负债累累时，这6个上岸技巧，胜过一切鸡汤文：
When in debt, these six landing skills are better than all the chicken soup:
1、分类管理负债
1. Classified management liabilities
对于负债，首先需要分类管理，将其分为紧急和非紧急的负债。
For liabilities, it is necessary to classify them into emergency and non-emergency liabilities.
紧急负债是指需要立即偿还的债务，如房贷、车贷等，而非紧急负债则是指可以延迟偿还的债务，如信用卡欠款等。
Emergency liabilities refer to debts that need to be repaid immediately, such as housing loans and car loans, while non-emergency liabilities refer to debts that can be delayed, such as credit card arrears.
通过分类管理负债，你可以更好地分配自己的财务资源，解决紧急问题。
By managing liabilities by category, you can better allocate your financial resources and solve urgent problems.
2、削减支出
2. Cut spending
在负债累累的情况下，削减支出是非常重要的。
In the case of heavy debt, it is very important to cut expenditure.
你可以审视自己的日常支出，看看哪些支出可以削减或者取消，比如不必要的订阅服务、高额的电话费用等等。
You can look at your daily expenses and see what expenses can be cut or cancelled, such as unnecessary subscription services, high telephone charges, etc.
通过削减支出，你可以减轻自己的经济负担，为偿还债务争取更多的时间。
By cutting spending, you can reduce your financial burden and buy more time to repay your debt.
3、增加收入
3. Increase revenue
除了削减支出，你还可以尝试增加收入，以应对负债问题。
In addition to cutting expenses, you can also try to increase income to cope with debt problems.
你可以考虑从自己的兴趣爱好中挖掘潜力，将其转化为赚钱的机会，比如写作、插画、翻译等等。
You can consider tapping your potential from your hobbies and turning them into opportunities to make money, such as writing, illustration, translation, etc.
此外，你还可以尝试找到兼职工作或者开始创业，以增加收入来源。
In addition, you can also try to find a part-time job or start a business to increase the source of income.
4、与债权人沟通
4. Communication with creditors
如果你无法按时偿还债务，你可以与债权人沟通，尝试重新谈判还款条件。
If you cannot repay the debt on time, you can communicate with the creditor and try to renegotiate the repayment terms.
你可以尝试与债权人协商新的还款计划或利率，或者请求缓期还款。
You can try to negotiate a new repayment plan or interest rate with creditors, or request a deferred repayment.
在沟通的过程中，你需要展示自己的诚意，并遵守承诺，尽可能按时还款。
In the process of communication, you need to show your sincerity, keep your promise and make repayment on time as much as possible.
5、借助债务管理计划
5. With the help of debt management plan
债务管理计划是一种帮助你处理债务的工具，通过它，你可以将多个债务合并为一个月付的还款，以便更好地管理债务。
The debt management plan is a tool to help you deal with your debts. Through it, you can combine multiple debts into a monthly repayment to better manage your debts.
这种计划通常由非营利性组织提供，可以为你提供咨询和帮助。
This plan is usually provided by non-profit organizations, which can provide you with advice and help.
6、寻求专业帮助
6. Seek professional help
如果你无法自行解决负债问题，你可以寻求专业帮助。
If you can’t solve the debt problem by yourself, you can seek professional help.
你可以找到理财顾问、会计师、律师等专业人士，他们可以帮助你制定财务计划
You can find financial advisers, accountants, lawyers and other professionals who can help you make financial plans
