人力资源术语英汉对照

双语:20多条妙招让你不再负债2008-07-0814:04Thisisnotastep-by-stepguidetoreducingdebt.Rather,itisacollectionofalotofthewisdomIhavereadsofaronthistopicandalistofsomeofthethingsthatworkedforus.这并不是一个一步一步教你减少负债的指南方法,相反这是一个智慧的结晶,一个到目前为止我读过的所有关于这个话题的总结和一个对我们有帮助的建议单。Asyougothroughthelist,Iwouldrecommendsortingitoutintothingsthatwilldefinitelyworkforyouandthingsthatcouldpossiblyworkforyou.Startimplementingthethingsthatwillworkforyourightawayandstartworkingonincorporatingtheotherswhenpossible.Believeme,soonitwillbecomeanobsession(ifitalreadyisn’t!)andslowlybutsurelyyouwillbefreeofdebt.Andthatfeelingisworthanyshort-termpainyouhavetogothrough.当你要浏览这份单子的时候,我建议你最好整理出哪些对你绝对有帮助和哪些对你可能有帮助。然后开始实施对你立即起作用的那些工作,同时有可能的话最好也做一些对其它有帮助的事。请相信我,很快你就会上瘾(如果现在还没有的话)并且慢慢地你会确信你已经成为无债的人。这种感觉是值得你为之承受一切短暂的痛苦的。Stopaddingmoredebt:Nokiddingright?Well,ifit'ssosimplewhyaren'tyoudoingit?Thinkofyourdebtasasmallhillofdirtinyourbackyard.Togetridofthatdirthill,youneedtodigoutashovelatatime.Nowimagineforevery2-3shovelsofdirtthatyoudigout,youtoss4shovelsbackon.Howlongwillittaketogetridofthatlittlehill?Pilingonmoredebtwhileyouaretryingtogetoutofitdoesn’tmakemuchsenseeither.不要再增加你的债务了:这不是在开玩笑吧,如果这么简单的话你为什么不去做啊?想想你所欠的债就像你家后院堆积如山的垃圾。要想除去这座污山,你需要一次性挖走一大铲。试想一下,你每次从垃圾中挖走2-3大铲,然后你再拉回家4大铲的垃圾。这样下去你何年马月才能清除掉这座小山?像你那种在还债的同时又欠下债的作法也同样一点也不明智。Getridofyourcreditcards:Oneofthebiggestdownfallsthatmostofushaveistherelianceoncreditcards.Unlikespendingrealcash,whenyouchargeittoacardyoudon’tfeeltheburn.Soifyoucannotcontrolhowmuchyouspendonyourcard,thencutupyourcards,leavethemlockedupathome,freezethemorburythemuntilyouareoutofdebt.(Note:Don’tclosetheaccountssincethatcanresultinreducingyourcreditscore!)杜绝用信用卡:对于大多数的我们来说,最大的败点就是我们太依赖信用卡了。不像花现钞,当你刷卡时你不会感觉象是在割肉。因此,如果你不能控制刷你的卡,你就要禁用你的信用卡,将它们锁在家里,不管是冷冻还是火烧,直到你还清了你的债。(注意:不要关掉你的账户,因为这样会减少你的信誉积分!)WhenIwasincollege,Iwentalittlewildwithstudentcreditcards.IlearnedthehardwaythatIneededsomecontrol,soIfrozethecardsinalargepanofwater.IfIwantedorneededsomethingbadlyenoughtowaitforthecardstothawout,thenitwasprobablyworthpurchasing.Ifnot,Isavedthedough.Mymomstilllaughsaboutthis,butIsavedthousandsinforgoneimpulsepurchases.--KellyColucci,Cumming,Ga.-quotesource:Kiplinger当我读大学时,我用学生卡有一点疯狂。我知道要采取些强硬的手段才能控制住,因此我将卡放在一大缸水中。如果我需要某样东西急得我恨不得我的卡马上干掉,那么我要买的东西就是值得买的。如果不是这样子的话,我就省下了钱。我妈妈经常笑我,但我确实省掉了因冲动而可能用掉的钱。----KellyColucci,Cumming,Ga.来源:KiplingerChangeyourattitude:Likeeverythingelseinlife,gettingoutofdebtisheavilydependentonyourattitude.Switchtoa“CanDo”attitude.Stopgivingintothevictimmentalityorself-doubtsofwhetheryoucandoit.Startattackingdebtanddon’tstopuntilitsallgone.改变一下你的态度:像生活中其它的事情一样,你要不再负债也大大地由你的态度决定。将你的心态调到“我一定行”上。不要再从思想上成为债奴或是自己怀疑自己能否做到。相反,你要向债款进行反攻,直到你没了债款为止。Staybusy:Anidlemindisadevil’sworkshopandaretailer'sdream.Ifyougotothemalljustbecauseyouarebored,youareboundtoendupbuyingstuffyoulikelydon’tneed.IfyoulazeinfrontoftheTVdoingnothing,thentheadvertisersareboundtoinstillayearningforsomethingthatyouwouldn’thavewantedotherwise.Throwingawaymoneytokeepyourselfentertainedwhenyoucouldbeusingthattimealotmoreproductivelyjustwon’tcutitifyouareseriousaboutgettingoutofdebt.将自己适度保持在忙碌状态上:悠闲的头脑状态可以说是恶魔的天下和卖家的梦想。如果你仅仅因为无聊了就去购物中心,那你注定会买一些你不需要的东西。如果你懒散地在电视机面前无事可做,那些广告商们又注定会一点点地挖掘出你的本来根本不想买的欲望。在你本应用这些大好时光做一些事的时候,你却挥霍着钱来让自己享受,这根本无法使你减少你的负债,如果你正严肃地思考着如何不再负债的问题的话。Changeyourspendinghabits:Doyoualwaysplanbeforeyoubuysomethingordoyoujustpickthingsup?Doyouaskyourselfifyoureally“need”it,orjustifyyour“wants”andkeepindulgingyourself?Doyouspendanexcessiveamountofmoneyonshowingofftoyourfriends?Takealonghardlookatyourspendinghabitsandfixanyshortcomingsthatyousee.改变你的消费的习惯:你在买东西之前总是有计划的呢,还是你只是随便挑一东西呢?你有没有问过自己是不是真的需要它或者是将自己的需求“有理化”并一直让自己沉迷于这种快感中呢?你会不会为了向朋友炫耀而多花了钱呢?好好地抽个时间想想自己的消费习惯,并找出你认为的不好之处。Cutyourspending:Canyoustillsavesomemoneyafterallofyourbillsarepaid?Forinstancewhenyoulookatyourgroceries,canyoureplacesomebrandswithgenericssoyoucansavesomecash?Canyoustockupduringsalestosavesomemoney?Howaboutmakingsureyouuseyourutilitieswiselytosaveonwater,electricityandgasbill?Lookatallaspectsofyourspendingtopinchsomemoremoneyoutthatyoucanthrowatdebt.减少你的开支:在你的账单都付完了之后,你还会继续省钱吗?举个例子,看看你的东西,你会不会用没什么品牌的东西代替一些品牌货来省钱呢?你会不会在大甩卖的时候,多买一些存在家里来省钱呢?你有没有明智地使用你的电器来省水费,电费和煤气费呢?看看这些消费,尽可能地挤出更多的钱将它们从你的债款中踢除。Embraceasimple,frugallifestyle:Weareinalandofexcess.Webelievethatweneedalotofthingstosurvive.Butinrealitywecangetonbywithverylittle.Themoreoftheexcessesyoucantrimoutthesooneryouwillbeoutofdebt.Yes,lifewillseemabitdrabwithoutsomeoftheindulgencesyouareusedto.It’syourcallwhichoneyoulikemore–temporaryindulgencesandsleeplessnightsworryingoverdebt,orafewsacrificesnowtobefreeofdebtissuesfortherestofyourlife!营造一个简单而又节省的生活模式:我们生活在一个随时会超支的世界。我们相信我们需要许多东西来存活。但是在现实中我们只需要少许必须品就能生活下去。你减少额外的开支越多,你就越快脱离你的负债。确实,没有了你以往的享受,生活似乎毫无生机。在这儿由你选择你更倾向于哪一个---短暂的享受但因为负债而失眠的夜晚,或少许的牺牲但轻轻松松无任何牵挂地度过剩下的生活。Alwayslookouttoimproveyourcurrentincome:Themorethemoneyyoumake,themoreyouwillhaveleftovertothrowatyourdebt.Soalwayslookforopportunitiesforpickinguptaskswithhighercommission,orovertimepayorsomethingthatwillresultinabonus.Takeyourjobseriouslyand