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1·Will my minimum payment be increased?

我的最低偿付额度会增加么？

2·Making only a minimum payment means the monthly interest eats up most of your payment.

保底消费就意味着你每月的大部分消费都是用来支付利息的。

3·Then show him how long it will take to pay it off if you only make the minimum payment.

然后告诉他每月只还最低还款时他将用多久才能还完账单。

4·Sacrifice a few months of not having much fun and pay more than the minimum payment on any debt you have.

牺牲几个月的娱乐时间可以减少你的花费，这样能尽可能多地还款，而不是只还最低还款额。

5·Yes, you will see on your monthly bill and statement the amount in full but also the minimum payment.

是的，在您的月度对账单上，您既能看到支付金额的总数也能看到最低还款额。

6·Among those inclined to pay the bill in full, the presence of the minimum payment hardly made any difference.

对于那些倾向全额还款的人来说，最低还款额的存在并没起到多大作用。

7·However, those who wanted to pay just part of it handed over 43% less on average when presented with a minimum payment.

然而，对于那些只想还一部分钱的人来说，当他们被告知有最低还款额时，他们还款数额比平均还款额还低43%。

8·First, you need to make a list of all the debt that you have. Your list should include the minimum payment amount, the interest rate and how much you owe.

第一步，你需要列出所有债务清单，从最小债额到利息率，你要还的都要记录在内。

9·You also have an expense for that credit card, which has a minimum payment of $40. When you go to write the check to pay for that card, write the check for $240.

每个月,当你浏览你的月帐单的时候,你应该把这个部分作为 额外消费来支付 .你的信用卡透支了200美元,除此外你需要支付40美元的信用卡基本费.当你要用支票支付债务的时候,你就要写一张240美元的支票.

10·Then take the total amount you were paying (say $70 minimum payment plus the $50 extra for a total of $120) and add that to the minimum payment of the next largest debt.

接下来计算一下你能还多少钱（比如：70美元的最低还款金额+额外的50美元，那就是120美元了），用这些钱来支付第二笔债务的最低还款金额。