Always lookout to improve your current income: The more the money you make, the more you will have left over to throw at your debt. So always look for opportunities for picking up tasks with higher commission, or over time pay or something that will result in a bonus. Take your job seriously and work hard everyday, at some point it will pay off for you.

经常注意改进你现有的收入:你挣得钱越多,就越能偿还你的负债。因此,经常寻找有更多佣金,有加工费或有奖金的工作的机会。认真做你的工作并踏实工作每一天,从某一点来看,你是会有回报的。

Create additional sources of income: Sometimes it is not easy to simply increase your current income at your day job. If that's the case, look at means to create additional sources of income. Do you have a hobby that you can monetize? Do you have skills (musician, carpenter, writer, etc.) that you can use to get some part time gigs? Do you have computer knowledge that you can use online? Creating additional sources of income not only helps you get out of debt but provides you with better cushion to survive through primary job loss.

给自己创造额外收入来源:有的时候,你要想简简单单地在工作上增加现有的收入,那是不容易的。但如果你想要的话,你可以找一些方法来增加你的额外收入。你有没有什么特长对你的赚钱有用呢?你有没有什么技能(音乐家,木匠,作家等)能帮你赚一些兼职费?或你有没有什么电脑技术能在上网时用?制造你额外收入的来源不仅帮你走出负债,还能为你提供一个更好的缓冲物可以抵消一点你现有的工作损失。

Build an emergency fund: As you attack your debt, remember to put away a small amount for the rainy day. If something unexpected comes along or if you are forced to borrow money again, you will have a rough time getting out of debt. So stash away small amounts of money in an emergency fund, and make sure you use it – well, only for emergencies!

准备一个急救资金:当你着手于你的负债时,记住要先挪出少许钱以备有需要的时候用。如果预料之外的事发生了,或是你不得不再借一些钱,那么你还债的路程就更艰辛了。因此,储存一部分钱当作急救资金,并保证你能很好地用这部分钱,而且只能在急用的时候用!

Avoid paying fees when possible: Get organized. Make sure you are paying your bills on time. There is no point in paying fees in addition to interest! Also, look out for other options where you can save on fees – for instance, going into a bank to withdraw money may seem like a hassle, but is it really worth spending $3 in ATM fees every time you withdraw money? Booking your movie tickets online may seem convenient, but is it really worth paying an extra dollar for the ticket?

尽可能地避免花多余的钱:要有条理地组织好。确保你每次按时付账单。对于另付利息是毫无意义可言的,同时再做些其它的选择,这样你可以减少一些不需要的费用---例如去银行提款看起来似乎是一个麻烦,但这是不是真正地值得每次花3美元的手续费在自动取款机上取钱呢?在网上订电影票看起来是方便,但是否真得值得付额外的费用来订票呢?