Money Matters, Part 2

The money borrowing business rubs to Chloe. This girl is owing money to her brother and the neighbour! She wanted to buy snacks after school and she asked the brother or the neighbour to buy. Since she does not have pocket money, she happily telling her creditors that she will pay them when she is in Year 3, i.e. 2 years from now. And the creditors agree to her terms. The debt is rising every week!