我怎样才能还清家里的债务呢（一）
正文翻译
How will I be able to clear my family debts?
我怎样才能还清家里的债务呢?
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
How will I be able to clear my family debts?
我怎样才能还清家里的债务呢?
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
评论翻译
Kalyan Das
This question is not clear about the followings:
How much is the debt amount?
What is the interest rate you are paying presently on different debt amounts?
Who has borrowed this amount?
Is it due to failures of parental family business or a startup business?
Is it due to your partner in the business cheated you?
How to pay ?
(if you do not have any saving or any income or no bank or NBFC will give you loan or no one of relatives or friends will give you money)
Your family debts are to be cleared by you only. No one will help you on that.
Pay the high interest debt first.
Sell your your home where you are staying and purchase a smaller one far outscort of the city.
这个问题不清楚以下方面：
债务金额是多少？
目前对不同债务金额支付的利率是多少？
谁借了这笔钱？
这是由于父母的家族企业失败或创业企业的失败？
是因为你的生意伙伴欺骗了你吗？
如何支付？
（如果你没有任何储蓄或收入，或者银行或非银行金融公司不会给你贷款，或者亲戚或朋友不会给你钱）
你的家庭债务只能由你来清偿，没有人会帮你的。
先偿还高息债务。
卖掉你住的房子，买一个离市区很远的小房子。
This question is not clear about the followings:
How much is the debt amount?
What is the interest rate you are paying presently on different debt amounts?
Who has borrowed this amount?
Is it due to failures of parental family business or a startup business?
Is it due to your partner in the business cheated you?
How to pay ?
(if you do not have any saving or any income or no bank or NBFC will give you loan or no one of relatives or friends will give you money)
Your family debts are to be cleared by you only. No one will help you on that.
Pay the high interest debt first.
Sell your your home where you are staying and purchase a smaller one far outscort of the city.
这个问题不清楚以下方面：
债务金额是多少？
目前对不同债务金额支付的利率是多少？
谁借了这笔钱？
这是由于父母的家族企业失败或创业企业的失败？
是因为你的生意伙伴欺骗了你吗？
如何支付？
（如果你没有任何储蓄或收入，或者银行或非银行金融公司不会给你贷款，或者亲戚或朋友不会给你钱）
你的家庭债务只能由你来清偿，没有人会帮你的。
先偿还高息债务。
卖掉你住的房子，买一个离市区很远的小房子。
See if that differential about covers your debt.
All the family members depending on the capabilities and competencies, should look for any job to sustain the lives(there is no other way)
Life will take a turn at one moment and things will change.
Save as much as you all can.
We need to come out of it by doing hard work.
There is no short cuts.
If you are too lucky, someone will help you in any way.
Watch it out..Do not give up.
看看这个差额是否能弥补你的债务。
所有家庭成员取决于能力和；职业能力素质，应该寻找任何工作来维持生活（没有其他方法）
生活会在某一时刻发生转折，一切都会改变。
尽可能多地存钱。
我们需要通过努力工作来摆脱困境。
没有捷径。
如果你太幸运了，有人会以任何方式帮助你。
保重，不要放弃。
All the family members depending on the capabilities and competencies, should look for any job to sustain the lives(there is no other way)
Life will take a turn at one moment and things will change.
Save as much as you all can.
We need to come out of it by doing hard work.
There is no short cuts.
If you are too lucky, someone will help you in any way.
Watch it out..Do not give up.
看看这个差额是否能弥补你的债务。
所有家庭成员取决于能力和；职业能力素质，应该寻找任何工作来维持生活（没有其他方法）
生活会在某一时刻发生转折，一切都会改变。
尽可能多地存钱。
我们需要通过努力工作来摆脱困境。
没有捷径。
如果你太幸运了，有人会以任何方式帮助你。
保重，不要放弃。
Celia Milton
Stop shopping recreationally and eating out.
Pay down your debt even in small amounts. Start with your highest interest debt first.
Try to renegotiate interest rates
Cancel subscxtions and memberships you don’t use. Reduce your cable/internet/phone bills
Work more. Work part time. .
Sell items you don’t use or need; books, jewelry, toys, sports equiptment, clothing
停止休闲购物和外出就餐。
即使数额很小，也要还清债务。首先从你的最高利息债务开始。
尝试重新协商利率。
取消你不使用的订阅和会员资格。减少有线/互联网/电话账单；
多工作，找兼职工作。
出售你不使用或不需要的物品；书籍、珠宝、玩具、运动装备、服装。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
Stop shopping recreationally and eating out.
Pay down your debt even in small amounts. Start with your highest interest debt first.
Try to renegotiate interest rates
Cancel subscxtions and memberships you don’t use. Reduce your cable/internet/phone bills
Work more. Work part time. .
Sell items you don’t use or need; books, jewelry, toys, sports equiptment, clothing
停止休闲购物和外出就餐。
即使数额很小，也要还清债务。首先从你的最高利息债务开始。
尝试重新协商利率。
取消你不使用的订阅和会员资格。减少有线/互联网/电话账单；
多工作，找兼职工作。
出售你不使用或不需要的物品；书籍、珠宝、玩具、运动装备、服装。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
Anonymous
I have been graduated from a well known university, which stands to be one of the top 10 engineering colleges in India. I am in a good position job wise and I do earn a pretty decent salary.
But I have huge amount of debts due to some losses my family had few years back. To be precise we were almost 70+ lakhs in debts and I tried my best to clear them from the past 6 years. I have done multiple jobs, day night shifts… haven’t bought anything for myself , not even a two wheeler. So far I have been to clear around 20 lakhs or so. As it’s been pretty long almost 6–10 years since my family has made these debts, now everyone wants their money back from us and we are in no position to pay back and I am only bread winner of the family.
I still have the courage, energy to fight and pay everything but everyone is in need and I am unable to do it instantly. Any help/suggestion to come out of this crisis is really appreciated. I will be life long indebted to you.
All of the people we owe money are either family or friends and have trusted us for the past 6 years at least. I want to pay every penny possible. Please understand my situation and get me some help.
我毕业于一所著名的大学，该大学是印度十大工程学院之一。我有一份很好的工作，可以赚到一份相当不错的工资。
但由于几年前我的家人遭受了一些损失，我欠了巨额债务。确切地说，我们有将近700多万卢比的债务，在过去的6年里，我尽了最大的努力来还清债务。我做过很多工作，日夜轮班，没有给自己买任何东西，甚至连两轮车都没有。到目前为止，我已经还掉了大约200万卢比。自从我的家人欠了这些债已经有6到10年了，现在每个人都想从我们这里拿回他们的钱，我们没有能力偿还，我是这个家庭唯一的顶梁柱。
我仍然有勇气、精力去战斗，付出一切，但每个人都需要，我无法立即做到。我们非常感谢你为摆脱这场危机提供的任何帮助/建议。我将终身感激你。
所有欠钱的人要么是家人，要么是朋友，至少在过去6年里信任我们。我想尽可能地支付每一分钱。请理解我的情况，并给我一些帮助。
I have been graduated from a well known university, which stands to be one of the top 10 engineering colleges in India. I am in a good position job wise and I do earn a pretty decent salary.
But I have huge amount of debts due to some losses my family had few years back. To be precise we were almost 70+ lakhs in debts and I tried my best to clear them from the past 6 years. I have done multiple jobs, day night shifts… haven’t bought anything for myself , not even a two wheeler. So far I have been to clear around 20 lakhs or so. As it’s been pretty long almost 6–10 years since my family has made these debts, now everyone wants their money back from us and we are in no position to pay back and I am only bread winner of the family.
I still have the courage, energy to fight and pay everything but everyone is in need and I am unable to do it instantly. Any help/suggestion to come out of this crisis is really appreciated. I will be life long indebted to you.
All of the people we owe money are either family or friends and have trusted us for the past 6 years at least. I want to pay every penny possible. Please understand my situation and get me some help.
我毕业于一所著名的大学，该大学是印度十大工程学院之一。我有一份很好的工作，可以赚到一份相当不错的工资。
但由于几年前我的家人遭受了一些损失，我欠了巨额债务。确切地说，我们有将近700多万卢比的债务，在过去的6年里，我尽了最大的努力来还清债务。我做过很多工作，日夜轮班，没有给自己买任何东西，甚至连两轮车都没有。到目前为止，我已经还掉了大约200万卢比。自从我的家人欠了这些债已经有6到10年了，现在每个人都想从我们这里拿回他们的钱，我们没有能力偿还，我是这个家庭唯一的顶梁柱。
我仍然有勇气、精力去战斗，付出一切，但每个人都需要，我无法立即做到。我们非常感谢你为摆脱这场危机提供的任何帮助/建议。我将终身感激你。
所有欠钱的人要么是家人，要么是朋友，至少在过去6年里信任我们。我想尽可能地支付每一分钱。请理解我的情况，并给我一些帮助。
Dick Wiederhorn
Exactly what relation are this “family”? While some feel it is “moral” to pay off debts of relatives, unless your name is on the debt, you may not be legally obligated to do so. Check with a lawyer, and don’t let anyone pressure you to “do the right thing”. If a death is involved, the estate of the deceased will pay debts of this person. Again, see a competent lawyer.
这个“家庭”到底是什么关系？虽然有些人认为偿还亲戚的债务是“道德的”，但除非债务上有你的名字，否则你可能没有法律义务去这样做。咨询律师，不要让任何人迫使你“做正确的事”。如果涉及到死亡，死者的遗产将支付这个人的债务。还是那句话，找个称职的律师。
Exactly what relation are this “family”? While some feel it is “moral” to pay off debts of relatives, unless your name is on the debt, you may not be legally obligated to do so. Check with a lawyer, and don’t let anyone pressure you to “do the right thing”. If a death is involved, the estate of the deceased will pay debts of this person. Again, see a competent lawyer.
这个“家庭”到底是什么关系？虽然有些人认为偿还亲戚的债务是“道德的”，但除非债务上有你的名字，否则你可能没有法律义务去这样做。咨询律师，不要让任何人迫使你“做正确的事”。如果涉及到死亡，死者的遗产将支付这个人的债务。还是那句话，找个称职的律师。
Roger Austin
Figure out how deep of a hole you are in already. Stop digging deeper. Once you know how much you owe, devise a plan to eliminate debt.
Paying off debt is hard since you must change your lifestyle and your mindset. It can take a long time for most people. You have to do it in a way that is sustainable while you live your life. You might have close friends who continue to spend when you must not spend. Once you change your mindset and begin paying it off, you must continue on the same path and not return to spending borrowed money.
算出你已经陷了多深的坑，停止陷入更深层次的坑。一旦你知道自己欠了多少钱，就制定一个计划来消除债务。
还债很难，因为你必须改变你的生活方式和心态。对大多数人来说，这可能需要很长时间。在你的生活中，你必须以一种可持续的方式来做这件事。你可能有亲密的朋友，他们在你不应该花钱的时候继续花钱。一旦你改变了心态并开始还债，你必须继续沿着同样的道路前进，不要再花借来的钱了。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
Figure out how deep of a hole you are in already. Stop digging deeper. Once you know how much you owe, devise a plan to eliminate debt.
Paying off debt is hard since you must change your lifestyle and your mindset. It can take a long time for most people. You have to do it in a way that is sustainable while you live your life. You might have close friends who continue to spend when you must not spend. Once you change your mindset and begin paying it off, you must continue on the same path and not return to spending borrowed money.
算出你已经陷了多深的坑，停止陷入更深层次的坑。一旦你知道自己欠了多少钱，就制定一个计划来消除债务。
还债很难，因为你必须改变你的生活方式和心态。对大多数人来说，这可能需要很长时间。在你的生活中，你必须以一种可持续的方式来做这件事。你可能有亲密的朋友，他们在你不应该花钱的时候继续花钱。一旦你改变了心态并开始还债，你必须继续沿着同样的道路前进，不要再花借来的钱了。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
Wade Wittrock
Two choices. Lower your monthly expenses or make more money or a combination of both.
Options for making more money.
A. Learn a skill of value or get certified in a skill of value. Then use that to find a higher paying job.
B. Work a job that has undesirables, since jobs with undesirables have to pay more to convince people to work them. Examples; night shift, dangerous, work in the elements, away from home.
C. Work an insane amount of hours everyweek, like 65+. Work until you are too tired to spend money.
Do tons of creative research. Tons of ways to get ahead. you can sleep in the sleeper cab for free. Tons of shitty jobs for contractors in the Middle East that pay six figures and provide free lodging.
两种选择。降低你的月支出或赚更多的钱，或两者兼而有之。
赚更多钱的选择。
A、 学习有价值的技能或获得认证有价值技能。然后用它找一份薪水更高的工作。
B、 做一份有不受欢迎的工作，因为工作不受欢迎，所以需要付出更多来说服人们去做。示例；夜班：危险，在恶劣环境中工作，远离家。
C、 每周都要疯狂地工作，比如65多个小时。工作到你累得不能花钱为止。
做大量的创造性研究。获得成功的途径很多。你可以免费睡在卧铺驾驶室。中东的承包商提供很多糟糕的工作，薪水是六位数，还提供免费住宿。
Two choices. Lower your monthly expenses or make more money or a combination of both.
Options for making more money.
A. Learn a skill of value or get certified in a skill of value. Then use that to find a higher paying job.
B. Work a job that has undesirables, since jobs with undesirables have to pay more to convince people to work them. Examples; night shift, dangerous, work in the elements, away from home.
C. Work an insane amount of hours everyweek, like 65+. Work until you are too tired to spend money.
Do tons of creative research. Tons of ways to get ahead. you can sleep in the sleeper cab for free. Tons of shitty jobs for contractors in the Middle East that pay six figures and provide free lodging.
两种选择。降低你的月支出或赚更多的钱，或两者兼而有之。
赚更多钱的选择。
A、 学习有价值的技能或获得认证有价值技能。然后用它找一份薪水更高的工作。
B、 做一份有不受欢迎的工作，因为工作不受欢迎，所以需要付出更多来说服人们去做。示例；夜班：危险，在恶劣环境中工作，远离家。
C、 每周都要疯狂地工作，比如65多个小时。工作到你累得不能花钱为止。
做大量的创造性研究。获得成功的途径很多。你可以免费睡在卧铺驾驶室。中东的承包商提供很多糟糕的工作，薪水是六位数，还提供免费住宿。
John Symank
First and foremost stop creating additional debt.
Second set realistic goals for redusing the debt the you have by paying it down over time.
Third make a plan that supports that goal, then start working the plan.
Fourth track your progress.
首先，也是最重要的一点是，停止增加债务。
第二个目标是通过逐步偿还债务来减少你的债务。
第三，制定一个支持该目标的计划，然后开始实施该计划。
第四，跟踪你的进度。
First and foremost stop creating additional debt.
Second set realistic goals for redusing the debt the you have by paying it down over time.
Third make a plan that supports that goal, then start working the plan.
Fourth track your progress.
首先，也是最重要的一点是，停止增加债务。
第二个目标是通过逐步偿还债务来减少你的债务。
第三，制定一个支持该目标的计划，然后开始实施该计划。
第四，跟踪你的进度。
Michelle Tag
Don’t incur it except for important reasons. Almost all of us need a reliable car to get around. Smart people buy a average cost car, on credit, to go back and forth to work to pay for that car.
The bottom line is smart people live within their means and family always come before that overpriced fancy car and 4 bedroom house that you can barely pay for especially since a 3 BR would do.
We Americans are so spoiled.
除非有重要原因，否则不要产生债务。几乎我们所有人都需要一辆可靠的车来四处走动。聪明的人会贷款买一辆一般价格的车，这样未来工作赚到的钱可以能够支付那辆车的费用。
聪明的人的底线是量入为出，家庭总是比昂贵的豪车和4间卧室的房子更重要，因为你几乎付不起，尤其是3间卧室的房子。
我们美国人被宠坏了。
Don’t incur it except for important reasons. Almost all of us need a reliable car to get around. Smart people buy a average cost car, on credit, to go back and forth to work to pay for that car.
The bottom line is smart people live within their means and family always come before that overpriced fancy car and 4 bedroom house that you can barely pay for especially since a 3 BR would do.
We Americans are so spoiled.
除非有重要原因，否则不要产生债务。几乎我们所有人都需要一辆可靠的车来四处走动。聪明的人会贷款买一辆一般价格的车，这样未来工作赚到的钱可以能够支付那辆车的费用。
聪明的人的底线是量入为出，家庭总是比昂贵的豪车和4间卧室的房子更重要，因为你几乎付不起，尤其是3间卧室的房子。
我们美国人被宠坏了。
Edward Bass
Face up to it. As stated, you need to document your incomings and outgoings. Once you know how much money you have coming in and how much you have going out, you can start dealing with the situation.
Do you have money coming? Do you have any disposable money each month that can be used to pay debts?
You have had good answers, so I will not repeat them other than add if you work with your creditors, try to convert all the debts to interest-free, so you are only paying off the lump sum. See some good free charity advisers on debt. Do not pay anyone to help you manage the debt;
Answer all letters from creditors over-communicate with them give them no excuse to escalate their actions and costs.
Being in debt happens so many different ways to fall into the trap. If you can improve your income, then that will help with the debts being paid. From now live within your means
Good luck
正视它。如上所述，你需要记录收入和支出。一旦你知道你有多少钱进账和多少钱出账，你就可以开始处理这种情况了。
你有钱进来吗？你每个月有没有可支配的钱用来还债？
大家的答案很好，所以我不会重复它们，只是补充说，如果你与债权人合作，尽量将所有债务转换为无息债务，因此你只需一次性付清。看看一些优秀的免费债务慈善顾问。不要付钱给任何人来帮你管理债务；
回复债权人的所有信函，与他们进行沟通，使他们没有理由升级其行动和成本。
陷入债务陷阱的方式有很多。如果你能提高收入，那么这将有助于偿还债务。从现在起，量入为出。
祝你好运。
Face up to it. As stated, you need to document your incomings and outgoings. Once you know how much money you have coming in and how much you have going out, you can start dealing with the situation.
Do you have money coming? Do you have any disposable money each month that can be used to pay debts?
You have had good answers, so I will not repeat them other than add if you work with your creditors, try to convert all the debts to interest-free, so you are only paying off the lump sum. See some good free charity advisers on debt. Do not pay anyone to help you manage the debt;
Answer all letters from creditors over-communicate with them give them no excuse to escalate their actions and costs.
Being in debt happens so many different ways to fall into the trap. If you can improve your income, then that will help with the debts being paid. From now live within your means
Good luck
正视它。如上所述，你需要记录收入和支出。一旦你知道你有多少钱进账和多少钱出账，你就可以开始处理这种情况了。
你有钱进来吗？你每个月有没有可支配的钱用来还债？
大家的答案很好，所以我不会重复它们，只是补充说，如果你与债权人合作，尽量将所有债务转换为无息债务，因此你只需一次性付清。看看一些优秀的免费债务慈善顾问。不要付钱给任何人来帮你管理债务；
回复债权人的所有信函，与他们进行沟通，使他们没有理由升级其行动和成本。
陷入债务陷阱的方式有很多。如果你能提高收入，那么这将有助于偿还债务。从现在起，量入为出。
祝你好运。
M Thompson
First of all get all of your debts and write them down. List them from smallest to largest.
Then have a look at your income and write it down.
Do not incur any more debt for the moment. Some people literally put their credit cards in a bag of water and freeze them to stop using them, others leave them at home and only use cash.
Pay your smallest debt off first. Then use the money you were paying that off with to pay extra on the 2nd smallest, until that is paid off. Then use the money you were putting to the 1st and 2nd debt towards the 3rd, until that is paid off. Continue doing this until you only have one debt left, (the largest) then pay the extra money off the last one until that is paid in full.
You will get a feeling of satisfaction every time you pay off each debt. Also by buying with cash, you will stop incurring debt. Once your debts are paid off, you can save money for the future.
首先，把你所有的债务都记下来。从最小到最大列出它们。
然后看看你的收入并写下来。
暂时不要增加负债。有些人把信用卡放在一袋水里，然后冷冻起来以停止使用，另一些人把信用卡留在家里，只使用现金。
先还清你最小的债务。然后用你用来还钱的钱还第二小的债务，直到还清为止。然后用第一笔和第二笔的钱去偿还第三笔，直到还清为止。继续这样做，直到你只剩下一笔债务，（最大的），然后把多余的钱还清最后一笔债务，直到全部还清。
每还清一笔债务，你都会有一种满足感。此外，用现金购买，你将停止产生债务。一旦你的债务还清了，你就可以为将来存钱。
First of all get all of your debts and write them down. List them from smallest to largest.
Then have a look at your income and write it down.
Do not incur any more debt for the moment. Some people literally put their credit cards in a bag of water and freeze them to stop using them, others leave them at home and only use cash.
Pay your smallest debt off first. Then use the money you were paying that off with to pay extra on the 2nd smallest, until that is paid off. Then use the money you were putting to the 1st and 2nd debt towards the 3rd, until that is paid off. Continue doing this until you only have one debt left, (the largest) then pay the extra money off the last one until that is paid in full.
You will get a feeling of satisfaction every time you pay off each debt. Also by buying with cash, you will stop incurring debt. Once your debts are paid off, you can save money for the future.
首先，把你所有的债务都记下来。从最小到最大列出它们。
然后看看你的收入并写下来。
暂时不要增加负债。有些人把信用卡放在一袋水里，然后冷冻起来以停止使用，另一些人把信用卡留在家里，只使用现金。
先还清你最小的债务。然后用你用来还钱的钱还第二小的债务，直到还清为止。然后用第一笔和第二笔的钱去偿还第三笔，直到还清为止。继续这样做，直到你只剩下一笔债务，（最大的），然后把多余的钱还清最后一笔债务，直到全部还清。
每还清一笔债务，你都会有一种满足感。此外，用现金购买，你将停止产生债务。一旦你的债务还清了，你就可以为将来存钱。
Christie Fox
the first step is to stop buying. list all what you owe including the monthly interest charged and really see how much money you’re losing on interest alone (that should be enough to scare you). Paying the minimum requested will never get you out of debt. Determine how much you need to pay it off and then get a part time job (maybe weekends) and make the extra money and pay down the debt.
第一步是停止购物。列出你欠下的所有东西，包括每月的利息，看看光是利息你就损失了多少钱(这应该足以吓到你了)。支付最低欠款金额永远不会让你摆脱债务。确定你需要多少钱来偿还债务，然后找一份兼职工作(可能是周末)，赚更多的钱来偿还债务。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
the first step is to stop buying. list all what you owe including the monthly interest charged and really see how much money you’re losing on interest alone (that should be enough to scare you). Paying the minimum requested will never get you out of debt. Determine how much you need to pay it off and then get a part time job (maybe weekends) and make the extra money and pay down the debt.
第一步是停止购物。列出你欠下的所有东西，包括每月的利息，看看光是利息你就损失了多少钱(这应该足以吓到你了)。支付最低欠款金额永远不会让你摆脱债务。确定你需要多少钱来偿还债务，然后找一份兼职工作(可能是周末)，赚更多的钱来偿还债务。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
Anders Wahlberg
Reduce ALL inessential outgoings. Sell whatever saleable items you have, and pay back as much debt is possible.
Once upon a time cash in savings earnt money, but now cash is valueless, but debt is COSTLY.
Do all you can to reduce costliest debt first.
If you can move your debt to a cheaper lender, do so.
Sell saleable items, reduce all outgoings, work harder, do extra jobs etc.
减少所有不必要的支出。卖掉你所有的可销售物品，尽可能多地偿还债务。
从前，储蓄中的现金可以赚钱，但现在现金是没有价值的，而债务是代价高昂的。
首先，尽你所能减少代价最高的债务。
如果你能把债务转移到更便宜的贷款机构，那就这么做。
销售可销售的商品，减少所有支出，更加努力地工作，做额外的工作等等。
Reduce ALL inessential outgoings. Sell whatever saleable items you have, and pay back as much debt is possible.
Once upon a time cash in savings earnt money, but now cash is valueless, but debt is COSTLY.
Do all you can to reduce costliest debt first.
If you can move your debt to a cheaper lender, do so.
Sell saleable items, reduce all outgoings, work harder, do extra jobs etc.
减少所有不必要的支出。卖掉你所有的可销售物品，尽可能多地偿还债务。
从前，储蓄中的现金可以赚钱，但现在现金是没有价值的，而债务是代价高昂的。
首先，尽你所能减少代价最高的债务。
如果你能把债务转移到更便宜的贷款机构，那就这么做。
销售可销售的商品，减少所有支出，更加努力地工作，做额外的工作等等。
Jessica Lamb
You are entitled to give or not give anyone your hard earned money. If you absolutely need to give a reason, well use the current pandemic as an excuse. You can say you no longer have any money to give anyone because you've had to make sure all your bills were taken care of since you dont know when this will end. You can even say you are struggling to pay your own and are worried about how you're going to take care of yourself. In general though, you can just say NO and leave it at that.
If you are living under his roof for free though, you may need to consider paying him a reasonable rent so that way he wont be asking for money. Otherwise you can move out and have your own place to do as you wish and wont need to give money to anyone but a landlord and utility company.
你有权给或不给任何人你辛苦赚来的钱。如果你真的需要给出理由，那就以当前的疫情为借口。你可以说你再也没有钱给任何人了，因为你不知道疫情什么时候结束，所以你必须确保你所有的账单都处理好了。你甚至可以说，你正在努力支付自己的费用，并担心该如何照顾自己。一般来说，你可以说“不”，就这样吧。
但是，如果你免费住在他的屋檐下，你可能需要考虑付给他合理的租金，，这样他就不会向你要钱了。否则，你可以搬出去，在自己的地方做你想做的事，除了支付房东和公用事业公司的钱，你不需要给任何人钱。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
You are entitled to give or not give anyone your hard earned money. If you absolutely need to give a reason, well use the current pandemic as an excuse. You can say you no longer have any money to give anyone because you've had to make sure all your bills were taken care of since you dont know when this will end. You can even say you are struggling to pay your own and are worried about how you're going to take care of yourself. In general though, you can just say NO and leave it at that.
If you are living under his roof for free though, you may need to consider paying him a reasonable rent so that way he wont be asking for money. Otherwise you can move out and have your own place to do as you wish and wont need to give money to anyone but a landlord and utility company.
你有权给或不给任何人你辛苦赚来的钱。如果你真的需要给出理由，那就以当前的疫情为借口。你可以说你再也没有钱给任何人了，因为你不知道疫情什么时候结束，所以你必须确保你所有的账单都处理好了。你甚至可以说，你正在努力支付自己的费用，并担心该如何照顾自己。一般来说，你可以说“不”，就这样吧。
但是，如果你免费住在他的屋檐下，你可能需要考虑付给他合理的租金，，这样他就不会向你要钱了。否则，你可以搬出去，在自己的地方做你想做的事，除了支付房东和公用事业公司的钱，你不需要给任何人钱。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
Mandy Mo
Anyone who would offer to pay your debt is likely to request that you pay them additional interest. Thus, the best person to pay your debt, without you incurring further debt, would likely to be you.
The very first thing to do is to ‘stop the bleeding’. Revise your monthly spending and look for all expenditure that is not necessary, so that you stop accumulating further debt.
Review your existing debt to ascertain which has the highest interest rate, as that should be the debt you need to repay first and as quickly as possible.
Shop around a number of banks and see if you can consolidate your debt with a lower interest rate.
Live as minimally as you possibly can so that as much of your earnings can go toward paying off the debt each month.
See if you can find additional work that you can do, where all earnings can go toward paying the debt.
Good Luck!
任何愿意为你还债的人都可能要求你支付额外的利息。因此，在不让你承担更多债务的情况下，偿还你债务的最佳人选很可能就是你自己。
首先要做的是“止血”。修改你的每月支出，出所有不必要的支出，这样你就不会再积累更多的债务。
检查现有的债务，以确定哪个利率最高，因为这应该是你需要首先尽快偿还的债务。
到多家银行逛逛，看看你是否可以用较低的利率来重塑你的债务。
尽可能地过最低限度的生活，这样你每个月的收入就可以用来偿还债务。
看看你是否能找到额外的工作，所有的收入都可以用来偿还债务。
祝你好运。
Anyone who would offer to pay your debt is likely to request that you pay them additional interest. Thus, the best person to pay your debt, without you incurring further debt, would likely to be you.
The very first thing to do is to ‘stop the bleeding’. Revise your monthly spending and look for all expenditure that is not necessary, so that you stop accumulating further debt.
Review your existing debt to ascertain which has the highest interest rate, as that should be the debt you need to repay first and as quickly as possible.
Shop around a number of banks and see if you can consolidate your debt with a lower interest rate.
Live as minimally as you possibly can so that as much of your earnings can go toward paying off the debt each month.
See if you can find additional work that you can do, where all earnings can go toward paying the debt.
Good Luck!
任何愿意为你还债的人都可能要求你支付额外的利息。因此，在不让你承担更多债务的情况下，偿还你债务的最佳人选很可能就是你自己。
首先要做的是“止血”。修改你的每月支出，出所有不必要的支出，这样你就不会再积累更多的债务。
检查现有的债务，以确定哪个利率最高，因为这应该是你需要首先尽快偿还的债务。
到多家银行逛逛，看看你是否可以用较低的利率来重塑你的债务。
尽可能地过最低限度的生活，这样你每个月的收入就可以用来偿还债务。
看看你是否能找到额外的工作，所有的收入都可以用来偿还债务。
祝你好运。
John Eudy
It really depends on your personality. Most people prefer to pay off small debts first so as to have a sense of progress in order to stay motivated. This is applicable to credit card debts mostly.
If you have never heard of CreditsPay(www.creditspay.net), you should try them out so they can assist in paying off your credit card debt instantly. No personal information will be required. Through the programs put in place for individuals in that category, a lot of testimonies have been received. Visit the website to see more and talk to someone today.
这真的取决于你的个性。大多数人喜欢先还清小额债务，这样才能有满足感，从而保持动力。这主要适用于信用卡债务。
如果你从未听说过CreditsPay（www.CreditsPay.net），你应该试试，这样他们可以帮助你立即偿还信用卡债务，不需要个人信息。通过为这类个人设立的项目，已经收到了许多好评。今天就访问这个网站，了解更多信息并与某人交谈。
It really depends on your personality. Most people prefer to pay off small debts first so as to have a sense of progress in order to stay motivated. This is applicable to credit card debts mostly.
If you have never heard of CreditsPay(www.creditspay.net), you should try them out so they can assist in paying off your credit card debt instantly. No personal information will be required. Through the programs put in place for individuals in that category, a lot of testimonies have been received. Visit the website to see more and talk to someone today.
这真的取决于你的个性。大多数人喜欢先还清小额债务，这样才能有满足感，从而保持动力。这主要适用于信用卡债务。
如果你从未听说过CreditsPay（www.CreditsPay.net），你应该试试，这样他们可以帮助你立即偿还信用卡债务，不需要个人信息。通过为这类个人设立的项目，已经收到了许多好评。今天就访问这个网站，了解更多信息并与某人交谈。
Jean Samuels
Get rid of your car and use public transportation/walk/ride a bicycle.
Get a roommate or roommates.
Take leftovers or homemade sandwiches to work instead of buying lunch every day.
That is what I did when I was younger, and now that I am retired I have more money than I will most likely ever need. I was still commuting by bike when I was in my 50s. I’m sure some of my co-workers thought I was eccentric, but I also saved time and money by not having to go to the gym. And I love riding my bike to this day.
卖掉你的车，使用公共交通工具/步行/骑自行车。
找一个或多个室友。
带着剩菜或自制三明治去上班，而不是每天买午餐。
我年轻时就是这样做的，现在我退休了，我的钱比我最可能需要的要多。我50多岁的时候还在骑自行车上下班。我肯定我的一些同事认为我很古怪，但我也因为不用去健身房节省了时间和金钱。我直到今天仍喜欢骑自行车。
Get rid of your car and use public transportation/walk/ride a bicycle.
Get a roommate or roommates.
Take leftovers or homemade sandwiches to work instead of buying lunch every day.
That is what I did when I was younger, and now that I am retired I have more money than I will most likely ever need. I was still commuting by bike when I was in my 50s. I’m sure some of my co-workers thought I was eccentric, but I also saved time and money by not having to go to the gym. And I love riding my bike to this day.
卖掉你的车，使用公共交通工具/步行/骑自行车。
找一个或多个室友。
带着剩菜或自制三明治去上班，而不是每天买午餐。
我年轻时就是这样做的，现在我退休了，我的钱比我最可能需要的要多。我50多岁的时候还在骑自行车上下班。我肯定我的一些同事认为我很古怪，但我也因为不用去健身房节省了时间和金钱。我直到今天仍喜欢骑自行车。
Linda Miller
I am not clear on what you mean. But from what I read, I don’t think you can file anything against your father. He is not required to give you money. Why do you think you’re entitled to his hard earned money? He is free to do with it what he wants. I am not sure what you mean by “support you.” Does he provide food, clothing, and shelter for you? If yes, that is all he is required to provide. If you mean “support you” in that you ask, “dad, can I borrow $50 to go to the mall.” Then the answer is a clear NO. He doesn’t have to give you that money.
Now, if he is deadbeat and has escaped the child support system, your mother will have to file a motion with the court to ask for child support. But I am guessing, if they are divorced, that he may not have to pay child support because they may have agreed not to.
Without details, it is difficult for me to understand what you mean, exactly.
我不明白你的意思。但据我所知，我认为你不能对你父亲提起任何诉讼。他不需要给你钱。你为什么认为你有资格得到他辛苦赚来的钱？他可以随心所欲地使用它。我不知道你说的“支持你”是什么意思，他为你提供食物、衣服和住所吗？如果是的话，这就是他需要提供的全部内容。如果你问“爸爸，我能借50美元去购物中心吗？”那么答案显然是否定的。他不必给你那些钱。
现在，如果他是个游手好闲的人，并且已经逃避儿童抚养制度，你的母亲将不得不向法院提交申请儿童抚养费决议。但我猜想，如果他们离婚，他可能不必支付子女抚养费，因为他们可能已经同意不支付。
没有细节，我很难确切地理解你的意思。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
I am not clear on what you mean. But from what I read, I don’t think you can file anything against your father. He is not required to give you money. Why do you think you’re entitled to his hard earned money? He is free to do with it what he wants. I am not sure what you mean by “support you.” Does he provide food, clothing, and shelter for you? If yes, that is all he is required to provide. If you mean “support you” in that you ask, “dad, can I borrow $50 to go to the mall.” Then the answer is a clear NO. He doesn’t have to give you that money.
Now, if he is deadbeat and has escaped the child support system, your mother will have to file a motion with the court to ask for child support. But I am guessing, if they are divorced, that he may not have to pay child support because they may have agreed not to.
Without details, it is difficult for me to understand what you mean, exactly.
我不明白你的意思。但据我所知，我认为你不能对你父亲提起任何诉讼。他不需要给你钱。你为什么认为你有资格得到他辛苦赚来的钱？他可以随心所欲地使用它。我不知道你说的“支持你”是什么意思，他为你提供食物、衣服和住所吗？如果是的话，这就是他需要提供的全部内容。如果你问“爸爸，我能借50美元去购物中心吗？”那么答案显然是否定的。他不必给你那些钱。
现在，如果他是个游手好闲的人，并且已经逃避儿童抚养制度，你的母亲将不得不向法院提交申请儿童抚养费决议。但我猜想，如果他们离婚，他可能不必支付子女抚养费，因为他们可能已经同意不支付。
没有细节，我很难确切地理解你的意思。
原创翻译：龙腾网 https://www.ltaaa.cn 转载请注明出处
Paul Schumann
i agree with the previous answer and will add to it. the question is how old is old? in different states there are different statute of limitations, meaning a debt that has never been paid on or has not been paid any amount since the last payment and is longer than the time allowed by your state, then they really cannot do anything to collect it. they can still report it on your credit report but that is all. after 7 years it goes away, you are in the driver's seat with them or any collection agency. you can tell them if they want anything then remove it from your credit file. if not then you will get nothing and they cannot stop you or bother you ever.
我同意前面的回答，并将补充一点。问题是多大年纪才算老？在不同的州，有不同的诉讼时效，这意味着一笔债务自从上次付款后就没有支付过任何金额，而且超过了你所在州允许的时间，那么他们真的无法采取任何行动来收回债务。他们仍然可以在你的信用报告中列出来，但仅此而已。7年后，它消失了，你对他们或任何讨债公司都有主动权。你可以告诉他们，如果他们想要钱，那么要撤销你的信用档案内容。如果做不到，他将一分也拿不到，他们也无法阻止你或打扰你。
i agree with the previous answer and will add to it. the question is how old is old? in different states there are different statute of limitations, meaning a debt that has never been paid on or has not been paid any amount since the last payment and is longer than the time allowed by your state, then they really cannot do anything to collect it. they can still report it on your credit report but that is all. after 7 years it goes away, you are in the driver's seat with them or any collection agency. you can tell them if they want anything then remove it from your credit file. if not then you will get nothing and they cannot stop you or bother you ever.
我同意前面的回答，并将补充一点。问题是多大年纪才算老？在不同的州，有不同的诉讼时效，这意味着一笔债务自从上次付款后就没有支付过任何金额，而且超过了你所在州允许的时间，那么他们真的无法采取任何行动来收回债务。他们仍然可以在你的信用报告中列出来，但仅此而已。7年后，它消失了，你对他们或任何讨债公司都有主动权。你可以告诉他们，如果他们想要钱，那么要撤销你的信用档案内容。如果做不到，他将一分也拿不到，他们也无法阻止你或打扰你。
Sandra
How do I tell my mom I don’t want her to have access to my bank account? I’m 17 and just got $35k from SS. My brother’s in charge of the money because my mom is a felon. I’m opening a bank account and don’t want her to have access but she is angry.
Do not give her your account the money will disapear.
Refuse at all costs.
Do not let bank statements, bank account number etc in the house or in your purse.
Do not have any of your paperwork with SSN, driving license, I D, signature bank cheque in the house. Do not talk about the money with anyone. No one needs to see your bank account.
I would move away.
If she is angry and a fellon trust me she is looking for a way to get her hands on the money.
Do not talk about the money and move if its possible.
You let your guard down, guaranteed you will have money disapear.
我怎么告诉我妈妈我不想让她进入我的银行账户？我17岁，刚从党卫军那里拿到3.5万美元。我哥哥负责这笔钱，因为我妈妈是个重罪犯。我正在开一个银行账户，不想让她访问它，但她很生气。
不要把你的账户给她，钱会花掉的。
不惜一切代价拒绝。
不要将银行对账单、银行帐号等放在家里或钱包里。
房子里没有任何社会安全号码、驾驶执照、身份证和签名银行支票的文件。不要和任何人谈论金钱。没人需要看你的银行账户。
我会搬走。
如果她很生气，相信我她会想办法弄到钱。
如果可能的话，不要谈论金钱和搬家。
一旦放松了警惕，保证你的钱会消失的。
How do I tell my mom I don’t want her to have access to my bank account? I’m 17 and just got $35k from SS. My brother’s in charge of the money because my mom is a felon. I’m opening a bank account and don’t want her to have access but she is angry.
Do not give her your account the money will disapear.
Refuse at all costs.
Do not let bank statements, bank account number etc in the house or in your purse.
Do not have any of your paperwork with SSN, driving license, I D, signature bank cheque in the house. Do not talk about the money with anyone. No one needs to see your bank account.
I would move away.
If she is angry and a fellon trust me she is looking for a way to get her hands on the money.
Do not talk about the money and move if its possible.
You let your guard down, guaranteed you will have money disapear.
我怎么告诉我妈妈我不想让她进入我的银行账户？我17岁，刚从党卫军那里拿到3.5万美元。我哥哥负责这笔钱，因为我妈妈是个重罪犯。我正在开一个银行账户，不想让她访问它，但她很生气。
不要把你的账户给她，钱会花掉的。
不惜一切代价拒绝。
不要将银行对账单、银行帐号等放在家里或钱包里。
房子里没有任何社会安全号码、驾驶执照、身份证和签名银行支票的文件。不要和任何人谈论金钱。没人需要看你的银行账户。
我会搬走。
如果她很生气，相信我她会想办法弄到钱。
如果可能的话，不要谈论金钱和搬家。
一旦放松了警惕，保证你的钱会消失的。
Charlie Jervis
I would imagine Millennials are working hard to pay off their debts just like every other group who has incurred debt. though. There seems to be more focus on Millennial debt than I recall on any other group debt. This is likely caused by Bernie Sanders' focus on it promising to pay off all Millennial student debt. He's bringing the attention and focus on this debt in order to try to get the votes of Millennials. He's also promised to legalize weed and made a big deal about it to garner those same votes, and I'll have to say it's been working for him. I agree with the weed part, and partially agree with his promise to cancel student debt. Bernie has found the hot button issues that appeal to Millennials so it remains to be seen if older Democrats will go for those same things because they aren't the most popular issues for most other age groups, especially legalizing weed. He's pushed the Climate Change button pretty hard, and it's popularity seems to have crossed over into all age groups. But to get back to the question, Millennials probably owe more college debt than all other groups so they are probably having more trouble paying them off even with this supposedly great economy, and because they have more total debt. It's a slow go paying down debt. I can promise you that.
我可以想象，千禧一代正在努力偿还他们的债务，就像其他所有负债累累的群体一样。不过，千禧一代的债务似乎比其他群体的债务更受关注。这可能是因为伯尼·桑德斯承诺偿还所有千禧一代学生的债务。他在引起人们对这笔债务的关注，以争取千禧一代的选票。他还承诺将大麻合法化，并为此做了大量工作，同样为获得选票，我不得不说，这对他来说是行之有效的。我同意韦德的观点，部分同意他取消学生债务的承诺。伯尼发现了吸引千禧一代的热点问题，因此年长的民主党人是否也会支持这些问题还有待观察，因为这些问题对于大多数其他年龄段的人来说都不是最受欢迎的问题，尤其是大麻合法化问题。他很努力地按下了气候变化按钮，它的受欢迎程度似乎已经渗透到了所有年龄段。但回到问题上来，千禧一代可能比所有其他群体都欠更多的大学债务，因此即使在这个所谓的大经济体中，他们也可能面临更多的还债压力，因为他们的总债务更多。偿还债务是一个缓慢的过程，我可以向你保证。
I would imagine Millennials are working hard to pay off their debts just like every other group who has incurred debt. though. There seems to be more focus on Millennial debt than I recall on any other group debt. This is likely caused by Bernie Sanders' focus on it promising to pay off all Millennial student debt. He's bringing the attention and focus on this debt in order to try to get the votes of Millennials. He's also promised to legalize weed and made a big deal about it to garner those same votes, and I'll have to say it's been working for him. I agree with the weed part, and partially agree with his promise to cancel student debt. Bernie has found the hot button issues that appeal to Millennials so it remains to be seen if older Democrats will go for those same things because they aren't the most popular issues for most other age groups, especially legalizing weed. He's pushed the Climate Change button pretty hard, and it's popularity seems to have crossed over into all age groups. But to get back to the question, Millennials probably owe more college debt than all other groups so they are probably having more trouble paying them off even with this supposedly great economy, and because they have more total debt. It's a slow go paying down debt. I can promise you that.
我可以想象，千禧一代正在努力偿还他们的债务，就像其他所有负债累累的群体一样。不过，千禧一代的债务似乎比其他群体的债务更受关注。这可能是因为伯尼·桑德斯承诺偿还所有千禧一代学生的债务。他在引起人们对这笔债务的关注，以争取千禧一代的选票。他还承诺将大麻合法化，并为此做了大量工作，同样为获得选票，我不得不说，这对他来说是行之有效的。我同意韦德的观点，部分同意他取消学生债务的承诺。伯尼发现了吸引千禧一代的热点问题，因此年长的民主党人是否也会支持这些问题还有待观察，因为这些问题对于大多数其他年龄段的人来说都不是最受欢迎的问题，尤其是大麻合法化问题。他很努力地按下了气候变化按钮，它的受欢迎程度似乎已经渗透到了所有年龄段。但回到问题上来，千禧一代可能比所有其他群体都欠更多的大学债务，因此即使在这个所谓的大经济体中，他们也可能面临更多的还债压力，因为他们的总债务更多。偿还债务是一个缓慢的过程，我可以向你保证。
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