Here are some tips for getting out of debt quickly and painlessly:
下面是一些如何快速不費(fèi)力還清債務(wù)的小貼士：
1.First, to discourage impulsive spending, cut up all your credit cards and paper money.
1.首先，不要因一時(shí)沖動而消費(fèi)，中斷你的信用卡和紙幣消費(fèi)。
2.Make your assorted debts more manageable by spreading them out over several false identities.
2.通過將債務(wù)分?jǐn)偟狡渌麕讉€(gè)假身份上面，讓你的債務(wù)種類更加容易管理。
3.Organization is key. Make a spreadsheet to neatly list all your minimum payments, interest rates, and remaining unfractured kneecaps.
3.組織是關(guān)鍵。制作一個(gè)電子數(shù)據(jù)表清晰列出所有債務(wù)所需的最低還款金額，利率以及剩下的零散的債務(wù)。
4.Find inspiration in someone whose credit score you admire and tape their photo to the front of your wallet.
4.從一位你欣賞的信用很高的人身上尋找還款的動力，將他的照片貼在錢包的前面。
5.Ask credit card issuers for a lower rate on your balances. It’s likely they were unaware that you would prefer to owe them less money.
5.要求發(fā)卡行根據(jù)你的余額調(diào)整為較低的利率。他們可能并沒有意識到你想要透支少一點(diǎn)。
6.Look for everyday ways to reduce expenses. For instance, the average American saves $3,000 per year simply by switching to blended scotch.
6.每天都想辦法減少開支。例如，美國人僅僅通過改喝威士忌平均每年就能省下3,000美元，
7.Set up autopay options to consistently overdraft in a timely fashion.
7.設(shè)置自動轉(zhuǎn)賬業(yè)務(wù)，以便能及時(shí)地還上透支金額。
8.Use cash for purchases instead of credit. If you don’t have cash, borrow a bunch from friends and family.
8.用現(xiàn)金購物，而不是用信用卡買東西。如果你沒有現(xiàn)金，那就跟朋友或者家人借點(diǎn)現(xiàn)金。
9.Remember, you are more than just your credit score. You are the sum total of misguided decisions and assorted demographic factors that earned you that score.
9.記住，你并不僅僅需要在乎你的信用分?jǐn)?shù)。你被誤導(dǎo)所做的決定以及分類好的動態(tài)因素是影響你信用得分的關(guān)鍵。
下面是一些如何快速不費(fèi)力還清債務(wù)的小貼士：
1.First, to discourage impulsive spending, cut up all your credit cards and paper money.
1.首先，不要因一時(shí)沖動而消費(fèi)，中斷你的信用卡和紙幣消費(fèi)。
2.Make your assorted debts more manageable by spreading them out over several false identities.
2.通過將債務(wù)分?jǐn)偟狡渌麕讉€(gè)假身份上面，讓你的債務(wù)種類更加容易管理。
3.Organization is key. Make a spreadsheet to neatly list all your minimum payments, interest rates, and remaining unfractured kneecaps.
3.組織是關(guān)鍵。制作一個(gè)電子數(shù)據(jù)表清晰列出所有債務(wù)所需的最低還款金額，利率以及剩下的零散的債務(wù)。
4.Find inspiration in someone whose credit score you admire and tape their photo to the front of your wallet.
4.從一位你欣賞的信用很高的人身上尋找還款的動力，將他的照片貼在錢包的前面。
5.Ask credit card issuers for a lower rate on your balances. It’s likely they were unaware that you would prefer to owe them less money.
5.要求發(fā)卡行根據(jù)你的余額調(diào)整為較低的利率。他們可能并沒有意識到你想要透支少一點(diǎn)。
6.Look for everyday ways to reduce expenses. For instance, the average American saves $3,000 per year simply by switching to blended scotch.
6.每天都想辦法減少開支。例如，美國人僅僅通過改喝威士忌平均每年就能省下3,000美元，
7.Set up autopay options to consistently overdraft in a timely fashion.
7.設(shè)置自動轉(zhuǎn)賬業(yè)務(wù)，以便能及時(shí)地還上透支金額。
8.Use cash for purchases instead of credit. If you don’t have cash, borrow a bunch from friends and family.
8.用現(xiàn)金購物，而不是用信用卡買東西。如果你沒有現(xiàn)金，那就跟朋友或者家人借點(diǎn)現(xiàn)金。
9.Remember, you are more than just your credit score. You are the sum total of misguided decisions and assorted demographic factors that earned you that score.
9.記住，你并不僅僅需要在乎你的信用分?jǐn)?shù)。你被誤導(dǎo)所做的決定以及分類好的動態(tài)因素是影響你信用得分的關(guān)鍵。