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。

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Payment operators will have to set aside a minimum amount of capital, ranging from euro20,000 to a percentage of their payment volume.

支付系统运营商必须满足最低资本的要求，金额从2 万欧元到支付业务总量的某个百分比不等。

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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。

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One of the main reasons for this is that after paying the minimum required monthly amount I still have other expenses in the form of rent, a car payment, utilities, grocery, health expenses, and phone, not to mention gas expenses that are continuing to climb.

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