Money Management Tips for College Students
1.Track your money. Once you realize how much impulse buying and other indulgences cost you, it will be easier to tell yourself “NO!”
2.Be frugal. Going to the movies, riding the bus, or even ordering pizza might cost less if you show your student I.D. Check travel fares for student discounts on bus and other commercial transit services as well as student discounts when you need to travel by air.
3.Stay financially secure by using caution.
Don’t give anyone your Social Security, credit card, or bank account numbers unless you know why they need them.
Never give a pin number to anyone!
Don’t leave bill payment envelopes at your mailbox. Drop them in a postal mailbox.
Review credit card statements, bank statements, phone bills, etc. for unauthorized use.
Avoid scholarship scams. Real scholarships never charge fees and application information is available and free to everyone.
4.Keep only one major credit card and use it sparingly. Set your own credit line and don’t charge more than you can comfortably repay. Just because you have a $2,000 credit line doesn't mean you have to spend $2,000. Pay cash when you can and if you like the convenience of plastic, check into getting a bank debit card.
5.Keep a personal budget. Round up your available cash including gift money (if you’re a recent high school grad), scholarship money, student loans, summer job savings, and money from your parents. You may want to designate types of money for certain uses.
For instance: Think of student loans as an investment in your education and your future. Use student loan funds only to pay school expenses like tuition and books.
Use money from home for things like groceries and phone bills.
Give yourself an allowance. Track your spending to find where your money goes and then choose between your wants and real needs.
Budget for a month at a time but set aside some time to review your finances each week.
6.A budget is like a money diet. Just because you bust it today, doesn’t mean you can’t start it again tomorrow. If you go over budget this week, next week commit to staying under budget.
7.Build an emergency fund. Save change in a piggy bank or jar. Deposit $5.00 a week from paychecks in a savings account when you cash your check.
8.Get a money calendar. Any calendar with big windows with room to write in amounts will do. Use the calendar windows to note:
Due Dates for scholarship and grant applications. Keep applying for financial aid all the way through college. Missing an application deadline is the most common mistake students make when applying for scholarships.
Upcoming school expenses (books and tuitions).
Bill payment dates.
Upcoming activities where you’ll need cash. (Movies, dances, parties, etc.)
9.Make bill paying easier by filing your bills by due date.
10.Buy books when you need them. Compare online prices with those at campus bookstores. Buy used books when you can. Check bulletin boards and school newspapers as well as used bookstores and online used booksellers.
11.Put your roommate in your financial planning. If you can, contact your roommate before the semester starts and decide how you’ll divide expenses like groceries and phone hook-up charges.
12.Talk to your parents about who pays for what. Find out what you can count on from them and what you will be responsible for.
13.Ask for help when you need it. If you run into a financial disaster, call home and let your parents know you’re in trouble. If an unexpected event changes your home financial situation, don’t give up on school! First, talk with your financial aid office. Most colleges set aside funds to help students get through difficult situations.
译文:
大学生的理财之道
大学生的理财之道
1.冲动消费，止于账本。
学会记账，就能让你意识到有多少东西是你一时冲动买下来的，而你为这份痴迷又付出了多少代价。相信你也就会明智的对自己的行为说“不！”。
2.勤俭节约，积少成多。
看电影就乘公交去，即便订批萨也要出示学生证享受点优惠。查询公交车学生优惠折扣信息以及其他公众运输交通服务的折扣信息，即便你乘飞机也别忘了找找学生优惠价。
3.经济安全，小心为妙。
不要把你的社保卡，信用卡，或者银行账户的信息告诉任何人，除非你知道他们是要拿来何用。
绝对不要把密码告诉任何人！
催帐单不应寄到你的电子邮箱里，应该直接寄给你的邮政信箱里。仔细阅读信用卡，银行，电话账单上的条目，以防他人任何侵权使用。
当心奖学金诈骗！真正的奖学金都不会有申请费用并且申请表格一定是免费提供给每个人的。
4.信用记录，保持良好。
只留一张信用卡并且省着点用。设定你自己的信用额度并且切勿透支过度。你的信用卡额度为2000元并不意味着你就必须花满2000。能付现金的时候你就用现金。要是你实在喜欢信用卡的便利，那就去银行办一张借记卡更为保险。
5.设定预算，绝不超支。
清算你现有的收入和开支，包括收到的红包（如果你最近快要高中毕业的话），奖学金，教育贷款，暑期打工费，父母给的生活费等。你要把钱分门别类规划好以备不时之需。
如：把教育贷款看作是一项对你教育和未来前途的投资。把这些钱只用在支付学费和书费上。而生活费则用在日常用品和电话费上。
给你自己一个限额。记好账本以便随时查看你的钱花去了哪里，并且区分哪些是你想要的而哪些是你真正需要的。
一次做一个月的预算但是每一周都要腾出时间查看你的财务状况。
6.绝不超支，贵在坚持。
预算就像是给开支瘦身。因为如果你今天超支了，并不代表你明天就不能重新再做了。如果你这个礼拜超支了，那么下个礼拜就一定要保证在限额之内。
7.积极储蓄，不时之需。
设立一个应急小基金。把零钱全部存进小猪储蓄罐里。每次到银行兑现一张支票的时候都存5元钱到自己的账户里。
8.财务日历，简洁明晰。
找一个财务日历本，只要任何有大方框里可以写上数目的日历就行。在这些方框里记下：
奖学金申请的截止日期。在大学期间不停寻求财务援助。而错过奖学金申请时间大多数大学生常犯的错误。
写上学业开销，书费，学费等。
写上还款截止日期。
写上你需要使用现金的活动，例如电影，舞会，聚会，等等。
9.及时还款，高枕无忧。
让还款变得更为简便的方法就是在上面写上截止日期提醒自己及时还款。
10.货比三家，节省书费。
只买你必须的书籍。比较一下在线购买和校园书店里书籍的价格。可以的话就买二手书。公告牌，校园报纸以及二手书店，网店都是你寻觅二手书的好地方。
11.哥们室友，也要算帐。
把你的室友也要考虑在你的财务规划之中。如果可以的话，在学期开始前就要和室友商量好生活用品和电话费用是如何分摊的。
12.父母子女，明确分工。
和你的父母好好谈谈，明确各自支付什么。找出你可以靠他们支付的款项，和你自己需要负担的部分。
13.遇到困难，大胆询问。
需要帮助就去寻求帮助。如果你的财务状况陷入危机，打电话告诉你的父母你陷入了麻烦之中。如果任何出乎意料的时间影响了你家的经济状况，千万不要放弃学业！第一步，先和你们学校的财务老师们多多交流。大多数大学都为贫困生设立了帮助款项。