Move! Drastic times require drastic measures! If you are really deep into debt you might want to consider more drastic steps like moving to a city with lower cost of living, to a smaller house, to an apartment with lower rent etc.

行动！极端的时代需要极端的方法！如果你确实深处债务中，那你得考虑考虑是否要搬到消费低一点的城市，小一点的房子，房租便宜一点的公寓，等等。

If something is available for free, don’t pay for it. Throw the money at your debt instead! If you can take public transportation to get around, skip the driving. Better yet, ride your bike and get a little workout at the same time. At the end of the month you may have used one less tank of gas. Make sure you bump up your debt repayment by that amount. It may not seem like much, but over a course of time, this can add up beautifully to free you from debt a lot sooner.

如果有的东西可以不要钱，那就不要付它，而让这些钱花在偿还你的债务上！如果你可以用公共交通工具去某个地方，那就不要开汽车。最好是骑自行车，同时还能健身。在月底你用的汽油就可能少于一油箱。确保你用这些钱来偿还一些负债。这看起来似乎不太多，但长时间下去，你就可以完美地并更快地偿还所有的债款。

Always pay more than the minimum payment toward your debt. If you only pay minimum payments, you will be old and gray before you pay off a the debt. Here is a calculator that shows the true cost of paying minimum. For example, if you only pay the minimum payment on a credit card loan of just $1000, at an APR of 18%, then it will take you around 13 years to pay off that debt. In that time you would have paid $1,115.41 in interest. That is more than the principal borrowed! Imagine how much worse it is with larger loans. So always try to make more than the minimum payments if you are serious about getting rid of debt.

经常在偿还你的债款时，多付一点你能承受的最低量。如果你只是一味地每次偿还最低量，那你直到老的那天才会还清所有的债。下面就每次只付最低量做的一个计算。例如，你信用卡上欠了1000美元，你仅付最低量，大概 18%来偿还，那你要花13年来还债，而这段期间，你要付1115.41美元来还利息费。这比你借的本金还要多。试想一下，如果欠了更多的债，那是多么地严重。因此，如果你是认认真真地对待还债这件事，那你最好试着每次偿还你能付的最低量的多一点的金额。

Don’t hesitate to take help from loved ones: When you are down and battling with debt, if loved ones offer to help don’t hesitate to accept. This could be in cash or kind. For instance, can your mother baby sit your kids so you can save some money that is spent on daycare and apply it to your debt? Can your parents loan you some money at low or zero interest that will help you reduce the amount you pay in debt? If you are just starting out, can you move back with your parents for a few months and throw the rent money towards your debt? These may be very tough but they can save you several years of slaving to pay off your debt.

不要犹豫接受来自你亲人的帮助：当你处于劣势并与债款作斗争时，如果你的亲人为你提供帮助，你不要犹豫地去接受。这种帮助不仅体现在现金上也体现在关爱上。比如，你的妈妈是否可以照顾你的孩子，这样你就可以省掉一笔花在照顾上的钱而可以将这些钱花在债务上？你的父母是否能以低率或免率来借你一笔钱来减少你在债款上付的钱？如果你是刚搬出去住的，你能否搬回去和你父母住来免掉房租费？这些可能让你很为难，但这确可以帮你省好几年来还债。

Make it automatic/manual: I know that’s ambiguous, but pick what works for you. If it hurts you every month to go over the bills and make the payments, then just set up automatic payments so that a fixed portion of your income goes towards paying debt. Your sole responsibility then is to make sure that your bank balance stays above the required amount and to avoid overdraft fees. On the other hand, if it gives you pleasure to watch your debt shrink and motivates you to keep at it, then make it manual. Pay your bills by yourself each month.

自动化或手动化还债：我知道这很模棱两可，但选择一个对你最适用的。如果每个月去查账款付款让你觉得很麻烦，那就设定一个自动每月付款，这样你收入中的一个定额就会自动地拿去偿还债款。你唯一的任务就是去确认一下你银行的余额仍处在最低点之上，免得要去付透支费。另一方面，如果看着你的债款渐渐减少让你觉得很爽并激励你继续保持下去，那你就人为地去还债。每个月自己去偿还。

Ultimately, getting rid of debt is like going on a financial diet; it is not easy and the temptations to give in are high. There will be that tiny voice in your head that says, “what’s the point of money if you can’t enjoy life?” But if you are in debt, and constantly worrying about it, you are in fact enslaved to your financial miseries. Unless you make some sacrifices, it is unlikely that you will be able to get out of it. Not all of these tips will work for you, so pick what does and stick to it!

总之，脱离债款就像是减钱的肥；这一点也不容易，你所遇到的诱惑也是很大的。有一个小小的声音总是在你的头脑你回荡，“如果不可以享受生活，那钱还有什么用呢？”但是你如果欠债，并不断地担心着，那你实际上就成了钱奴。如果你不做出一点牺牲，你是不可能脱离债谷的。不是所有的建议对你都是有用的，所以你要挑出几个并坚持做下去。