双语:20多条妙招让你不再负债2008-07-0814:04Thisisnotastep-by-stepguidetoreducingdebt.Rather,itisacollectionofalotofthewisdomIhavereadsofaronthistopicandalistofsomeofthethingsthatworkedforus.这并不是一个一步一步教你减少负债的指南方法,相反这是一个智慧的结晶,一个到目前为止我读过的所有关于这个话题的总结和一个对我们有帮助的建议单。Asyougothroughthelist,Iwouldrecommendsortingitoutintothingsthatwilldefinitelyworkforyouandthingsthatcouldpossiblyworkforyou.Startimplementingthethingsthatwillworkforyourightawayandstartworkingonincorporatingtheotherswhenpossible.Believeme,soonitwillbecomeanobsession(ifitalreadyisn’t!)andslowlybutsurelyyouwillbefreeofdebt.Andthatfeelingisworthanyshort-termpainyouhavetogothrough.当你要浏览这份单子的时候,我建议你最好整理出哪些对你绝对有帮助和哪些对你可能有帮助。然后开始实施对你立即起作用的那些工作,同时有可能的话最好也做一些对其它有帮助的事。请相信我,很快你就会上瘾(如果现在还没有的话)并且慢慢地你会确信你已经成为无债的人。这种感觉是值得你为之承受一切短暂的痛苦的。Stopaddingmoredebt:Nokiddingright?Well,ifit'ssosimplewhyaren'tyoudoingit?Thinkofyourdebtasasmallhillofdirtinyourbackyard.Togetridofthatdirthill,youneedtodigoutashovelatatime.Nowimagineforevery2-3shovelsofdirtthatyoudigout,youtoss4shovelsbackon.Howlongwillittaketogetridofthatlittlehill?Pilingonmoredebtwhileyouaretryingtogetoutofitdoesn’tmakemuchsenseeither.不要再增加你的债务了:这不是在开玩笑吧,如果这么简单的话你为什么不去做啊?想想你所欠的债就像你家后院堆积如山的垃圾。要想除去这座污山,你需要一次性挖走一大铲。试想一下,你每次从垃圾中挖走2-3大铲,然后你再拉回家4大铲的垃圾。这样下去你何年马月才能清除掉这座小山?像你那种在还债的同时又欠下债的作法也同样一点也不明智。Getridofyourcreditcards:Oneofthebiggestdownfallsthatmostofushaveistherelianceoncreditcards.Unlikespendingrealcash,whenyouchargeittoacardyoudon’tfeeltheburn.Soifyoucannotcontrolhowmuchyouspendonyourcard,thencutupyourcards,leavethemlockedupathome,freezethemorburythemuntilyouareoutofdebt.(Note:Don’tclosetheaccountssincethatcanresultinreducingyourcreditscore!)杜绝用信用卡:对于大多数的我们来说,最大的败点就是我们太依赖信用卡了。不像花现钞,当你刷卡时你不会感觉象是在割肉。因此,如果你不能控制刷你的卡,你就要禁用你的信用卡,将它们锁在家里,不管是冷冻还是火烧,直到你还清了你的债。(注意:不要关掉你的账户,因为这样会减少你的信誉积分!)WhenIwasincollege,Iwentalittlewildwithstudentcreditcards.IlearnedthehardwaythatIneededsomecontrol,soIfrozethecardsinalargepanofwater.IfIwantedorneededsomethingbadlyenoughtowaitforthecardstothawout,thenitwasprobablyworthpurchasing.Ifnot,Isavedthedough.Mymomstilllaughsaboutthis,butIsavedthousandsinforgoneimpulsepurchases.--KellyColucci,Cumming,Ga.-quotesource:Kiplinger当我读大学时,我用学生卡有一点疯狂。我知道要采取些强硬的手段才能控制住,因此我将卡放在一大缸水中。如果我需要某样东西急得我恨不得我的卡马上干掉,那么我要买的东西就是值得买的。如果不是这样子的话,我就省下了钱。我妈妈经常笑我,但我确实省掉了因冲动而可能用掉的钱。----KellyColucci,Cumming,Ga.来源:KiplingerChangeyourattitude:Likeeverythingelseinlife,gettingoutofdebtisheavilydependentonyourattitude.Switchtoa“CanDo”attitude.Stopgivingintothevictimmentalityorself-doubtsofwhetheryoucandoit.Startattackingdebtanddon’tstopuntilitsallgone.改变一下你的态度:像生活中其它的事情一样,你要不再负债也大大地由你的态度决定。将你的心态调到“我一定行”上。不要再从思想上成为债奴或是自己怀疑自己能...
