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!)

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！）

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

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。----Kelly Colucci, Cumming, Ga. 来源：Kiplinger

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.

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否做到。相反，你要向债款进行反攻，直到你没了债款为止。