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.

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。

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.

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。

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.

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。