How to Get Out of Debt如何擺脫債務
We are a nation of debt.我們是一個民族的債務。 Almost everyone has at one time borrowed money and then had to pay it back with interest.幾乎每個人都在同一時間，借來的錢，然後要付這回連同利息。 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.在我們社會裡，信用是指一切，而信用卡及貸款，是非常方便，讓我們可以購買所有種最酷的東西，很多人都難以控制自己的開支，並無法還清債務。 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.如果你是在債務問題，那麼你很可能是一個可怕的情況，與債權人不斷警告的前景十分更多的服務和信用卡，因為你是當作一個高信貸風險。 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.而債務是不是一個令人羨慕的位置，以在，你可以擺脫債務的，無論怎樣深的洞，你的。 Here are some tips.這裡有一些小竅門。
Understand How Debt Works了解如何債務工程
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.也許你會聽到說： "沒有這樣的事，作為一個免費的午餐" ，這是事實，一切你用你的信用卡或貸款必須償還利息。 Most people don't realize that credit cards are loans.大多數人都沒有意識到使用信用卡貸款。 They are unsecured loans, but loans nonetheless.他們是無擔保貸款，但貸款儘管如此。 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.大多數人都認為，如果他們也有一些信用卡就送給他們一個信用額度的5000元，那麼，他們實際上有5000元。 This is the wrong way to look at credit cards.這是錯誤的做法看信用卡。 Credit cards should only be used when you have the money to repay them and for emergency purchases only.信用卡只能用作時，你有沒有錢，以回報他們，並緊急購買只。 You should not use a credit card because your checking account is depleted.你不應該使用信用卡，因為你的支票帳戶耗盡。 Credit cards are very expensive tools that are used far too freely these days.信用卡是非常昂貴的工具是使用過於自由，這些天。 Almost everything can be paid with a credit card, from meals at a fast food restaurant to gas for your car.幾乎什麼都可以付一張信用卡，從吃飯，在一間快餐店氣體為你的車。 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.在某些情況下，當你在購買物品與信用卡和償還利息，它隨著時間的推移，實際成本的項目可多於金額兩倍的原價。 Why pay twice the amount for an item just for the convenience of using a credit card?為什麼要付兩倍的金額為某件物品，只為方便使用信用卡？
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，構思，負責信用是不是在學校講授往往不夠，有時甚至沒有討論過在家裡，但是，如果你正計劃利用信貸，這是極為重要的，了解如何信用卡，貸款和利息的工作。
Strategies to Get Rid of Debt策略，以擺脫債務
If you find yourself in debt, there are a few strategies that can help you get out of the hole.如果你發現自己的債務，有幾個策略，可以幫助你擺脫洞。 They include:這些措施包括：
Pay off Your Credit Cards by Paying more than the Minimum Payment還清你的信用卡多付最低還款額
The credit cards have a way of fooling consumers – they request a specific payment.信用卡有辦法，愚弄消費者-他們在信中要求一個具體的金額。 It is usually a very low manageable payment, sometimes as low as 3% or less of the entire amount you owe.它通常是一個非常低的可管理費，有時低至3厘或以下的整個你的欠款。 Most people don't put any thought into this amount and pay exactly what the credit cards ask for.大多數人並不把任何思想進入這個數額和繳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.問題是，只支付最低還款額，有可能使債務5000元到超過一萬名的時候，你付出過的原則和利益。 Credit cards are a business and you must understand that they are in the business of making money.信用卡是一盤生意，你必須明白，他們是在生意賺錢。 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.如果你想還清你的債務很快也無需付出更多的超過實際需要的，你必須付出的金額每個月是遠高於最低還款額。 An amount to strive for is to pay off at least 10% of your balance each month.金額，以爭取的是要付出過至少10 ％的平衡你的每一個月。 This way, in about a year's time you will be able to pay off the entire balance (with interest).這樣，在大約一年的時間內，你將能夠還清全部餘額（連同利息） 。
Transfer Your Balance from a High Interest Credit Card to a Lower Interest Credit Card轉移你的平衡，從高利息的信用卡，以較低的利息信用卡
You probably receive about three or four credit card applications in the mail each month and many of them have extremely enticing offers.也許你會收到約3個或4個信用卡申請時，在郵件每個月他們中的許多人都十分誘人優惠。 Some offer free balance transfers and a lower interest for a limited time (usually 6 months to one year).一些免費提供餘額轉移，並以較低的利息，在有限的時間內（通常為6個月至一年） 。 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.如果你有一個大的平衡上一張信用卡，並且支付高利息費用，你可以輕鬆地將您的餘額，以另一種信用卡，並支付較低的利率或沒有興趣，為特定時期。 This strategy can easily save you several hundred dollars or more each year.這個戰略可以輕易為您節省數百元或以上，每年的。
Use Your Savings to Pay off Debt用你的積蓄來償清債務
While it sounds like financial suicide, you can actually save lots of money by paying off your high interest credit cards with your savings.雖然它聽起來像金融自殺，你真正可以節省大量的金錢支付脫下自己的高利息的信用卡你的儲蓄。 You don't have to use all your savings, just enough to make a dent.你不須要使用您所有的積蓄，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錢在你的儲蓄帳戶只是百分之三利息你真正可以節省19 ％支付脫下自己的信用卡你的儲蓄。 Obviously this strategy is not for everyone, but if you are adamant about paying off debt, this strategy is definitely a winner.很明顯，這個策略並不適合每一個人，但是如果你堅持見成效債務，這個策略絕對是一個大冷門。
Consolidate your Credit Cards鞏固你的信用卡
Another effective strategy for getting out of debt is to take out a debt consolidation loan.另一種有效的策略，失控的債務是採取了債務合併貸款。 You might be thinking to yourself why take out another loan if I am trying to get out of debt?你可能會思考自己為什麼要出另一種貸款，如果我試圖擺脫債務？ A debt consolidation loan is used to consolidate several high interest loans into one single loan making it easier to pay off debt.債務鞏固貸款是用來鞏固了幾次高利息貸款成一個單一的貸款，可以更輕鬆地還清債務。 Debt consolidation loans usually have interest rates far lower than credit cards.債務合併貸款，通常是有利息遠低於信用卡。 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，你可以找到債務合併貸款率由9 ％至12 ％ ，遠遠低於16 ％ ， 18 ％和22 ％ ，許多信用卡要求你付錢。 In addition, you only have to manage one payment and there is a set term to pay off the loan.此外，你只需要管理一個付款，而且是一套長遠的，以還清貸款。 For instance, you can take out a 4-year debt consolidation loan for $10,000; the monthly payment will stay the same, as will the interest rate.例如，你可以拿出4年的債務合併貸款為$ 10000人;按月付款，將保持不變，將銀行利息。
Once you consolidate your old credit cards it is wise to cancel them as well.一旦你鞏固你的舊信用卡，這是一個明智的取消他們。 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.如果你還清所有餘額與債務合併貸款，然後再回到你的老辦法，你現在將能夠在更深的孔比你面前。
Renegotiate with Credit Card Companies重新協商與信用卡公司
Another strategy that can help one get out of debt is to renegotiate with credit card companies.另一種策略，可以幫助一個擺脫債務進行重新談判，與信用卡公司。 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.而一些信用卡公司將立即辭退你試圖重新談判的條件，如利率，但整體的平衡及最低保證金額，如果他們看到你是一個搖滾樂和艱苦的地方，他們可能會做出一些讓步。 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，信用卡公司會，讓大家有更充裕的時候，他們意識到，你可以不再是負擔不起他們，並可能走向破產。 They consider that they are better off trying to get as much as they can than nothing at all.他們認為他們是更好的小康，以求取得更多，因為他們可以比什麼都沒有。
File for Bankruptcy申請破產保護
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.最後，如果你是非常債務纏身，且無追索權，以還清你的債務你可以找到法律保障，通過破產法。 Bankruptcy should not be looked at as shameful.破產不應被看作為可恥的。 In fact, many people who go bankrupt are hard working individuals that have become injured, severely ill or have lost their job.事實上，許多人傾家蕩產，是辛勤工作的個人，這已經成為受傷，病情嚴重或失去他們的工作。 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.如果你發現自己處於這樣的困境，借助破產法，你可以得到一個新的開始和釋放自己免於許多財政義務。 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.應該指出的是，你的信用等級將蒙受了大約10年的時間長短來表示，破產是看得見你的信用報告。
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.如果你想破產，這是一個明智的對話，以律師或財務顧問，以了解所有這保護的內容。
