【读新闻学英语】如何在10年内就还清住房贷款?这位主妇有超级绝招!
2017年10月24日 12:13如果你不是百万富翁,如果你不想节衣缩食,看看这篇文章吧,贷款还要这么还……
The thought of owning your own home seems like a distant dream to many young people, but one Aussie mum has proven that paying off your mortgage doesn't have to fill you with dread.
对于年轻人来说,拥有自己的房子还是一个遥不可及的梦想。但是一位来自澳大利亚的母亲已经用事实证明,偿还抵押贷款并不是一件让人感到恐惧的事情。
distant dream:遥远的梦想
mortgage:贷款
dread:恐惧
Heidi Farrelly is a preschool teacher and lives in Sydney with her 35-year-old husband Clinton and their 7-year-old daughter.They bought their Engadine home in 2008 and are set to make their last mortgage payment in January 2018, just under a decade later.
Heidi Farrelly是一名幼儿教师,她和35岁的丈夫Clinton以及7岁的女儿住在悉尼。2008年,他们买下了Engadine的家,将于2018年1月还清贷款,仅仅用了10年的时间。
preschool:幼儿园
payment:支付
decade:十年
She says paying off debt is all about sacrificing small luxuries and always looking for a cheaper alternative."Coffee is often at a friend's instead of at a cafe. We picnic instead of buying lunch out. We camp instead of hotelling."
她说到偿还贷款债务只需要对小的奢侈行为做出一些牺牲,并且一直寻找更便宜的替代品。“我们自己做咖啡而不是在咖啡厅买,我们带野餐而不是买午餐,我们住营地而不是住酒店。”
pay off:付清
sacrificing:牺牲
"We make do with what we have rather than buying new. Things we do need, we don't buy full price but wait 'til they go on sale."She admits it is not an easy task to pay off your mortgage in 10 years but it is entirely possible and you don't have to be millionaires or live off rations for a decade to do it.
“我们自己动手做所需要的东西,而不是买新的。我们需要的东西也不会全价买下,会等到有折扣的时候再买。”她承认要在10年内付完贷款确实不容易,但是也不是不可能。你不必是百万富翁,或者是靠节衣缩食来实现。
rather than:取而代之
on sale:打折
millionaires:百万富翁
live off:以…为生
Ferrelly says they were a single-income household for quite a while and even now she only works two days a week, so her husband's wage pays the mortgage and hers covers daily expenses.
Ferrelly说很长一段时间内,他们家是单一收入家庭,她每周只工作两天,所以她丈夫的工资用来偿还贷款,她的收入则用来负担家庭日常开销。
quite a while:一段时间
daily expenses:日常开销
Farrelly's top tips to help you say goodbye to your mortgage:
帮助你和贷款说拜拜的好办法
• Know where your money goes. Record a four-week snapshot of everything you spend, and write a sustainable budget based on your findings.
知道你的钱花在哪儿了。每四周做一个记录,记录你花的每一分钱,并且做好一个可持续性的预算。
• Start making extra mortgage payments. Even $10 a week makes a big difference over the life of your loan.
额外多偿还一些贷款。虽然每周多付10刀,都会产生巨大的影响。
• Look for unneeded direct debits such as Spotify or Netflix subscriptions and redirect the money you save to your mortgage.
检查那些不必要的支出,比如订阅Spotify 或 Netflix,把这些钱剩下来用来偿还贷款。
• Don't redraw your mortgage for anything.
不要修改贷款的任何条款。
• Explore your own backyard for a while instead of travelling abroad.
探索自家的后院吧,而不是出国旅游。
record:记录
sustainable:可持续性
makes a big difference:有很大差别
subscriptions:订阅
redraw:修改
explore:探索
(责编:Bonny)