If you are already working 40 hours a week, consider a part-time job or side business. Above all, focus on increasing the value you bring to the market. 考虑一下所有可以增加你时间的选择。如果你已经完成了这四个小时的工作，考虑一下兼职或者副业。

As you build your value, your income will follow. 最重要的是,专注于提高你给市场带来的价值。只要你创造了价值，你就会有收入。

7. Use cash instead of credit cards. Keep one card and use it only for emergencies or major necessities, such as your furnace or air conditioner breaking down. 7.使用现金而不是信用卡。保持使用一个卡,使用它只用于紧急情况或重大生活必需品,比如你的炉或空调坏掉。

Put your credit card in a safe place and make a commitment not to use it for everyday purchases. 把你的信用卡放在一个安全的地方,并承诺日常生活不去使用它。

Do not accept credit increases or cards from other credit card companies. 不接受其他信用卡公司信贷或者增加信用卡。

8. Change your habits. Take a minute and consider some of your expensive habits such as eating out, having an afternoon latte, 8.改变你的习惯。花一分钟,考虑你的一些花钱的习惯，例如外出就餐,下午拿铁咖啡,

drinking a diet soda every day, browsing through stores, or drinking with your friends after work. These little expenditures add up to big dollars. 每天喝无糖汽水，浏览商店或者工作之后和你的朋友一起喝酒。这些小支出加起来就是大元。

9. Pay off your debt with the highest interest rate first. Select the bill with the highest interest rate and pay it first. 9.还清你利率最高的债务。选择第一个还清你利率最高的债务。

When it is paid off, close the account so you are not tempted to use it again. 付清时,关闭帐户,你不要尝试再次使用它。

Continue this process, one account at a time, until all your accounts are paid in full. 继续这个过程,一次一个帐户,直到你所有的账户都全部付清。

When using this method, measure your progress by watching your overall debt decrease. 当使用这种方法时,通过观察你的总体债务减少来权衡你的进步。

There are other methods, such as the Debt-snowball Method, but paying your debts with the highest interest rates first is the smartest. 还有其他的方法,如债务雪球的方法,但是最聪明的是首先支付你的债务利率最高的债务。

10. Shop smarter. Stop paying retail prices for anything you buy. Start shopping at discount stores, thrift stores, and resale shops. 10.聪明的购物。停止支付你所有零售价格的东西。开始在折扣店购物,旧货店,转售商店中购买。

Use shopping comparison websites such as Biz Rate, Price Grabber and Shop Zilla and make sure you are getting the best price for what you are buying. 对比着使用购物网站，如商业利率,价格掠夺者和商店Zilla并确保你得到东西是以最合适的价格购买的。

If you are in debt, I challenge you to make the decision right now that you are going to put together a plan to eliminate your debt. 如果你现在有欠债，我向你发出挑战：制定一个计划来清除 你的债务。

Let today be the day you say, "Enough is enough, I am going to take control of my finances and get out of debt." 你就在今天作出决定：够了。我要掌控自己的经济，还完所有欠债。

If you are married or living with someone,let me encourage you to go to this process together.It's critical that you both are committed to rid yourselves with the debt. 如果你已婚或者和某人住在一起，我鼓励你们共同进行这项计划。你们两个共同致力于还清债务很重要。

As you begin implementing your plan, hold yourself accountable and not allow exceptions. 当你们开始执行计划之后，要负起责任不能允许有例外。

If you're overwhelmed and not sure what to do,seek the help of a trained professional, ask a respected friend, family memeber or your accountant for a referal. 如果你发现这个过程很困难，寻求专业帮助或者求助于朋友、家人或你的会计。