快速不费力还清债务的小贴士

Here are some tips for getting out of debt quickly and painlessly:

下面是一些如何快速不费力还清债务的小贴士：

t, to discourage impulsive spending, cut up all your credit cards and paper money.

1.首先，不要因一时冲动而消费，中断你的信用卡和纸币消费。

your assorted debts more manageable by spreading them out over several false identities.

2.通过将债务分摊到其他几个假身份上面，让你的债务种类更加容易管理。

nization is key. Make a spreadsheet to neatly list all your minimum payments, interest rates, and remaining unfractured kneecaps.

3.组织是关键。制作一个电子数据表清晰列出所有债务所需的最低还款金额，利率以及剩下的零散的债务。

inspiration in someone whose credit score you admire and tape their photo to the front of your wallet.

4.从一位你欣赏的信用很高的人身上寻找还款的动力，将他的照片贴在钱包的前面。

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.要求发卡行根据你的余额调整为较低的利率。他们可能并没有意识到你想要透支少一点。

for everyday ways to reduce expenses. For instance, the average American saves $3,000 per year simply by switching to blended scotch.

6.每天都想办法减少开支。例如，美国人仅仅通过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.设置自动转账业务，以便能及时地还上透支金额。

cash for purchases instead of credit. If you don’t have cash, borrow a bunch from friends and family.

8.用现金购物，而不是用信用卡买东西。如果你没有现金，那就跟朋友或者家人借点现金。

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.记住，你并不仅仅需要在乎你的信用分数。你被误导所做的决定以及分类好的动态因素是影响你信用得分的关键。