禮節(jié)美語(yǔ)lesson 119 Getting Out of Debt 2

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Jane向上司Vincent和財(cái)務(wù)專家Anna請(qǐng)教，如何才能擺脫信用卡債務(wù)。Anna建議說(shuō)：

A: You have to freeze everything and reevaluate your position. 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. You will probably need to go down and speak with a bank representative.

V: Your bank should be willing to reduce your debt if you can work out a repayment schedule.

Anna建議Jane "freeze everything and reevaluate your position", 凍結(jié)一切財(cái)務(wù)活動(dòng)，對(duì)現(xiàn)狀重新評(píng)估，看自己到底欠誰(shuí)錢(qián)、欠多少錢(qián)。

要想讓信用卡公司別沒(méi)完沒(méi)了地打電話催債，stop calling me a hundred times a day, 就要讓他們相信，你真心想把債務(wù)付清，get the finances in order。 Anna還建議Jane去找銀行，work out a repayment schedule，就如何分期分批還清債務(wù)達(dá)成協(xié)議。

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: It's very important that you do the math before you sign any papers. Can I be blunt with you?

J: Yes. I can take it.

A: You can't be financially healthy if you're lazy. Many people make really bad decisions just because they're too lazy to really figure it out.

V: I'm sure guilty of that.

J: Yes. I agree. I'm going to start paying better attention.

沒(méi)錯(cuò)，在任何貸款協(xié)議上簽字之前一定要do the math，把帳算清楚。Anna說(shuō)，很多人在財(cái)務(wù)上犯錯(cuò)誤都是因?yàn)閼械萌ニ氵@筆帳。Vincent承認(rèn)，他就是這樣的人，I am sure guilty of that. 言歸正傳，Anna要還清債務(wù)，具體有哪些步驟呢？

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：不能再隨便花錢(qián)。第二：跟銀行談，work out a deal設(shè)法達(dá)成還錢(qián)的協(xié)議。第三：以后務(wù)必注意財(cái)務(wù)協(xié)議的細(xì)則。Anna打比方說(shuō)，要做一個(gè)財(cái)務(wù)上的健康人是可能的，但需要練習(xí)。 Jane也開(kāi)玩笑，說(shuō)要讓自己的大腦去健身房去鍛煉。