【正文】 雙語:20多條妙招讓你不再負債 20080708 14:04 This is not a stepbystep guide to reducing debt. Rather, it is a collection of a lot of the wisdom I have read so far on this topic and a list of some of the things that worked for us.這并不是一個一步一步教你減少負債的指南方法,相反這是一個智慧的結晶,一個到目前為止我讀過的所有關于這個話題的總結和一個對我們有幫助的建議單。As you go through the list, I would remend sorting it out into things that will definitely work for you and things that could possibly work for you. Start implementing the things that will work for you right away and start working on incorporating the others when possible. Believe me, soon it will bee an obsession (if it already isn’t!) and slowly but surely you will be free of debt. And that feeling is worth any shortterm pain you have to go through.當你要瀏覽這份單子的時候,我建議你最好整理出哪些對你絕對有幫助和哪些對你可能有幫助。然后開始實施對你立即起作用的那些工作,同時有可能的話最好也做一些對其它有幫助的事。請相信我,很快你就會上癮(如果現在還沒有的話)并且慢慢地你會確信你已經成為無債的人。這種感覺是值得你為之承受一切短暫的痛苦的。Stop adding more debt: No kidding right? Well, if it39。s so simple why aren39。t you doing it? Think of your debt as a small hill of dirt in your back yard. To get rid of that dirt hill, you need to dig out a shovel at a time. Now imagine for every 23 shovels of dirt that you dig out, you toss 4 shovels back on. How long will it take to get rid of that little hill? Piling on more debt while you are trying to get out of it doesn’t make much sense either.不要再增加你的債務了:這不是在開玩笑吧,如果這么簡單的話你為什么不去做啊?想想你所欠的債就像你家后院堆積如山的垃圾。要想除去這座污山,你需要一次性挖走一大鏟。試想一下,你每次從垃圾中挖走23大鏟,然后你再拉回家4大鏟的垃圾。這樣下去你何年馬月才能清除掉這座小山?像你那種在還債的同時又欠下債的作法也同樣一點也不明智。Get rid of your credit cards: One of the biggest down falls that most of us have is the reliance on credit cards. Unlike spending real cash, when you charge it to a card you don’t feel the burn. So if you cannot control how much you spend on your card, then cut up your cards, leave them locked up at home, freeze them or bury them until you are out of debt. (Note: Don’t close the accounts since that can result in reducing your credit score!)杜絕用信用卡:對于大多數的我們來說,最大的敗點就是我們太依賴信用卡了。不像花現鈔,當你刷卡時你不會感覺象是在割肉。因此,如果你不能控制刷你的卡,你就要禁用你的信用卡,將它們鎖在家里,不管是冷凍還是火燒,直到你還清了你的債。(注意:不要關掉你的賬戶,因為這樣會減少你的信譽積分!)When I was in college, I went a little wild with student credit cards. I learned the hard way that I needed some control, so I froze the cards in a large pan of water. If I wanted or needed something badly enough to wait for the cards to thaw out, then it was probably worth purchasing. If not, I saved the dough. My mom still laughs about this, but I saved thousands in forgone impulse purchases. Kelly Colucci, Cumming, Ga. quote source: Kiplinger當我讀大學時,我用學生卡有一點瘋狂。我知道要采取些強硬的手段才能控制住,因此我將卡放在一大缸水中。如果我需要某樣東西急得我恨不得我的卡馬上干掉,那么我要買的東西就是值得買的。如果不是這樣子的話,我就省下了錢。我媽媽經常笑我,但我確實省掉了因沖動而可能用掉的錢。Kelly Colucci, Cumming, Ga. 來源:KiplingerChange your attitude: Like everything else in life, getting out of debt is heavily dependent on your attitude. Switch to a “Can Do” attitude. Stop giving into the victim mentality or selfdoubts of whether you can do it. Start attacking debt and don’t stop until its all gone.改變一下你的態(tài)度:像生活中其它的事情一樣,你要不再負債也大大地由你的態(tài)度決定。將你的心態(tài)調到“我一定行”上。不要再從思想上成為債奴或是自己懷疑自己能否做到。相反,你要向債款進行反攻,直到你沒了債款為止。Stay busy: An idle mind is a devil’s work shop and a retailer39。s dream. If you go to the mall just because you are bored, you are bound to end up buying stuff you likely don’t need. If you laze in front of the TV doing nothing, then the advertisers are bound to instill a yearning for something that you wouldn’t have wanted otherwise. Throwing away money to keep yourself entertained when you could be using that time a lot more productively just won’t cut it if you are serious about getting out of debt.將自己適度保持在忙碌狀態(tài)上:悠閑的頭腦狀態(tài)可以說是惡魔的天下和賣家的夢想。如果你僅僅因為無聊了就去購物中心,那你注定會買一些你不需要的東西。如果你懶散地在電視機面前無事可做,那些廣告商們又注定會一點點地挖掘出你的本來根本不想買的欲望。在你本應用這些大好時光做一些事的時候,你卻揮霍著錢來讓自己享受,這根本無法使你減少你的負債,如果你正嚴肅地思考著如何不再負債的問題的話。Change your spending habits: Do you always plan before you buy something or do you just pick things up? Do you ask yourself if you really “need” it, or justify your “wants” and keep indulging yourself? Do you spend an excessive amount of money on showing off to your friends? Take a long hard look at your spending habits and fix any short ings that you see.改變你的消費的習慣:你在買東西之前總是有計劃的呢,還是你只是隨便挑一東西呢?你有沒有問過自己是不是真的需要它或者是將自己的需求“有理化”并一直讓自己沉迷于這種快感中呢?你會不會為了向朋友炫耀而多花了錢呢?好好地抽個時間想想自己的消費習慣,并找出你認為的不好之處。Cut your spending: Can you still save some money after all of your bills are paid? For instance when you look at your groceries, can you replace some brands with generics so you can save some cash? Can you stock up during sales to save some money? How about making sure you use your utilities wisely to save on water, electricity and gas bill? Look at all aspects of your spending to pinch some more money out that you can throw at debt.減少你的開支:在你的賬單都付完了之后,你還會繼續(xù)省錢嗎?舉個例子,看看你的東西,你會不會用沒什么品牌的東西代替一些品牌貨來省錢呢?你會不會在大甩賣的時候,多買一些存在家里來省錢呢?你有沒有明智地使用你的電器來省水費,電費和煤氣費呢?看看這些消費,盡可能地擠出更多的錢將它們從你的債款中踢除。Embrace a simple, frugal lifestyle: We are in a land of excess. We believe that we need a lot of things to survive. But in reality we can get on by with very little. The more of the excesses you can trim out the sooner you will be out of debt. Yes, life will seem a bit drab without some of the indulgences you are used to. It’s your call which one you like more – temporary indulgences and sleepless nights worrying over debt, or a few sacrifices now to be free of debt issues for the rest of your life!營造一個簡單而又節(jié)省的生活模式:我們生活在一個隨時會超支的世界。我們相信我們需要許多東西來存活。但是在現實中我們只需要少許必須品就能生活下去。你減少額外的開支越多,你就越快脫離你的負債。確實,沒有了你以往的享受,生活似乎毫無生機。在這兒由你選擇你更傾向于哪一個短暫的享受但因為負債而失眠的夜晚,或少許的犧牲但輕輕松松無任何牽掛地度過剩下的生活。Always lookout to improve your current ine: The more the money you make, the more you will have left over to throw at your debt. So always look for opportunities for picking up tasks with higher mission, or over time pay or something that will result in a bonus. Take your job seriously and work hard everyday, at some point it will pay off for you.經常注意改進你現有的收入:你掙得錢越多,就越能償還你的負債。因此,經常尋找有更多傭金,有加工費或有獎金的工作的機會。認真做你的工作并踏實工作每一天,從某一點來看,你是會有回報的。Create additional sources of ine: Sometimes it is not easy to simply increase your current ine at your day job. If that39。s the case, look at means to create additional sources of ine. Do you have a hobby that you can monetize? Do you have skills (musician, carpenter, writer, etc.) that you