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Once you have decided that you want to get out of debt you need to set up a debt payment plan. It is important to realize that by applying your extra money to one debt at time, you will significantly speed up the debt repayment process. If you work hard you will be surprised at how quickly you can pay off your debt.
有债要还，就要做还债计划。你需要知道，你所有的余钱都应该用于还贷，这样才能加快还款进程。努力还贷的话，债务很快就能还清哦！
Difficulty: Easy 难易度：简单
Time Required: 60 minutes 花费时间：60分钟
First, you need to make a list of all the debt that you have. Your list should include the minimum payment amount, the interest rate and how much you owe.
第一步，你需要列出所有债务清单，从最小债额到利息率，你要还的都要记录在内。
Second, you will need to rank your debts in the order that you want to pay them off. Some experts recommend going from smallest to largest, since this helps to get the momentum going. Others recommend listing the debts from the highest to the lowest interest rate, since this will save you the most money.
第二，你需要按照先后顺序排列欠下的债务，这个次序也就是你还债的次序。一些专家建议从小数额还起，这样能保持还债动力。也有一些专家建议从最大额贷款还起，这样能节省更多钱。
Third, you will need to decide how much extra money you have a month to pay towards your debt. You may need to cut back spending in other areas so that you have the money to put towards your debt repayment plan. You may also decide to take on a part-time job or to pick up overtime hours. Additionally you may want to apply all the money you receive from gifts, bonuses or tax returns to your debt.
第三步，你需要确定你每月还款金额。保证每月按时还款你可能需要在一些地方削减开支，或者兼职、加班。从礼金、奖金、退税等方法获得的收入也应该用于还债。
Fourth, pay all the extra money on the first debt on your list, while paying the minimum on all other payments. Once you have paid it off move to next debt on your list, paying the extra plus the current minimum payment. Continue to do this until you have crossed all the items off of your list.
第四，还贷清单上的第一项进行全额还款，其它项目还掉最小数额；第一项还清之后还第二项，以此类推直至还清全部贷款。
Fifth, put most of the extra money you now have into savings. Soon your money will begin to work for you. Make sure that you cut up and cancel your credit cards as you finish. That way you will never need to do this again.
第五步，把手上大部分余钱存起来。很快你的钱就会开始为你工作了。还清款项之后，取消所有信用卡。之后，你就再不需要为还款头痛了！
What You Need: 你需要准备：
The most recent statements of your credit cards and other loans. 最近信用卡用卡情况和其它贷款
A calculator. 计算器
Your budget. 你的预算
Paper and a Pencil. 纸和笔
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