Use balance transfers: Call up every single one of the credit card companies and ask them if they can lower your interest rate or offer you special interest on balance transfer. Repeat with all the credit cards you have, and consolidate your loans onto the cards that offer the best interest rate. Watch out for the “balance transfer fees” and make sure you are really coming out ahead. Again, do NOT close paid off credit cards because it will lower your credit score!

使用差额转账：给每一个信用证公司打电话，然后问他们是否能降低你的利率或是在差额转账上给你提供特殊利息。反复多次使用你所有的信用卡，然后将你全部的贷款放在提供最优惠利息的卡上。接着注意你“差额转账费用”并弄清楚你是真正地成功了。再一次申明一下，不要关掉你付款的信用卡，这样会降低你的信誉积分！

Make a budget: A budget is not really that difficult to make or follow. You don’t need fancy software or tools, just a simple notebook and pen, or a trusted spreadsheet program. List all your recurring bills like rent/mortgage, groceries, utilities, bills and put a limit on it. Then create a category for miscellaneous expenses to cover what you cannot plan for and an indulgence category. If you don’t have enough for paying towards debt, tweak and tune these categories, until you find enough.

学会使用预算：预算并不是真正地难以使用。你不需要什么特别的软件或工具，你只需要一本简单的笔记本和一支笔或可信的电子数据表。将你经常会用到的账款如租费/抵押费，商品费，日常生活费用，账单列在一个目录上并给这些消费加上一个最大限额。然后再给其它费用建立一个目录用来涵盖你不能计划的作为你临时享受用的一个目录。如果你认为你没有能力来付这些款项，那就修改你的目录，直到你有足够的能力来付这些款。

Reuse and recycle: Reuse and recycle whatever you can. I never buy garbage bags. Instead I have small waste bins in my kitchen and bathrooms that I line with grocery bags. I don’t care if someone thinks that is cheap – it saves me money and is a small way to reduce my environmental footprint. So why should I bother about what snobs think. And since they are smaller waste bins, they get cleaned our more regularly, reducing the possibility of stench in the kitchen. You will be amazed at how many different places you can apply the reuse and recycle principle to save a few bucks!

再使用和再回收：再使用和回收一切你能够做到的。我从来不买垃圾袋。相反在我厨房和浴室里用的垃圾袋是我买东西的袋子。我不在乎谁说我这是便宜货---这确实帮我省了钱也是让我减少对环境损害的一个小方法。因此，我不必烦恼那些势力的人所说的话。由于那些是比较小的垃圾袋，我能够更有规律地将它们及时清理干净，减少它们在厨房的逗留时间。不久你将会很惊异地发现你可以在很多地方运用这个再使用和再回收的原则来帮你节省少许钱！

Make your intentions public: When you start digging into your debt, make your intentions public. Say it out loud - maybe to your spouse or your family or friends. When people know that you are tackling debt, they will give you dirty looks and lectures when you slip up :) It may be an unsavory experience, but if it keeps you on track and gets you out the hole faster, why not? Maybe it will also stop them from enticing you to eat out or buy that new pair of pants!

让你的目标公众化：当你开始着手于你的债务中，你要将你的目标公众化。大声地说出来-----对你的配偶，家人或你的朋友。当人们知道你要处理你的债务时，如果你中途有所怠慢，他们会给你不好的脸色看并给你做思想：这可能是一个不太愉悦的过程，但这可以让你保持下去并更快地脱离债务的深渊，那你为什么不试一试呢？他们也可能诱惑你让你出去吃一顿或买一条新的牛仔裤！