快速不費力還清債務的小貼士
Here are some tips for getting out of debt quickly and painlessly:
下面是一些如何快速不費力還清債務的小貼士：
t, to discourage impulsive spending, cut up all your credit cards and paper money.
1.首先，不要因一時衝動而消費，中斷你的信用卡和紙幣消費。
your assorted debts more manageable by spreading them out over several false identities.
2.通過將債務分攤到其他幾個假身份上面，讓你的債務種類更加容易管理。
nization is key. Make a spreadsheet to neatly list all your minimum payments, interest rates, and remaining unfractured kneecaps.
3.組織是關鍵。製作一個電子數據表清晰列出所有債務所需的最低還款金額，利率以及剩下的零散的債務。
inspiration in someone whose credit score you admire and tape their photo to the front of your wallet.
4.從一位你欣賞的信用很高的人身上尋找還款的動力，將他的照片貼在錢包的前面。
credit card issuers for a lower rate on your balances. It’s likely they were unaware that you would prefer to owe them less money.
5.要求髮卡行根據你的餘額調整爲較低的利率。他們可能並沒有意識到你想要透支少一點。
for everyday ways to reduce expenses. For instance, the average American saves $3,000 per year simply by switching to blended scotch.
6.每天都想辦法減少開支。例如，美國人僅僅通過改喝威士忌平均每年就能省下3,000美元，
up autopay options to consistently overdraft in a timely fashion.
7.設置自動轉賬業務，以便能及時地還上透支金額。
cash for purchases instead of credit. If you don’t have cash, borrow a bunch from friends and family.
8.用現金購物，而不是用信用卡買東西。如果你沒有現金，那就跟朋友或者家人借點現金。
mber, you are more than just your credit score. You are the sum total of misguided decisions and assorted demographic factors that earned you that score.
9.記住，你並不僅僅需要在乎你的信用分數。你被誤導所做的決定以及分類好的動態因素是影響你信用得分的關鍵。
