度過財務危機的方法
1. Do not spiral into fear
1.不要陷入恐懼Of course you are probably thinking, "What about my house? My pets? My car? Life? Food?" You will be walking around looking at the lives continuing on while yours seems to have slipped into a swirling void of desperation.
當然，你可能會想"我的房子怎麼樣？我的寵物，我的汽車，我的生活，食物呢？"你會四處走動，看着周圍的人繼續生活，然而你卻陷入了空虛絕望的境地。It is important to remember this: do not react without thinking through all the consequences first. It might sound crazy, but you need to look at this in a neutral light. Find meaning in the ability to reinvent yourself and your situation. From there, the only way to go is up.
記住這一點很重要：不要首先想到所有的後果。這或許聽起來很瘋狂，但是你需要以一種中立的態度看待這一切。從徹底改變自己和你的境地的能力中，找到意義。從那開始，你唯一的出路就是繼續向前。
2. Think about what is available to you
2.想想你能利用的一切Depending on the degree of severity, you may have several options. First, consult with your family or partner. Plot out a course that helps you decide how you will keep paying the necessary bills, what expenses you can remove, and what to do if something unfortunate happens - like foreclosure. Figure out who has your back, because if you need to hit them up for some coach surfing, you need to know they are cool with it.
這要取決於嚴重程度，你或許會有一些選擇。首先，要與你的家人或者夥伴商量一下。做出一個計劃，這有助於幫你決定你如何繼續支付那些必要的賬單，你可以取消什麼開銷，如果不幸的事情發生了，你該做什麼--比如喪失抵押品贖回權。弄清楚誰是你的後盾，因爲如果你需要求他們幫忙的話，你需要知道他們對這件事會很冷靜。
3. Determine your assets
3.確定你的資產Typically, assets are anything of financial value on your person or in your home. Create a list by separating investments, cash funds, checking/savings accounts, and bonds from things like your car, collections, jewelry, anything made out of metal, and so on.
通常，資產就是你身上或者你家裏任何有財務價值的東西。做一個清單，將投資，現金，儲蓄賬戶，比如像你的汽車之類的公債，收藏品，珠寶，任何金屬製品等都分類出來。Attempt to appraise what you have personally (as paying for someone to do so may not be available to you), and get some help selling off what you can give up. Talk to your financial advisor if you have one to see what stocks can be immediately liquidated.
試着對你的私人物品做一個評估（因爲付錢請人來做估值，你或許辦不到），請人幫忙來賣掉一些你可以放棄的東西。如果你有財務顧問的話，你可以和他談一下，來看看有什麼股票是可以立即斬倉的。
