驾照过期一年了怎么办:3种最好的减轻经济压力的方法

如果你正经受着经常压力，你就能体会到它是如何影响到你生活的方方面面。这种多米诺效应会让你很难有动力和精力完成其他事情，你会感觉自己的生活正走向下坡路，而自己却没有能力阻止它。

Unfortunately, too many of us are in this position today because of the lack of jobs, under-employment and the rising cost of everything from gas to groceries. The good news is that you can feel more in control again by following these steps. Remember, the hardest part is getting started! Once you’ve made a bit of effort towards reducing financial stress, you’ll find that the subsequent steps are easier.

而不幸的是，因为没有工作或者能力不能充分发挥，以及从汽油到食品杂货等用品价格的上涨，我们中的许多人都处在这种状况下。可喜的是，采取以下方法你会感觉自己更有控制力。记住，万事开头难！一旦你为减轻经济压力做出了大量的努力，你就会发现后续的步骤变得容易些了。

One thing to keep in mind: there is no sense in feeling guilty or ashamed. Whatever you might or might not have done to get you in this mess is over now and there is nothing to be gained by beating yourself up. Learn your lessons and move on. If you have a partner, be careful not to play the blame game. Again, it’s not productive and the important thing is to learn from mistakes as a family.

时刻记住：没有必要有负罪感或者感到惭愧。无论你可能做或者没有做过的事情而让你处于今天的境况，现在都过去了。如果你自己都败下阵来，那你什么也不会得到了。要从中学习经验教训并继续前进。如果你有配偶，千万不要陷入互相责备的困境里。因为这样做是没有用的，重要的是要从错误中学习。

Your Journey Begins with a Plan

You have to know exactly where you are right now and where you want to be. For many people this is the most painful part. We think that if we don’t see our full financial picture spelled out in black and white then it’s not really so bad. We dread knowing the truth.

做好计划：

你必须确定自己现在所处的位置及你想要达到的地方。对多数人来说，这是最为痛苦的部分。我们认为如果不黑白分明的全面的分析自己的经济状况，情况就不会多么的严重。我们害怕看到事情的真相。

The thing is, how many sleepless nights are you causing yourself by avoiding the problem? Not knowing your situation causes far more anxiety than facing things head on. Worse, you can’t begin to solve your problems until you know exactly what they are.

事实是，因为回避自己的问题，你度过了多少个不眠之夜？与直面自己的问题相比，不清楚自己的状况会造成更多的焦虑。而更严重的问题是，如果你不知道自己确切的情况，你就不能够开始解决自己的问题。

Open all of those envelopes and log into all of your accounts and create a simple spreadsheet that shows you in no uncertain terms how much you owe and what your assets are. Once you know where you are, then you can start setting reasonable goals and making a plan to work towards them.

打开所有的信封，登录所有的账户，做一个简单的电子表格，确定自己欠了多少款及现在拥有的财产。一旦你知道了自己所处的位置，你就可以开始制定一个合理可行的目标并制定一个计划来完成它。

You Need a Budget

Writing a budget will help you know where every dollar should go and keep you accountable. Although many people bristle at the idea of having a budget, think about how much better you will feel knowing that all of your needs are accounted for and that you are working productively towards your goals?

你需要作个预算：

作预算可以帮助你知道每分钱应该花在什么地方，并使你能够担负得起。尽管许多人不高兴提及预算，但如果你做了，你就能够计算出自己所有的需求并朝着自己的目标前进，这样你将会感觉更舒服些。

You can read more about creating a budget here, but here are a few key points to remember:

你可以在这里读到更多关于作预算的建议，但以下是比较关键的几点：

Pay yourself first

先把自己养活。

Factor in a bit of “blow money”

把许多“乱花的钱”考虑进来。

Be realistic and don’t forget periodic expenses like vehicle maintenance and gifts.

现实但不要忘记诸如汽车维护和礼物等周期性的费用。

Extra Income Can Help You Reduce Financial Strain

The faster that you can get out of the hole, the sooner you’ll start feeling relief and start saving aggressively towards your big goals. Here are a few ways that you can supplement your income and get on the right track in less time.

额外的收入可以帮助你减轻资金紧张：

能够尽快地从经济困境里走出来，你才会更早地得到解放并尽力存款朝着更大的目标奋进。以下是一些可以增加你的收入，让你在尽量少的时间里回到正确的轨道上来的方法。

Do some spring cleaning and de-cluttering! Not only will you feel better, but you can sell or donate what you no longer want or need.

做个大扫除，整理下自己的物品！这样做，你不仅会感觉更舒服，还可以把自己不再想要的东西出售或捐赠出去。

Yard sales are a great way to earn some extra money, but sometimes you’ll do better on Craigslist or Ebay.

举行一次庭院出售是赚取额外收入的一个很好的方法，但有时候把东西放在克雷格列表网站或者易趣网上能赚的更多。

If you are talented and crafty, you could arts and crafts or jewelry on Etsy or eBay. Be sure to factor in the price of materials and read up on how to effectively market your store.

如果你天赋灵巧，你可以在Etsy或者易趣上设计制作珠宝等产品。要确定把材料成本考虑进来，并认真研读如何有效地推广自己的网店。

Start an online business using skills you already have. Many people have found that being a virtual assistant can be a very lucrative side job.

用自己知道的技巧开创自己的网上业务。许多人都证实一个网络店铺将会是一个十分赚钱的副业。

Tutoring or teaching classes is a good way to put your skills to work to earn extra money.

教授学生是另一种用自己的技术赚外块的好方法。

Look for a second job or odd jobs. Craigslist and your local papers run ads for people seeking workers for a few hours of work a week or to do one-time projects.

找第二份工作或者做零工。克雷格列表（网站名）和当地的报纸上都有很多找钟点工或者工作一周或一次性的项目的广告。

Having a plan, sticking to a budget, and increasing your income are the best ways reduce the amount of financial stress in your life. Remember that facing the problem head on is ultimately less stressful than years of denial and avoiding the issue.

制定计划，做好预算，增加收入是最好的减轻生活中经济压力的方法。记住，直面问题往往比否认和回避问题更容易。