【正文】 d 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(fèi)的習(xí)慣:你在買東西之前總是有計(jì)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(gè)時(shí)間想想自己的消費(fèi)習(xí)慣,并找出你認(rèn)為的不好之處。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(gè)簡單而又節(jié)省的生活模式:我們生活在一個(gè)隨時(shí)會超支的世界。但是在現(xiàn)實(shí)中我們只需要少許必須品就能生活下去。確實(shí),沒有了你以往的享受,生活似乎毫無生機(jī)。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(jīng)常注意改進(jìn)你現(xiàn)有的收入:你掙得錢越多,就越能償還你的負(fù)債。認(rèn)真做你的工作并踏實(shí)工作每一天,從某一點(diǎn)來看,你是會有回報(bào)的。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 can use to get some part time gigs? Do you have puter knowledge that you can use online? Creating additional sources of ine not only helps you get out of debt but provides you with better cushion to survive through primary job loss.給自己創(chuàng)造額外收入來源:有的時(shí)候,你要想簡簡單單地在工作上增加現(xiàn)有的收入,那是不容易的。你有沒有什么特長對你的賺錢有用呢?你有沒有什么技能(音樂家,木匠,作家等)能幫你賺一些兼職費(fèi)?或你有沒有什么電腦技術(shù)能在上網(wǎng)時(shí)用?制造你額外收入的來源不僅幫你走出負(fù)債,還能為你提供一個(gè)更好的緩沖物可以抵消一點(diǎn)你現(xiàn)有的工作損失。如果預(yù)料之外的事發(fā)生了,或是你不得不再借一些錢,那么你還債的路程就更艱辛了。確保你每次按時(shí)付賬單。反復(fù)多次使用你所有的信用卡,然后將你全部的貸款放在提供最優(yōu)惠利息的卡上。再一次申明一下,不要關(guān)掉你付款的信用卡,這樣會降低你的信譽(yù)積分!Make a budget: A budget is not really that difficult to make or follow. You don’t need fancy software or tools, just a simple notebook and pen, or a trusted spreadsheet program. List all your recurring bills like rent/mortgage, groceries, utilities, bills and put a limit on it. Then create a category for miscellaneous expenses to cover what you cannot plan for and an indulgence category. If you don’t have enough for paying towards debt, tweak and tune these categories, until you find enough.學(xué)會使用預(yù)算:預(yù)算并不是真正地難以使用。將你經(jīng)常會用到的賬款如租費(fèi)/抵押費(fèi),商品費(fèi),日常生活費(fèi)用,賬單列在一個(gè)目錄上并給這些消費(fèi)加上一個(gè)最大限額。如果你認(rèn)為你沒有能力來付這些款項(xiàng),那就修改你的目錄,直到你有足夠的能力來付這些款。我從來不買垃圾袋。我不在乎誰說我這是便宜貨這確實(shí)幫我省了錢也是讓我減少對環(huán)境損害的一個(gè)小方法。由于那些是比較小的垃圾袋,我能夠更有規(guī)律地將它們及時(shí)清理干凈,減少它們在廚房的逗留時(shí)間。大聲地說出來對你的配偶,家人或你的朋友。就用它!創(chuàng)建一個(gè)博客然后見證你的成功。從來沒有什么像來自一群你沒遇見過的陌生人的鼓勵(lì)那樣讓你如此著迷。你可以從以下幾個(gè)博客開始:Blogging Away Debt、No Credit Needed、The Simple Dollar。Surround yourself with the right type of people: If you are surrounded by people who keep spending, then it is difficult to get out of the consumerist mentality and slip into the more sensible mentality of living within your means. This may mean changing friends or keeping your distance from those that influence you negatively. It is a very difficult tip to follow, but a necessary one, if you want to really get out of debt.讓自己的生活圈子里住滿“正確”的人:如果你周圍的朋友全都不停地在花錢,那你很難從消費(fèi)的心理狀態(tài)中清醒出來,也很難進(jìn)入到更明智的生活方式之下。這條建議很難做,但又很必要,如果你是真的想要擺脫債款。If something is available for free, don’t pay for it. Throw the money at your debt instead! If you can take public transportation to get around, skip the driving. Better yet, ride your bike and get a little workout at the same time. At the end of the month you may have used one less tank of gas. Make sure you bump up your debt repayment by that amount. It may not seem like much, but over a course of time, this can add up beautifully to free you from debt a lot sooner.如果有的東西可以不要錢,那就不要付它,而讓這些錢花在償還你的債務(wù)上!如果你可以用公共交通工具去某個(gè)地方,那就不要開汽車。在月底你用的汽油就可能少于一油箱。這看起來似乎不太多,但長時(shí)間下去,你就可以完美地并更快地償還所有的債款。如果你只是一味地每次償還最低量,那你直到老的那天才會還清所有的債。例如,你信用卡上欠了1000美元,你僅付最低量,大概 18%來償還,那你要花13年來還債,而這段期間,。試想一下,如果欠了更多的債,那是多么地嚴(yán)重。Don’t hesitate to take help from loved ones: When you are down and battling with debt, if loved ones offer to help don’t hesitate to accept. This could be in cash or kind. For instance, can your mother baby sit your kids so you can save some money that is spent on daycare and apply it to your debt? Can your parents loan you some money at low or zero interest that will help you reduce the amount you pay in debt? If you are just starting out, can you move back with your parents for a few months and throw the rent money towards your debt? These may be very tough but they can save you several years of slaving to pay off your debt.不要猶豫接受來自你親人的幫助:當(dāng)你處于劣勢并與債款作斗爭時(shí),如果你的親人為你提供幫助,你不要猶豫地去接受。比如,你的媽媽是否可以照顧你的孩子,這樣你就可以省掉一筆花在照顧上的錢而可以將這些錢花在債務(wù)上?你的父母是否能以低率或免率來借你一筆錢來減少你在債款上付的錢?如果你是剛搬出去住的,你能否搬回去和你父母住來免掉房租費(fèi)?這些可能讓你很為難,但這確可以幫你省好幾年來還債。如果每個(gè)月去查賬款付款讓你覺得很麻煩,那就設(shè)定一個(gè)自動(dòng)每月付款,這樣你收入中的一個(gè)定額就會自動(dòng)地拿去償還債款。另一方面,如果看著你的債款漸漸減少讓你覺得很爽并激勵(lì)你繼續(xù)保持下去,那你就人為地去還債。Ultimately, getting rid of debt is like going on a financial diet。這一點(diǎn)也不容易,你所遇到的誘惑也是很大的。如果你不做出一點(diǎn)犧牲,你是不可能脫離債谷的。人力資源術(shù)語英漢對照出自 MBA智庫百科() 人力資源經(jīng)理：( human resource manager) 職業(yè)：(profession) 操作工：(operative employees) 人力資源認(rèn)證協(xié)會：(the Human Resource Certification Institute，HRCI) 內(nèi)部環(huán)境：(internal environment) 企業(yè)文化：(corporate culture) 股東：(shareholders) 跨國公司：(multinational corporation，MNC) 工作：(job) 工作分析：(job analysis) 工作規(guī)范：(job specification) 職位分析問卷調(diào)查法：(Management Position Description Questionnaire，MPDQ) 地區(qū)服務(wù)經(jīng)理助理：(assistant district service manager) 戰(zhàn)略規(guī)劃：(strategic planning) 要求預(yù)測：(requirement forecast) 管理人力儲備：(management inventory) 人力資源信息系統(tǒng)：(Human Resource Information System，HRIS) 員工申請表：(employee requisition) 內(nèi)部提升：(Promotion From Within ，PFW) 廣告：(advertising) 特殊事件：(special events) 選擇：(selection) 簡歷：(resume) 有效性：(validity) 規(guī)范：(