你如何管理债务？

Discussion Questions

1.过度负债是如何产生的？
How does over-indebtedness occur?
2.如何能学会更好地管理钱以避免负债？
How can one learn to handle money better to avoid debt?
3.你会把钱借给谁？为什么？
To whom would you not lend money and why?
4.如果你借给某人钱，那个人不还钱你会怎么办？
What would you do if you lend someone money and this person doesn't pay the money back to you?
5.什么是债务陷阱？你能给出例子吗？
What is a debt trap? Can you give examples?
6.有哪些出路可以摆脱债务陷阱？
What are ways out of the debt trap?
7.你想象中的债务咨询是什么样的？
How do you imagine debt counseling?

过度负债可能由于意外开支或消费行为不当而发生。

Over-indebtedness can arise from unexpected expenses or poor consumer behavior.

管理好金钱可以通过制定预算并坚持执行来实现。

To manage money better, one should create a budget and stick to it.

我不会把钱借给过去有还债问题的人。

I wouldn't lend money to anyone who has had trouble repaying debts in the past.

如果我借出的钱没有收回，我会寻求对话并寻找解决方案。

If someone I lent money to doesn't repay, I would seek a conversation and try to find a solution.

债务陷阱是指为了偿还旧债而不得不借新债的情况。

A debt trap occurs when one has to take out new loans to pay off old debts.