For a few days I held it together. I painted the rooms myself, got a book and figured out some very basic principles of plumbing and wiring. Now that I was in debt I figured I should live on the cheap, something I didn't do as a rule. (I might not spend more than what I had, but I was perfectly capable of spending what I had). Then I got my booklet of payment coupons.
接下来的几天,我回过了神。我自己粉刷了房间,我还弄来了一本书,搞清楚了一些关于管道和布线的非常基础的原则。现在我已经负债了,于是我想我应该节俭过日子,尽管这并不是我平常的生活方式。(我或许不会花钱透支,但我完全能够有多少就花多少。)然后,我收到了我的利息单。
You may think it odd that a person could reach the age of 36 without having any understanding of how loan payments worked─that in those early and middle years a person is only paying off the interest─but these were the facts of life I had so assiduously shielded myself from. I called my stepsister, who is also my friend and my real-estate agent, and asked how this was possible. 'All those people with houses are just paying off interest?' I asked her incredulously. She told me yes, for the most part. She told me that this was the way of the world.
也许你会认为,一个人竟然活到了36岁还对还贷的运作方式──人们在还贷的早期和中期只是还清利息──一无所知真是非常奇怪,但是这些正是我之前一直非常努力避免让自己接触的生活现实。我打电话给我的继妹(她也是我的朋友及房产经纪人),向她询问还贷怎么可能是这样的。我难以相信地问道:“所有那些有房的人都是先还清利息吗?她告诉我,大多数人情况确实如此,还对我说世道就是这样。
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