pro quo" rule. Apparently, I must work hard in earning money just to get whatever I want.

A round of doing the dishes earns me 50 cents. Mopping the floor once grants me one dollar. If I get a full score in my exams, that'll be five dollars.

In order to buy a pair of white sneakers that I had had my eye on for a long time, I spent three months picking up trash from the streets.

I lived like a maid who was paid on one-time services in this home.

When I was a high school senior, I fainted during my homeroom period due to long periods of malnutrition.

Even though my doctor suggested to my mom to pay attention to my nutrient intake, she began calculating the costs in front of my sick bed instead.

"Your hospitalization costs 300 dollars. On top of that, you have a 200-dollar medical bill to settle. All of these costs will be reflected on your wedding gifts in the future, Emily."

But when I turned my head, I saw a student sitting on the bed being fed chicken noodle soup by her own mother. Said mother was so heartbroken by her daughter's illness that she kept shedding tears as well.

At that moment, my outlook on the world, that I had been maintaining for 18 long years, finally crumbled into dust.

It turned out that not all children needed to work hard just to feel their parents' love.

After getting discharged from the hospital and returning home, I finally sobered up the moment I noticed the sneakers that my younger brother, Arnold Baird, wore that cost several thousands of dollars.

Then, I tore the family portrait into pieces and didn't hesitate to fill in the university that was located the furthest from home when it was time for me to submit my post-graduation details.

Ten years later, my mom calls me on the phone. She starts crying to me how Arnold has swindled her out of her pension. Apparently, he's even sold the house just so he can elope with his girlfriend.

Not only is my mom alone now, but she doesn't have a place to stay as well.

I just smile as I throw her a piece of rag.

"You want to live with me, huh? No problem. You'll earn 50 cents for every window you wipe. You can earn your rent like this."

The sharp sting of disinfectant pierced my nostrils, and only then did my consciousness slowly return.

The first thing I saw was Mom's face. It was colder than ice.

"You're awake?" She didn't even look up; her fingers were busy tapping away on a calculator.

"The doctor said it's nothing serious—just low blood sugar and malnutrition. The hospital stay was 300 dollars, the tests were 180 dollars, and the medicine was 120 dollars. Emily, I'll cover this for you first."

Mom finally looked up and turned the calculator screen toward me. It displayed a stark 600.

My lips were so cracked that I couldn't utter a single word.

During morning class, I had been memorizing Anglune vocabulary when the world went black and I collapsed. Right before I lost consciousness, my last thought was that this month's perfect attendance bonus was gone.

That was my reality. To motivate me to study, Mom had set a rule—if I wasn't late or absent for a full month, I'd receive a reward of 50 dollars.

But that 50 dollars wasn't even one-tenth of the hospital bill she'd just tallied for me.

"Mom…" I struggled to sit up.

She frowned and shoved me back down. "Don't move. If you break the equipment, we'll have to pay even more."

Just then, a gentle, doting voice drifted over from the hospital bed next to mine.

"Drink slowly. Don't burn yourself. No one's going to take it from you."

I turned my head and saw a girl around my age. Dressed in the same school uniform as me, she was leaning against her headboard. Her mother held a thermal flask, blowing on a spoonful of chicken soup to cool it before feeding her.

"Mom, I'm not a kid anymore. You don't have to feed me like this," the girl said, looking a little embarrassed.

"No matter how old you are, you're still my daughter." Her mother wiped her eyes with the back of her hand, her voice thick with tenderness. "Look at your pale little face—senior year has really done a number on you.

"Once you're home, I'll make you nourishing soup every day. Studying isn't more important than your health. If it comes down to it, you don't even have to take the SATs. I'll take care of you for the rest of your life."

The girl smiled, her eyes glistening.

I stared at the steaming bowl of chicken soup, and my stomach twisted with bitter sorrow.

Growing up, I never had chicken soup. Even a simple boiled egg required a "chore coupon" to earn.

Sweeping the floor earned me one coupon; doing the whole family's laundry earned me three. Each coupon was worth 50 cents, and one boiled egg cost two coupons.

That was Mom's "quid pro quo" rule.

In this house, love was a luxury—something that had to be purchased at a clearly marked price.

Seeing me staring fixedly at the neighboring bed, Mom curled her lip.

"What are you looking at? She's a princess born with a silver spoon, but you were born worthless. If I don't make you work for it, who's going to put food in your mouth?"

Her words stung like poison, hitting me right in my most vulnerable spot.

The mother and daughter in the next bed fell silent instantly, casting sympathetic glances my way.

So, I was born to be a piece-rate laborer. And yet, a maternal love that was unconditional—that asked for nothing in return—truly did exist.

I slowly closed my eyes, forcing back the tears.

I looked at Mom's harsh, self-righteous face and said calmly, "Mom, don't worry. I'll pay you back every single cent of that 600 dollars. I'll pay back everything you've spent raising me for the last 18 years too."

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A Transactional Mom: I Collect Payment Ten Years Later of Contents

Ch. 1 Ch. 2 Ch. 3 Ch. 4
Ch. 5
Ch. 6
Ch. 7
Ch. 8
Ch. 9
Ch. 10
Ch. 11
all

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