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6. Increase your income. If you are working less than 40 hours a week, consider all options available to increase your hours. If you are already working 40 hours a week, consider a part-time job or side business. Above all, focus on increasing the value you bring to the market. As you build your value, your income will follow.
6.增加你的收入。如果你每周的工作都低于四十個小時，考慮一下所有可以增加你時間的選擇。如果你已經完成了這四個小時的工作，考慮一下兼職或者副業。最重要的是,專注于提高你給市場帶來的價值。只要你創造了價值，你就會有收入。
7. Use cash instead of credit cards. Keep one card and use it only for emergencies or major necessities, such as your furnace or air conditioner breaking down. Put your credit card in a safe place and make a commitment not to use it for everyday purchases. Do not accept credit increases or cards from other credit card companies.
7.使用現金而不是信用卡。保持使用一個卡,使用它只用于緊急情況或重大生活必需品,比如你的爐或空調壞掉。把你的信用卡放在一個安全的地方,并承諾日常生活不去使用它。不接受其他信用卡公司信貸或者增加信用卡。
8. Change your habits. Take a minute and consider some of your expensive habits such as eating out, having an afternoon latte, drinking a diet soda every day, browsing through stores, or drinking with your friends after work. These little expenditures add up to big dollars.
8.改變你的習慣。花一分鐘,考慮你的一些花錢的習慣，例如外出就餐,下午拿鐵咖啡,每天喝無糖汽水，瀏覽商店或者工作之后和你的朋友一起喝酒。這些小支出加起來就是大元。
9. Pay off your debt with the highest interest rate first. Select the bill with the highest interest rate and pay it first. When it is paid off, close the account so you are not tempted to use it again. Continue this process, one account at a time, until all your accounts are paid in full. When using this method, measure your progress by watching your overall debt decrease.
9.還清你利率最高的債務。選擇第一個還清你利率最高的債務。付清時,關閉帳戶,你不要嘗試再次使用它。繼續這個過程,一次一個帳戶,直到你所有的賬戶都全部付清。當使用這種方法時,通過觀察你的總體債務減少來權衡你的進步。
There are other methods, such as the Debt-snowball Method, but paying your debts with the highest interest rates first is the smartest.
還有其他的方法,如債務雪球的方法,但是最聰明的是首先支付你的債務利率最高的債務。
10. Shop smarter. Stop paying retail prices for anything you buy. Start shopping at discount stores, thrift stores, and resale shops. Use shopping comparison websites such as Biz Rate, Price Grabber and Shop Zilla and make sure you are getting the best price for what you are buying.
10.聰明的購物。停止支付你所有零售價格的東西。開始在折扣店購物,舊貨店,轉售商店中購買。對比著使用購物網站，如商業利率,價格掠奪者和商店Zilla并確保你得到東西是以最合適的價格購買的。
If you are in debt, I challenge you to make the decision right now that you are going to put together a plan to eliminate your debt. Let today be the day you say, “Enough is enough, I am going to take control of my finances and get out of debt.”
你就在今天作出決定：夠了。我要掌控自己的經濟，還完所有欠債。
If you are married or living with someone,let me encourage you to go to this process together.It's critical that you both are committed to rid yourselves with the debt.As you begin implementing your plan, hold yourself accountable and not allow exceptions.If you're overwhelmed and not sure what to do,seek the help of a trained professional, ask a respected friend, family memeber or your accountant for a referal.
如果你已婚或者和某人住在一起，我鼓勵你們共同進行這項計劃。你們兩個共同致力于還清債務很重要。當你們開始執行計劃之后，要負起責任不能允許有例外。如果你發現這個過程很困難，尋求專業幫助或者求助于朋友、家人或你的會計。
