Author: Noel Hynes 作者：诺埃海因斯
Article source: http://www.hotlib.com/ . 文章来源： http://www.hotlib.com/ 。 Used with author's permission. 用作者的许可。 There is almost nothing more troublesome than having too much debt to pay each month.目前几乎没有什么更多的麻烦超过了太多的债务支付每月。 Consumers incur debt for many different reasons.消费者债务承担许多不同的原因。 Sometimes illness, accidents, or just bad luck can make it seem impossible to get finances under control.有时，疾病，意外事故，或者只是运气不好可以使它似乎不可能获得财政的控制。 Other times it is simply because we spend more money than we earn.其他时候它仅仅是因为我们花更多的钱比我们赚的多。 The first step toward taking control of your financial situation is to learn how to eliminate your credit card debt.第一步采取控制自己的财政状况，以了解如何消除您的信用卡债务。 Develop a budget.制定预算。 Start by listing all sources of income.首先列出所有的收入来源。 First list fixed expenses such as mortgage payments, insurance premiums, and auto loans.首先清单固定开支，如按揭付款，保险费和汽车贷款。 Next, list the expenses that vary from month to month such as utility bills, recreation and clothing.下一步，列出不同的费用每月如电费，娱乐和服装。 If there is any hope of controlling your credit card debt you must create and stick to a budget.如果有任何希望控制您的信用卡债务您必须建立和坚持以预算。 There are different kinds of debts.有不同种类的债务。 Mortgages and auto loans are debts secured by collateral.抵押贷款和汽车贷款的债务担保的抵押品。 In the event of default on a secured debt, a lender may foreclose on your home or repossess your car.在违约事件，对有担保的债务，贷款人可能会取消对您的家庭或收回你的车。 Unsecured debts are loans with no collateral and often have variable interest rates and are assessed a fee for late payments.无担保的债务是贷款，没有担保，往往有可变利率和评估费迟缴。 In the event of default on an unsecured debt a lender may report to a credit-reporting agency, contact the debtor repeatedly by mail or telephone, and in general make life miserable for those who find themselves in financial trouble.在违约事件的无担保债务贷款人可向信用报告机构，联络债务人多次通过邮寄或电话，和一般的生活悲惨的人谁发现自己的财政困难。 If you are among the millions who have found themselves in a financial crisis, consider your options - budgeting, debt consolidation, or bankruptcy.如果你是数以百万计谁发现自己在金融危机中，考虑你的选择-预算，债务合并，或破产。 Which works best for you?其中最适合你呢？ It depends on your level of self-discipline, how much debt you have, and your future financial prospects.这取决于你的水平，自律，有多少债务您，您的未来的财政前景。 While eliminating debt may seem next to impossible, your life does not have to go from bad to worse.同时消除债务可能旁边似乎不可能的，你的生活并没有去每况愈下。 Self-help may be the easiest, cheapest way to eliminate debt.自助可能是最简便，最便宜的方法来消除债务。 First, stop charging now.首先，现在停止收费。 Incurring more debt will only compound the problem.承担更多的债务只会加剧问题。 Make a list of all your credit card bills starting with the smallest.列出您所有的信用卡账单开始最小。 Pay as much above the minimum payment as you can afford on the card with the lowest balance.支付远高于支付的最低你不能在卡片上最低的平衡。 Continue until this debt is paid in full, and then proceed to the next card.继续下去，直到债务全部付清，然后进行下一个卡。 Systematically paying off your credit cards one by one will reduce your debts dramatically.系统回报您的信用卡逐一将减少你的债务急剧下降。 The fastest way to eliminate credit card debt is to put every penny you can towards paying off your credit cards.最快的方法，以消除信用卡债务是把每一分钱您就可以实现回报您的信用卡。 Do not underestimate the effect an extra five or ten dollars paid repeatedly over time can have on eliminating debt.不要低估的影响额外的5年或10美元支付一再随着时间的推移可以消除债务。 You may be able to reduce the amount of your combined monthly payments and lower the interest rate by obtaining a home equity line of credit or a second mortgage.您可以减少您的合并每月付款和较低的利率获得房屋净值信用额度或第二抵押贷款。 Think carefully before taking this route.想想前仔细考虑这条路线。 Your home becomes collateral with these loans.您的家庭成为这些抵押贷款。 If you make late payments or miss payments you could lose your home.如果你迟缴或错过付款可能会失去您的家庭。 These types of loans may provide certain tax advantages but the fees can really add up.这些类型的贷款可以提供一定的税收优惠，但手续费才能真正增加。 The same goes for debt consolidation.同样的问题也存在债务合并。 You eliminate or reduce interest rates and the amount of your monthly payments, but the length of the contract and the fees can be more than your original debt.您消除或降低利率和数量的每月付款，但合同时间的长短和费用可以超过您最初的债务。 As a last resort, bankruptcy could be considered.作为最后的手段，破产可以考虑。 A bankruptcy remains on your credit report for 10 years, making it difficult to obtain credit, get life insurance, or buy a home.破产是在您的信用报告为10年，因此很难获得贷款，获得生命保险，或买回家。 However, it can be a fresh start for those who cannot otherwise satisfy their debts.然而，它可以是一个新的开始对于那些没有谁可以另行满足他们的债务。 About The Author作者简介 Noel Hynes is the owner of http://1st-for-credit-cards.com .诺埃是海因斯的主人http://1st-for-credit-cards.com 。 Easy online credit card applications.轻松网上信用卡申请。
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