 20多條妙招讓你不再負(fù)債!
1、This is not a step-by-step 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. 1、這并不是一個一步一步教你減少負(fù)債的指南方法，相反，這是一個智慧的結(jié)晶，一個到目前為止我讀過的所有關(guān)于這個話題的總結(jié)和一個對我們有幫助的建議單。 2、As you go through the list, I would recommend 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 become an obsession (if it already isn’t!) and slowly but surely you will be free of debt. And that feeling is worth any short-term pain you have to go through. 2、當(dāng)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(xiàn)在還沒有的話）并且慢慢地你會確信你已經(jīng)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。 3、Stop adding more debt: No kidding right? Well, if it's so simple why aren'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 2-3 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. 3、不要再增加你的債務(wù)了：這不是在開玩笑吧，如果這么簡單的話你為什么不去做??？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2-3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。 4、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!) 4、杜絕用信用卡：對于大多數(shù)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(xiàn)鈔，當(dāng)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(guān)掉你的賬戶，因為這樣會減少你的信譽積分?。?/FONT> 5、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 5、當(dāng)我讀大學(xué)時，我用學(xué)生卡有一點瘋狂。我知道要采取些強(qiáng)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?xùn)|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(jīng)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：Kiplinger 6、Change 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 self-doubts of whether you can do it. Start attacking debt and don’t stop until its all gone. 6、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(fù)債也大大地由你的態(tài)度決定。將你的心態(tài)調(diào)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(jìn)行反攻，直到你沒了債款為止。 7、Stay busy: An idle mind is a devil’s work shop and a retailer'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. 7、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(jī)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(yīng)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(fù)債，如果你正嚴(yán)肅地思考著如何不再負(fù)債的問題的話。 8、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 comings that you see. 8、改變你的消費的習(xí)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(xí)慣，并找出你認(rèn)為的不好之處。 9、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. 9、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。 10、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! 10、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(xiàn)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(fù)債。確實，沒有了你以往的享受，生活似乎毫無生機(jī)。在這兒由你選擇你更傾向于哪一個---短暫的享受但因為負(fù)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。 11、Always lookout to improve your current income: 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 commission, 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. 11、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。因此，經(jīng)常尋找有更多傭金，有加工費或有獎金的工作的機(jī)會。認(rèn)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。 12、Create additional sources of income: Sometimes it is not easy to simply increase your current income at your day job. If that's the case, look at means to create additional sources of income. 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 computer knowledge that you can use online? Creating additional sources of income not only helps you get out of debt but provides you with better cushion to survive through primary job loss. 12、給自己創(chuàng)造額外收入來源：有的時候，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。但如果你想要的話，你可以找一些方法來增加你的額外收入。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？或你有沒有什么電腦技術(shù)能在上網(wǎng)時用？制造你額外收入的來源不僅幫你走出負(fù)債，還能為你提供一個更好的緩沖物可以抵消一點你現(xiàn)有的工作損失。 13、Build an emergency fund: As you attack your debt, remember to put away a small amount for the rainy day. If something unexpected comes along or if you are forced to borrow money again, you will have a rough time getting out of debt. So stash away small amounts of money in an emergency fund, and make sure you use it – well, only for emergencies! 13、準(zhǔn)備一個急救資金：當(dāng)你著手于你的負(fù)債時，記住要先挪出少許錢以備有需要的時候用。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。因此，儲存一部分錢當(dāng)作急救資金，并保證你能很好地用這部分錢，而且只能在急用的時候用！ 14、Avoid paying fees when possible: Get organized. Make sure you are paying your bills on time. There is no point in paying fees in addition to interest! Also, look out for other options where you can save on fees – for instance, going into a bank to withdraw money may seem like a hassle, but is it really worth spending $3 in ATM fees every time you withdraw money? Booking your movie tickets online may seem convenient, but is it really worth paying an extra dollar for the ticket? 14、盡可能地避免花多余的錢：要有條理地組織好。確保你每次按時付賬單。對于另付利息是毫無意義可言的，同時再做些其它的選擇，這樣你可以減少一些不需要的費用---例如去銀行提款看起來似乎是一個麻煩，但這是不是真正地值得每次花3美元的手續(xù)費在自動取款機(jī)上取錢呢？在網(wǎng)上訂電影票看起來是方便，但是否真得值得付額外的費用來訂票呢？ 15、Use balance transfers: Call up every single one of the credit card companies and ask them if they can lower your interest rate or offer you special interest on balance transfer. Repeat with all the credit cards you have, and consolidate your loans onto the cards that offer the best interest rate. Watch out for the “balance transfer fees” and make sure you are really coming out ahead. Again, do NOT close paid off credit cards because it will lower your credit score! 15、使用差額轉(zhuǎn)賬：給每一個信用證公司打電話，然后問他們是否能降低你的利率或是在差額轉(zhuǎn)賬上給你提供特殊利息。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。接著注意你“差額轉(zhuǎn)賬費用”并弄清楚你是真正地成功了。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積分！ 16、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. 16、學(xué)會使用預(yù)算：預(yù)算并不是真正地難以使用。你不需要什么特別的軟件或工具，你只需要一本簡單的筆記本和一支筆或可信的電子數(shù)據(jù)表。將你經(jīng)常會用到的賬款如租費/抵押費，商品費，日常生活費用，賬單列在一個目錄上并給這些消費加上一個最大限額。然后再給其它費用建立一個目錄用來涵蓋你不能計劃的作為你臨時享受用的一個目錄。如果你認(rèn)為你沒有能力來付這些款項，那就修改你的目錄，直到你有足夠的能力來付這些款。 17、Reuse and recycle: Reuse and recycle whatever you can. I never buy garbage bags. Instead I have small waste bins in my kitchen and bathrooms that I line with grocery bags. I don’t care if someone thinks that is cheap – it saves me money and is a small way to reduce my environmental footprint. So why should I bother about what snobs think. And since they are smaller waste bins, they get cleaned our more regularly, reducing the possibility of stench in the kitchen. You will be amazed at how many different places you can apply the reuse and recycle principle to save a few bucks! 17、再使用和再回收：再使用和回收一切你能夠做到的。我從來不買垃圾袋。相反在我廚房和浴室里用的垃圾袋是我買東西的袋子。我不在乎誰說我這是便宜貨---這確實幫我省了錢也是讓我減少對環(huán)境損害的一個小方法。因此，我不必?zé)滥切﹦萘Φ娜怂f的話。由于那些是比較小的垃圾袋，我能夠更有規(guī)律地將它們及時清理干凈，減少它們在廚房的逗留時間。不久你將會很驚異地發(fā)現(xiàn)你可以在很多地方運用這個再使用和再回收的原則來幫你節(jié)省少許錢！ 18、Make your intentions public: When you start digging into your debt, make your intentions public. Say it out loud - maybe to your spouse or your family or friends. When people know that you are tackling debt, they will give you dirty looks and lectures when you slip up :) It may be an unsavory experience, but if it keeps you on track and gets you out the hole faster, why not? Maybe it will also stop them from enticing you to eat out or buy that new pair of pants! 19、讓你的目標(biāo)公眾化：當(dāng)你開始著手于你的債務(wù)中，你要將你的目標(biāo)公眾化。大聲地說出來-----對你的配偶，家人或你的朋友。當(dāng)人們知道你要處理你的債務(wù)時，如果你中途有所怠慢，他們會給你不好的臉色看并給你做思想：這可能是一個不太愉悅的過程，但這可以讓你保持下去并更快地脫離債務(wù)的深淵，那你為什么不試一試呢？他們也可能誘惑你讓你出去吃一頓或買一條新的牛仔褲！ 20、Start a blog about your effort: If you are not comfortable about sharing it with the people you know, share it with strangers! The internet makes it so easy to have an anonymous public image! Use it! Create a blog and chart your progress. You can create free blogs using software like blogger - it is fairly easy and you don’t need to be tech-savvy to be able to do it. Nothing makes you obsessive about getting rid of your debt like encouragement from a bunch of strangers whom you have never met! Besides, depending on your success, you may be able to monetize your blog and make it an additional source of income. Here are a few blogs to get you started Blogging Away Debt, No Credit Needed, The Simple Dollar. A simple search for “blog debt” on Google will show you many more if you are interested. 20、創(chuàng)建一個博客對你每天的努力作一個報告：如果你覺得將這些與你認(rèn)識的人分享感到不太舒服，那就與陌生人分享這一切！因特網(wǎng)讓你擁有一個虛擬形象變得非常容易。就用它！創(chuàng)建一個博客然后見證你的成功。你可以用像blogger 這樣的軟件來創(chuàng)建一個免費博客---這確實很簡單，而且你不需要是一個技術(shù)專家來使用它。從來沒有什么像來自一群你沒遇見過的陌生人的鼓勵那樣讓你如此著迷。此外，依賴你這種成功，你可以將你的博客成為你賺錢的工具來做為你額外的收入。你可以從以下幾個博客開始：Blogging Away Debt、No Credit Needed、The Simple Dollar。如果你有興趣的話，在Google網(wǎng)上簡單地搜尋一下“blog debt”這幾個字，你將會得到更多信息。 21、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. 21、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。這就可能意味著你要換掉你的朋友們或遠(yuǎn)離那些對你有消極影響的朋友。這條建議很難做，但又很必要，如果你是真的想要擺脫債款。 22、Move! Drastic times require drastic measures! If you are really deep into debt you might want to consider more drastic steps like moving to a city with lower cost of living, to a smaller house, to an apartment with lower rent etc. 22、行動！極端的時代需要極端的方法！如果你確實深處債務(wù)中，那你得考慮考慮是否要搬到消費低一點的城市，小一點的房子，房租便宜一點的公寓，等等。 23、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. 23、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地方，那就不要開汽車。最好是騎自行車，同時還能健身。在月底你用的汽油就可能少于一油箱。確保你用這些錢來償還一些負(fù)債。這看起來似乎不太多，但長時間下去，你就可以完美地并更快地償還所有的債款。 24、Always pay more than the minimum payment toward your debt. If you only pay minimum payments, you will be old and gray before you pay off a the debt. Here is a calculator that shows the true cost of paying minimum. For example, if you only pay the minimum payment on a credit card loan of just $1000, at an APR of 18%, then it will take you around 13 years to pay off that debt. In that time you would have paid $1,115.41 in interest. That is more than the principal borrowed! Imagine how much worse it is with larger loans. So always try to make more than the minimum payments if you are serious about getting rid of debt. 24、經(jīng)常在償還你的債款時，多付一點你能承受的最低量。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。下面就每次只付最低量做的一個計算。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，你要付1115.41美元來還利息費。這比你借的本金還要多。試想一下，如果欠了更多的債，那是多么地嚴(yán)重。因此，如果你是認(rèn)認(rèn)真真地對待還債這件事，那你最好試著每次償還你能付的最低量的多一點的金額。 25、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. 25、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，如果你的親人為你提供幫助，你不要猶豫地去接受。這種幫助不僅體現(xiàn)在現(xiàn)金上也體現(xiàn)在關(guān)愛上。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？這些可能讓你很為難，但這確可以幫你省好幾年來還債。 26、Make it automatic/manual: I know that’s ambiguous, but pick what works for you. If it hurts you every month to go over the bills and make the payments, then just set up automatic payments so that a fixed portion of your income goes towards paying debt. Your sole responsibility then is to make sure that your bank balance stays above the required amount and to avoid overdraft fees. On the other hand, if it gives you pleasure to watch your debt shrink and motivates you to keep at it, then make it manual. Pay your bills by yourself each month. 26、自動化或手動化還債：我知道這很模棱兩可，但選擇一個對你最適用的。如果每個月去查賬款付款讓你覺得很麻煩，那就設(shè)定一個自動每月付款，這樣你收入中的一個定額就會自動地拿去償還債款。你唯一的任務(wù)就是去確認(rèn)一下你銀行的余額仍處在最低點之上，免得要去付透支費。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你繼續(xù)保持下去，那你就人為地去還債。每個月自己去償還。 27、Ultimately, getting rid of debt is like going on a financial diet; it is not easy and the temptations to give in are high. There will be that tiny voice in your head that says, “what’s the point of money if you can’t enjoy life?” But if you are in debt, and constantly worrying about it, you are in fact enslaved to your financial miseries. Unless you make some sacrifices, it is unlikely that you will be able to get out of it. Not all of these tips will work for you, so pick what does and stick to it! 27、總之，脫離債款就像是減錢的肥；這一點也不容易，你所遇到的誘惑也是很大的。有一個小小的聲音總是在你的頭腦你回蕩，“如果不可以享受生活，那錢還有什么用呢？”但是你如果欠債，并不斷地?fù)?dān)心著，那你實際上就成了錢奴。如果你不做出一點犧牲，你是不可能脫離債谷的。不是所有的建議對你都是有用的，所以你要挑出幾個并堅持做下去。
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