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.

将自己适度保持在忙碌状态上：悠闲的头脑状态可以说是恶魔的天下和卖家的梦想。如果你仅仅因为无聊了就去购物中心，那你注定会买一些你不需要的东西。如果你懒散地在电视机面前无事可做，那些广告商们又注定会一点点地挖掘出你的本来根本不想买的欲望。在你本应用这些大好时光做一些事的时候，你却挥霍着钱来让自己享受，这根本无法使你减少你的负债，如果你正严肃地思考着如何不再负债的问题的话。

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.

改变你的消费的习惯：你在买东西之前总是有计划的呢，还是你只是随便挑一东西呢？你有没有问过自己是不是真的需要它或者是将自己的需求“有理化”并一直让自己沉迷于这种快感中呢？你会不会为了向朋友炫耀而多花了钱呢？好好地抽个时间想想自己的消费习惯，并找出你认为的不好之处。

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.

减少你的开支：在你的账单都付完了之后，你还会继续省钱吗？举个例子，看看你的东西，你会不会用没什么品牌的东西代替一些品牌货来省钱呢？你会不会在大甩卖的时候，多买一些存在家里来省钱呢？你有没有明智地使用你的电器来省水费，电费和煤气费呢？看看这些消费，尽可能地挤出更多的钱将它们从你的债款中踢除。

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!

营造一个简单而又节省的生活模式：我们生活在一个随时会超支的世界。我们相信我们需要许多东西来存活。但是在现实中我们只需要少许必须品就能生活下去。你减少额外的开支越多，你就越快脱离你的负债。确实，没有了你以往的享受，生活似乎毫无生机。在这儿由你选择你更倾向于哪一个---短暂的享受但因为负债而失眠的夜晚，或少许的牺牲但轻轻松松无任何牵挂地度过剩下的生活。