How to Get Out of Debt如何摆脱债务
We are a nation of debt.我们是一个民族的债务。 Almost everyone has at one time borrowed money and then had to pay it back with interest.几乎每个人都在同一时间，借来的钱，然后要付这回连同利息。 In our society, credit means everything and while credit cards and loans are extremely convenient and allow us to purchase all kinds of cool stuff, many people have trouble controlling their spending and are unable to pay off their debt.在我们社会里，信用是指一切，而信用卡及贷款，是非常方便，让我们可以购买所有种最酷的东西，很多人都难以控制自己的开支，并无法还清债务。 If you are in debt, then you are probably in a horrible situation with creditors constantly warning of the prospect of paying much more for services and credit cards because you are deemed a high credit risk.如果你是在债务问题，那么你很可能是一个可怕的情况，与债权人不断警告的前景十分更多的服务和信用卡，因为你是当作一个高信贷风险。 While debt is not an enviable position to be in, you can get out of debt, no matter how deep in the hole you are.而债务是不是一个令人羡慕的位置，以在，你可以摆脱债务的，无论怎样深的洞，你的。 Here are some tips.这里有一些小窍门。
Understand How Debt Works了解如何债务工程
You probably have heard the saying “there's no such thing as a free lunch” and it is true, everything you spend on your credit cards or with loans must be repaid PLUS interest.也许你会听到说： "没有这样的事，作为一个免费的午餐" ，这是事实，一切你用你的信用卡或贷款必须偿还利息。 Most people don't realize that credit cards are loans.大多数人都没有意识到使用信用卡贷款。 They are unsecured loans, but loans nonetheless.他们是无担保贷款，但贷款尽管如此。 Most people think that if they have a few credit cards on them with a credit line of $5,000, then they in effect have $5,000.大多数人都认为，如果他们也有一些信用卡就送给他们一个信用额度的5000元，那么，他们实际上有5000元。 This is the wrong way to look at credit cards.这是错误的做法看信用卡。 Credit cards should only be used when you have the money to repay them and for emergency purchases only.信用卡只能用作时，你有没有钱，以回报他们，并紧急购买只。 You should not use a credit card because your checking account is depleted.你不应该使用信用卡，因为你的支票帐户耗尽。 Credit cards are very expensive tools that are used far too freely these days.信用卡是非常昂贵的工具是使用过于自由，这些天。 Almost everything can be paid with a credit card, from meals at a fast food restaurant to gas for your car.几乎什么都可以付一张信用卡，从吃饭，在一间快餐店气体为你的车。 In some situations when you purchase an item with a credit card and repay the interest for it over time, the actual cost of the item can be more than twice the amount of the original price.在某些情况下，当你在购买物品与信用卡和偿还利息，它随着时间的推移，实际成本的项目可多于金额两倍的原价。 Why pay twice the amount for an item just for the convenience of using a credit card?为什么要付两倍的金额为某件物品，只为方便使用信用卡？
Unfortunately, the idea of responsible credit is not taught in schools often enough and sometimes not even discussed at home, but if you are planning on using credit it is extremely important to learn how credit cards, loans and interest work.不幸的是，构思，负责信用是不是在学校讲授往往不够，有时甚至没有讨论过在家里，但是，如果你正计划利用信贷，这是极为重要的，了解如何信用卡，贷款和利息的工作。
Strategies to Get Rid of Debt策略，以摆脱债务
If you find yourself in debt, there are a few strategies that can help you get out of the hole.如果你发现自己的债务，有几个策略，可以帮助你摆脱洞。 They include:这些措施包括：
Pay off Your Credit Cards by Paying more than the Minimum Payment还清你的信用卡多付最低还款额
The credit cards have a way of fooling consumers – they request a specific payment.信用卡有办法，愚弄消费者-他们在信中要求一个具体的金额。 It is usually a very low manageable payment, sometimes as low as 3% or less of the entire amount you owe.它通常是一个非常低的可管理费，有时低至3厘或以下的整个你的欠款。 Most people don't put any thought into this amount and pay exactly what the credit cards ask for.大多数人并不把任何思想进入这个数额和缴付正是信用卡的要求。 The problem is that only paying the minimum payment may turn a debt of $5,000 into over $10,000 by the time you pay off the principle and interest.问题是，只支付最低还款额，有可能使债务5000元到超过一万名的时候，你付出过的原则和利益。 Credit cards are a business and you must understand that they are in the business of making money.信用卡是一盘生意，你必须明白，他们是在生意赚钱。 If you want to pay off your debt quickly and without paying more than is necessary you must pay an amount each month that is much higher than the minimum payment.如果你想还清你的债务很快也无需付出更多的超过实际需要的，你必须付出的金额每个月是远高于最低还款额。 An amount to strive for is to pay off at least 10% of your balance each month.金额，以争取的是要付出过至少10 ％的平衡你的每一个月。 This way, in about a year's time you will be able to pay off the entire balance (with interest).这样，在大约一年的时间内，你将能够还清全部余额（连同利息） 。
Transfer Your Balance from a High Interest Credit Card to a Lower Interest Credit Card转移你的平衡，从高利息的信用卡，以较低的利息信用卡
You probably receive about three or four credit card applications in the mail each month and many of them have extremely enticing offers.也许你会收到约3个或4个信用卡申请时，在邮件每个月他们中的许多人都十分诱人优惠。 Some offer free balance transfers and a lower interest for a limited time (usually 6 months to one year).一些免费提供余额转移，并以较低的利息，在有限的时间内（通常为6个月至一年） 。 If you have a large balance on one credit card and are paying high interest fees, you can easily transfer your balance to another credit card and pay a lower interest rate or no interest for the specified period.如果你有一个大的平衡上一张信用卡，并且支付高利息费用，你可以轻松地将您的余额，以另一种信用卡，并支付较低的利率或没有兴趣，为特定时期。 This strategy can easily save you several hundred dollars or more each year.这个战略可以轻易为您节省数百元或以上，每年的。
Use Your Savings to Pay off Debt用你的积蓄来偿清债务
While it sounds like financial suicide, you can actually save lots of money by paying off your high interest credit cards with your savings.虽然它听起来像金融自杀，你真正可以节省大量的金钱支付脱下自己的高利息的信用卡你的储蓄。 You don't have to use all your savings, just enough to make a dent.你不须要使用您所有的积蓄，只足以使平平。 For instance, if you are paying 22% interest on a credit card and your money in your savings account is only making 3% interest you can actually save 19% by paying off your credit cards with your savings.例如，如果你是支付22 ％的利息信用卡和你的钱在你的储蓄帐户只是百分之三利息你真正可以节省19 ％支付脱下自己的信用卡你的储蓄。 Obviously this strategy is not for everyone, but if you are adamant about paying off debt, this strategy is definitely a winner.很明显，这个策略并不适合每一个人，但是如果你坚持见成效债务，这个策略绝对是一个大冷门。
Consolidate your Credit Cards巩固你的信用卡
Another effective strategy for getting out of debt is to take out a debt consolidation loan.另一种有效的策略，失控的债务是采取了债务合并贷款。 You might be thinking to yourself why take out another loan if I am trying to get out of debt?你可能会思考自己为什么要出另一种贷款，如果我试图摆脱债务？ A debt consolidation loan is used to consolidate several high interest loans into one single loan making it easier to pay off debt.债务巩固贷款是用来巩固了几次高利息贷款成一个单一的贷款，可以更轻松地还清债务。 Debt consolidation loans usually have interest rates far lower than credit cards.债务合并贷款，通常是有利息远低于信用卡。 For instance, you can find debt consolidation loans at the rate from 9% to 12%, much lower than 16%, 18% and 22% that many credit cards ask you to pay.比如，你可以找到债务合并贷款率由9 ％至12 ％ ，远远低于16 ％ ， 18 ％和22 ％ ，许多信用卡要求你付钱。 In addition, you only have to manage one payment and there is a set term to pay off the loan.此外，你只需要管理一个付款，而且是一套长远的，以还清贷款。 For instance, you can take out a 4-year debt consolidation loan for $10,000; the monthly payment will stay the same, as will the interest rate.例如，你可以拿出4年的债务合并贷款为$ 10000人;按月付款，将保持不变，将银行利息。
Once you consolidate your old credit cards it is wise to cancel them as well.一旦你巩固你的旧信用卡，这是一个明智的取消他们。 If you pay off all your balances with a debt consolidation loan and then go back to your old ways, you will now be in a deeper hole than you were before.如果你还清所有余额与债务合并贷款，然后再回到你的老办法，你现在将能够在更深的孔比你面前。
Renegotiate with Credit Card Companies重新协商与信用卡公司
Another strategy that can help one get out of debt is to renegotiate with credit card companies.另一种策略，可以帮助一个摆脱债务进行重新谈判，与信用卡公司。 While some credit card companies will immediately dismiss your attempts to renegotiate terms such as interest rates, the overall balance and the minimum payments, if they see that you are between a rock and a hard place they may make some concessions.而一些信用卡公司将立即辞退你试图重新谈判的条件，如利率，但整体的平衡及最低保证金额，如果他们看到你是一个摇滚乐和艰苦的地方，他们可能会做出一些让步。 Many times credit cards companies will give you some leeway when they realize that you can no longer afford to pay them and might go bankrupt.很多次，信用卡公司会，让大家有更充裕的时候，他们意识到，你可以不再是负担不起他们，并可能走向破产。 They consider that they are better off trying to get as much as they can than nothing at all.他们认为他们是更好的小康，以求取得更多，因为他们可以比什么都没有。
File for Bankruptcy申请破产保护
Finally, if you are extremely debt ridden and have no recourse to pay off your debt you can find legal protection through the bankruptcy laws.最后，如果你是非常债务缠身，且无追索权，以还清你的债务你可以找到法律保障，通过破产法。 Bankruptcy should not be looked at as shameful.破产不应被看作为可耻的。 In fact, many people who go bankrupt are hard working individuals that have become injured, severely ill or have lost their job.事实上，许多人倾家荡产，是辛勤工作的个人，这已经成为受伤，病情严重或失去他们的工作。 If you find yourself in this predicament, with the help of the bankruptcy laws you can get a fresh start and release yourself from many financial obligations.如果你发现自己处于这样的困境，借助破产法，你可以得到一个新的开始和释放自己免于许多财政义务。 It should be noted that your credit rating will suffer for about 10 years- the length of time that a bankruptcy is visible on your credit report.应该指出的是，你的信用等级将蒙受了大约10年的时间长短来表示，破产是看得见你的信用报告。
If you are thinking about going bankrupt, it is wise to talk to a lawyer or financial adviser to understand all that this protection entails.如果你想破产，这是一个明智的对话，以律师或财务顾问，以了解所有这保护的内容。
