当你负债累累时，别急着赚钱，需要做好以下几件事：
When you are in debt, don’t rush to make money. You need to do the following:
1、分析财务状况。
1. Analyze the financial situation.
了解自己的财务状况，包括所有的负债和收入情况。
Know your financial situation, including all liabilities and income.
你需要了解自己欠了多少债，每个月需要还多少款项，还有自己的每月支出和收入是多少。
You need to know how much debt you owe, how much money you need to pay each month, and how much you spend and earn each month.
只有在了解清楚自己的财务状况之后，才能制定有效的还款计划。
Only after knowing your own financial situation can you make an effective repayment plan.
2、制定还款计划。
2. Make repayment plan.
制定还款计划，以确保每个月都有钱可以还款。
Make a repayment plan to ensure that you have money to repay every month.
根据自己的财务状况，制定出一份合理的还款计划，把每个月需要还款的金额、日期和债权人都列出来。
Make a reasonable repayment plan according to your financial situation, and list the amount, date and creditors to be repaid each month.
定期查看还款计划，确保自己不会漏还债务。
Check the repayment plan regularly to ensure that you will not miss the debt.
3、削减支出。在赚钱之前，你需要尽可能地削减支出。
3. Cut spending. Before you can make money, you need to cut your expenses as much as possible.
可以从日常生活中的各个方面入手，比如节约用水用电、取消不必要的订阅服务、买便宜的食材等。
We can start from various aspects of daily life, such as saving water and electricity, canceling unnecessary subscription services, and buying cheap food materials.
通过削减支出，你可以为自己争取更多的还款时间。
By cutting expenses, you can buy more repayment time for yourself.
4、沟通债权人。
4. Communicate with creditors.
与债权人沟通，尝试重新谈判还款条件。
Communicate with creditors and try to renegotiate repayment terms.
如果你无法按时还款，可以与债权人联系，与他们协商新的还款计划或利率。
If you can’t repay on time, you can contact the creditors to negotiate a new repayment plan or interest rate.
在沟通的时候，要坦诚相待，说明自己的财务情况和困难，同时也要遵守承诺，尽可能按时还款。
When communicating, you should be frank with each other and explain your financial situation and difficulties. At the same time, you should also abide by your commitments and make repayment as soon as possible.
5、建立储蓄。
5. Establish savings.
即使你的财务状况很紧张，你也需要尽可能地建立储蓄。
Even if your financial situation is tight, you need to build up savings as much as possible.
建立储蓄可以为自己在紧急情况下提供保障，同时也可以让自己养成更好的理财习惯。
The establishment of savings can provide security for yourself in an emergency, and also help you develop better financial habits.
总之，在负债累累时，赚钱固然重要，但更重要的是要先做好财务规划和支出管理，以确保自己能够稳步还款，避免进一步加重债务负担。
In short, it is important to make money when you are heavily in debt, but it is more important to do a good job in financial planning and expenditure management to ensure that you can make steady repayment and avoid further aggravating the debt burden.
