Basic math question : multiplying two negative numbers

This is going to be a really basic question. I had pretty good grades in math while I was in school, but it wasn’t a subject I understood well. I just memorized the rules. I know multiplying two negative numbers gives you a positive number, but I don’t know why or what that actually means in the “real world”.

For example: -3 x -4 And the -3 represent a debt of $3. How is the debt repeated -4 times? I’ve been trying to figure out what a -4 repetition means and this is the “story” I’ve come up with: Every month, I have to pay $3 for a subscription. I put the subscription on hold for 4 months. So instead of being charged $3 for 4 months (which would be -3 x 4), I am NOT being charged $3 for 4 months.

So is that the right way to think about negative repetition? Like a deduction isn’t being done x amount of times, which means I’m saving money , therefore it’s a positive number?