【kaka礼节美语】119 摆脱债务 2
Jane向上司Vincent和财务专家Anna请教，如何才能摆脱信用卡债务。Anna建议说：
A: ---1---. Figure out exactly - to the dollar - how much you owe and who you owe it to.
J: How can I get the credit card companies to stop calling me a hundred times a day?
V: (Chuckles) They can be quite persistent, can't they?
A: They need to be convinced that you're serious about getting your finances in order. ---2---.
V: Your bank should be willing to reduce your debt if you can work out a repayment schedule.
Anna建议Jane "freeze everything and reevaluate your position", 冻结一切财务活动，对现状重新评估，看自己到底欠谁钱、欠多少钱。
要想让信用卡公司别没完没了地打电话催债，stop calling me a hundred times a day, 就要让他们相信，你真心想把债务付清，get the finances in order。 Anna还建议Jane去找银行，work out a repayment schedule，就如何分期分批还清债务达成协议。
J: I think I made a bad decision with my car as well. I chose the five-year payment plan, but with the interest, it's actually much more expensive than the three-year plan.
A: ---3---. Can I be blunt with you?
J: Yes. I can take it.
A: You can't be financially healthy if you're lazy. ---4---.
V: I'm sure guilty of that.
J: Yes. I agree. I'm going to start paying better attention.
没错，在任何贷款协议上签字之前一定要do the math，把帐算清楚。Anna说，很多人在财务上犯错误都是因为懒得去算这笔帐。Vincent承认，他就是这样的人，I am sure guilty of that. 言归正传，Anna要还清债务，具体有哪些步骤呢？
V: So let's see if I can summarize the plan. One: Stop spending. Two: Talk to the banks and work out a deal... and three: Pay closer attention to the fine print.
A: That's pretty much it. Becoming a financially healthy person is possible, but it takes exercise.
J: So basically my brain needs to go to the gym.
A & V: (mild chuckle)
J: Thank you both very much. I appreciate your good counsel.
第一：不能再随便花钱。第二：跟银行谈，work out a deal设法达成还钱的协议。第三：以后务必注意财务协议的细则。Anna打比方说，要做一个财务上的健康人是可能的，但需要练习。 Jane也开玩笑，说要让自己的大脑去健身房去锻炼。http://t1.g.hjfile.cn/listen/201204/201204220836494024515.mp3You have to freeze everything and reevaluate your position
You will probably need to go down and speak with a bank representative
It's very important that you do the math before you sign any papers
Many people make really bad decisions just because they're too lazy to really figure it out安娜：你应该冻结一切财务活动，对现状重新评估，看看自己到底欠谁钱、欠多少钱。
简：我怎样才能让信用卡公司别没完没了地打电话催债？
文：（咯咯······）他们可是相当持久的。
安娜：这需要让他们相信，你真心想把债务付清。这你可能需要到银行去跟负责人说清楚。
文：如果你可以和银行达成分期分批还清债务的协议，那么你的债务会减轻很多。
简：我觉得对我的车我做了一个错误的决定。我选择了五年的缴款计划，但利息，它实际上远远超过昂贵的三年计划。
安娜：没错，在任何贷款协议上签字之前把帐算清楚这是很重要的。我可以说你很钝吗？
简：是的，我接受。
安娜：如果你这么懒，那么你不可能在财务上健康。很多人在财务上犯错误都是因为懒得去算这笔帐。
文：我就是那样的人。
简：我也赞同。从现在开始我要给予更多的关注了。
文：那我来总结一下方案。第一：不能再随便乱花钱。第二：跟银行谈设法达成还钱的协议···第三：以后务必注意财物协议的细则。
安娜：说得相当不错。这样成为一个财政健康的人是可能的，但这需要锻炼。
简：所以我的大脑得需要去健身房去锻炼。
安娜和文:(微笑····)
简：非常感谢你们。感谢你们给我这么价值建议。
——译文来自: zhangpeizhu
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