在负债累累的情况下，我们应该采取积极的态度去面对问题，并未财运自来而努力。以下是需要做好的三点：
In situations of heavy debt, we should adopt a positive attitude to face problems and work hard without financial luck. Here are three things to do well:
首先，要制定合理的还款计划。
Firstly, it is necessary to develop a reasonable repayment plan.
我们可以根据自己的经济状况，制定适合自己的还款计划。在制定还款计划的同时，要注意做好日常的理财工作，避免不必要的开支，以保证能够按时还款。
We can develop a suitable repayment plan based on our own economic situation. While formulating a repayment plan, it is important to pay attention to daily financial management work and avoid unnecessary expenses to ensure timely repayment.
其次，要与债权人积极沟通。
Secondly, it is necessary to actively communicate with creditors.
在还款过程中，债权人的态度显然非常重要。因此，我们要及时与债权人进行沟通，尽量达成双方都能接受的妥协方案。
The attitude of creditors is clearly very important during the repayment process. Therefore, we need to communicate with creditors in a timely manner and try to reach a compromise solution that is acceptable to both parties.
第三，要做好职业规划。
Thirdly, career planning should be done well.
任何人在负债累累的情况下都不能胡乱花钱，而要保证个人的经济稳定，最终还需要依靠稳定的工作和收入。
No one should spend money recklessly when they are heavily in debt. To ensure personal economic stability, they ultimately need to rely on stable work and income.
因此，我们要做好职业规划，不断提升自己的技能和知识储备，确保能够有一个稳定的收入来源。
Therefore, we need to make career plans, continuously improve our skills and knowledge reserves, and ensure a stable source of income.
总之，当我们面临负债累累的情况时，要乐观地面对问题，认真制定还款计划，与债权人积极沟通，并做好职业规划，才能实现财运自来，重返财务稳定的生活。
In short, when facing a situation of heavy debt, we should face the problem optimistically, carefully formulate repayment plans, actively communicate with creditors, and make career plans in order to achieve financial prosperity and return to a financially stable life.
