Soooo, I forget where I found this novel, it should be in jjwxc though. The ML is a poor guy and the FL is a poor ghost. ML needed money and so did FL. As a poor ghost, FL was miserable. If I'm not wrong, FL tried to scare ML but ML proposed a cooperation instead. It seems like they worked as exorcists. Soo, if anyone knows this novel, please help meeee
This definitely is not the answer you are looking for but your plot sounds very similar to the Korean drama Bring It On Ghost or Hey ghost let's fight based on a webtoon of same name.
Lol, I remember watching it until Kim So Hyun got amnesia after she was put back in her body. Haven't continued it since. I think I stopped because of the bad website