1. Stop Using It
1. 停止欠债
In order to completely become debt-free, you have to make a commitment to stop using debt - of any kind. That means no more credit cards, no more taking out loans of any kind, and no more borrowing money from a relative.
为了还清欠款,你必须发誓不再欠债。这就意味着你将没有信用卡、不能贷款、也不能和亲戚借钱。
It'll be scary at first, like real scary. You'll feel a little panic like you won't know what to do if this or that happens, which is why you must do step two . . .
刚开始的时候十分可怕,真的很可怕。你会感到不知所措,发生事情时,你不知道该做些什么,因此你必须采取第二步……
2. Start Saving
2. 开始省钱
Trust me when I tell you this - once you make the declaration to become debt-free, all of a sudden all these worries and panic will hit you. You'll start worrying how you'll pay to fix the car when it breaks down or how you'll pay your insurance deductible if an emergency happens. This is why you must absolutely start building up an emergency fund.
这点你该相信我--一旦你决定不再欠债,担心和恐慌会突然间向你袭来。你会开始担心如果车出了故障你该从哪拿钱修车,又或是如果发生了紧急情况,你又该如何支付自负额保险。正因如此,你才必须建立应急基金。
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