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You don't need to pay extra for it.
你不需要额外付费。
If you have lots of equity, though, and your home represents a big chunk of your net worth, the scales start tilting heavily toward the need to pay up for extra insurance coverage.
但是如果你有大量的财富，并且你的房子占你净资产的一大部分的话，你就很有必要购买额外的保险了。
Having a part time job will give you some extra cash to pay for the things you need and help you avoid adding more to your debts.
有一份兼职能给你带来额外的现金来购买必需品，还可以帮你避免增加更多的债务。
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