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　　Chongqing Yunyang County is situated at Three Gorges Reservoir Region intimate region and Chongqing state-level poverty stricken county. Seven mountain water two divide up land, is to the true picture of this county.　   　　70 ages end, I am born on this county\’s such and such town such and such mountain summit village, the parents to work at farming to support the family of four person. In the village has an only elementary school, is my alma mater, altogether 3 classes, 3 teachers. Teachers all versatile, language, mathematics, nature, sports and music all wrapped. The elementary school graduated that year to pass an examination muddleheaded has been apart from our village 15 kilometers junior middle schools, entered the middle school the first day let me broaden the outlook, this school was how so big, enough had high-school 30, high school class 10, I have not seen a such big school, in the heart secretly rejoiced at the same time set firm resolve to go out of that mountain. Therefore three years junior middle school studies is very relaxed, tests all first 5 is very relaxed matter. Has tested glaring, tests the examination place unexpectedly in leaving the middle school nearly 60 kilometers counties, perhaps is the destiny arrangement, I have not passed an examination at that time me to long for even in dreams unexpectedly the specialized middle school (in age then, a rural baby can pass an examination specialized middle school is very great matter), was muddleheaded has actually passed an examination in the application form my casual filling in Yunyang County middle school. After entering the high school, I knew that this middle school is the entire Yunyang County best high school, in the heart is satisfied happily. Three years high school learns from me very diligently, but the result has been average, to has gained finally only admission to a Chongqing Shapingba District\’s third-class University, what studies is in the civil engineering to the water and dewatering excavation, primarily studies the construction to give the draining water design and water works design and so on, certainly also some construction aspects knowledge.
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　　In July, 2001, the university has graduated finally, provides in the school at the supply and demand conference I with from some Sichuan northern small and medium-sized town and cities (later word general designation am the A city) a state enterprise has signed the contract, the contract period 5 years. Under this state enterprise has a department calls XX construction design institutes (in local fame is not small), very natural I became this building design institute to the draining water designer, guarantees a minimum the wages 600 Yuan (to succeed in obtaining, usually provides welfare excluding unit), will have by the end of the year also deducts a percentage, more pay for more work. To 2003 the end of the year, after taking the year\’s end to deduct a percentage in an instant, I discovered that I have one very considerable deposit (not to be actually many, besides also ended me to read outside foreign loan 28,000 Yuan which university owed, more than 60,000, did not have means that in family condition is not good, studying expenditure helded responsible friends and relatives to borrow, thanked them in this). In the evening, I took this more than 60,000 cashes to lose sleep, how to use this money? My this whole life has not seen these many money. After several day-long ponder, sends the extant bank not cost-effective (I not to save bank actually regular). Finally discovery unmarried my anything does not miss on a difference girlfriend and a house, but the girlfriend must look at the fate, that buys a house! The heart movement is inferior to move, is Man Cheng rushes about to look at the house, because go to work in the design institute, naturally looked that house this was simple . Moreover the house in this city basically was our design institute\’s work. Several estates looked that down, contrast screening contrasts again, thought is quite appropriate to a unit recent estate I. This estate remaining household area are very but big, the total price are least also wants 120,000, (unit price 850 Yuan/square meter, area 144 square meters). But my deposit to 120,000 also misses more than 50,000, moreover can also pay such such tax? (At that time thought that bank loan is not cost-effective, bank interest is too high, does not want to work to bank) afterward I found the developer boss, with him discussed that in does not loan and how does not ask the friends and relatives to lend money in the situation to purchase homes in his here, has not thought that the developer boss agrees with me unexpectedly by stages the repayments, moreover is without interest, divided for 2 years to pay off (thanks this developer boss here). Like this I had a set to belong to my housing truly. In the second half of 2004 handed over the room, after handing over the room, repaired immediately, three months later moved, moved for 1 month later (wife is purchases homes after the marriage soon knew). After the marriage some time developer\’s spare money settling account.　　   　　To 2006, the new home also has lived in an instant the similar 1 year. At this time suddenly thought that this A city I did not like (development falling behind, geographical position remote), was not interested to the work of unit (dully, business scope was too narrow). In other words I had jump nest\’s idea, said that jumped jumps, that quickly accessed the net to look for the work, the network is really too mysterious, searched casually comes out tens of thousands of employment advertize card. Then looked for several to be appropriate I the company to send my careful preparation resume, has not thought that night had several companies to answer let me interview. I carefully chose a job site in Shanghai, the headquarters in company in Beijing (the present am a A stock listed company). I also specially chose May Day to go to Shanghai, mainly on the spot had a look at the unit situation as well as contacts leads (has not met pyramid scheme organization fortunately, ha-ha). The interview is quite satisfied, the monthly salary 2500 (just started quite lowly), at the end of the year according to deducting a percentage computation, more pay for more work. Then, a chapter of A city has presented the resignation to the original unit.   　　Then, in 2006 in mid-June arrived at Shanghai to go to work officially. To February, 2007, in these 8 months, I always thought own laborious repair that wrapped the house in A city to empty too has been wasting, oneself have not been able to obtain enjoys, what instead lived in Shanghai was the dormitory, the life is too difficult. Then can sell the A house in city has paid to pay in Shanghai? Quickly discussed with the wife that starts wife certainly not to agree, said with great difficulty had a set to belong to own house, has not loaned, sells was not cost-effective. Does ideological work after me to the wife, wife with great difficulty reluctant consent. Good, in March started in Shanghai looks at the room, from Zhabei to Hongkou to Baoshan, looked at more than 20 estates again, any water wooden time passage and Shanghai Zijin city and valuable Chinese modern city and sunlight prestige putty ripped, vast Yun Huayuan and so on to look, these estates at that time about 10000 Yuan/square meter. Until April, 2007, appears located at the loop line nearby big Hua estate in front of me, even price 7800 Yuan. Right, was he, the price was also just, the geographical position may also accept. Chooses room after one day-long lining up, waits to be one\’s turn me to choose the room the time, remaining only set of two-bedroom apartments and north and south have only passed household. Hesitating for nearly a half hour later clenched teeth to pay 20,000 Yuan earnest moneys, unit price 7650 Yuan/square meter, the area 97 square meters, to lighten the burden of later life, has chosen 25 years mortgage specially, the month supplied about 3200.　   　　The earnest money has handed over, over the next two weeks must fully pay the first payment, otherwise must eat the fine for delayed payment. But hasn\’t my A city that house sold? On the May Day, to the leadership please 3 sky-high prices, have sold the room using May Day that 7 days fortunately immediately again, uses three days of assistance buyer to go through the formalities again, all these defer to the plan to carry on smoothly. Huang Tian does not lose the person with high aspirations, finally by 260,000 total price deals. This 260,000 add on the earnest money 20,000 on, when Shanghai\’s head paid. (Said while convenient A city\’s house price also rises now to more than 3000, bought my house that my dear friend also to make money)   　　In June, 2008, handed over room, underwent 3 month-long repairs, moves in October, 2008, the deed tax added the repair funds to spend my 120,000 Yuan cashes, that was the hard-earned money, loved dearly.　　   　　The time is in November, 2009, moved in new home in Shanghai 1 year to have -odd, all feelings were good, the life did not have the feeling tremendous pressure, bank\’s deposit day-by-day is also increasing, now the only hope is the plot matching facilities follows quickly, Line 7 quickly was open to traffic, later will be good to sell a good price.   　　Recalled when 2001 to present\’s these eight years time, I experienced from going into debt 28,000 (studied owes) to the deposit 50,000 arrived to owe the developer 60,000 to arrive again to have a Shanghai house again, although also loans at present 440,000, but the month supplied 3200 is very relaxed. What is more encouraging was I am at the estate to rise from the unit price 7800 Yuan to present\’s 16000 Yuan, will have very big rise space in the future.   　　Finally later finance   　　At present family financial circumstances:   　　At present family fixed asset: The fund 20,000 Yuan (estimate loses money 15%), the stock 50,000 Yuan (estimate loses money 20%), the current deposit 50,000 Yuan (momentarily possibly enter stock to add warehouse), the A city parent unit will enter the share of stock 12,000 (estimate to return over the next half year with me), the Shanghai Present Unit 07-08 years will deduct a percentage 110,000 (succeed in obtaining in next about 1 year).　   　　Lends money the situation: Lends my elder sister family to buy the house 3.1 (to remember that was not too clear, probably is 30,000), lent the schoolmate 0.5 (to say in June, was the present in November); When Shang Qian the present unit 1.1 (Shanghai purchased homes lent my, this was also leads a good intention), owed the male cousin 2.1, at present lends money the basic balance.　　   　　Income: My basic month receives (wages which 5200 Yuan this is succeeds in obtaining, real wages are 6000 Yuan, 800 Yuan paid society and personal income tax), the year\’s end deducted a percentage 80,000 (according to previous 2 years deducting a percentage mean value computation), other income 1.1 Yuan/year (usually did overtime pay which in outside a personal work and unit usually sent or celebrate a holiday to spend and so on).　   　　My wife: The month received 3200 Yuan, the year\’s end sends one month bonus (to compare when the A city each month 1000 wages Gao Duo).   　　Disbursement: The bank month (the later each month reduces approximately 6 Yuan for 3200 Yuan, almost ignores), family living expenses 2000 Yuan (Bao Kuoshui, electricity and property Fei Dengdeng). It is estimated that the child spends 2000 Yuan/month, will ask the human to bring child 1000 Yuan/month (child in next March birth). Was filial piety parental 600 Yuan/month (to implement from June, 2006 actually, parents in native place, they have not been willing to come big city life now).　　   　　Future plan: Does not have the accident, by the present situation, 3 years, will end also all bank loans. But my idea ahead of time does not repay, this money may be used to invest or to buy car and other expenses. As for the family member future safe question, I thought that waited for us to arrive at 40 years old to say again, gets married and begins a career now time.　   　　Among this also had many good and bad in life I not to want one by one Ao Shu, came out the person as a countryside, believes that later did not have what difficulty to baffle my, believed itself, in the future certainly will be happier.   　　Small summary:   　　1. the university just the graduation do not aim too high, actually the western small city also very much has the future, might as well after learning certain ability, is arriving at the coastal big city to rush.　   　　2. initially a to company, do not dislike the wages to be low, the boss must have a look at your job performance to you bonus.　   　　3. what takes several hundred thousand and even over a million white-collars in the Shanghai big city like this are many, we with them compared, we only do not strive to be better than today tomorrow.　   　　4. as man, sometimes on profound one abundant, not abundant has not harvested.
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