大學新生都需要懂這5條理財要點大綱

With college starting for freshmen across the country, now is the time to be thinking about money.

隨着全國各地的大學新生開始入學，是時候考慮一下錢的問題了。

Why? Because for many freshmen, this will really be their first time handling money on their own. They will have to pay bills, handle budgets, find a bank, and be faced with choices around credit cards and insurance.

爲什麼？因爲對於很多大一新生來說，這將是他們第一次獨自理財。他們必須自己支付賬單，處理預算，尋找銀行，還將面臨信用卡和保險的選擇。

Here are 5 of the most important choices, and some amazing tips to go with them.

這裏有5個最重要的選擇，還有一些相關的非常棒的建議。

For the record, we are not talking about methods like buying cheap beer or stealing toilet paper from the school library. We're talking about some real stuff.

鄭重聲明，我們討論的並不是購買廉價啤酒或從學校圖書館偷廁紙之類的方法。我們討論的是一些貨真價實的東西。

Your Personal Finances Mobile

保持個人財務的流動性

College is the age for one to start being smart with their money and know how to properly invest, save up, and pay off their debts.

大學是一個人開始明智花錢，懂得如何正確投資、存錢和還債的年齡。

The first step is to start keeping accounts for yourself. This is how you Learn what responsibility is and how you become truly independent.

第一步是開始爲自己記賬。這就是你學會什麼是責任和如何變得真正獨立的方法。

Actually, in this case, we're way luckier than our parents once were, because there are now a lot of convenient APPs on your smartphone that can Give you a real time image of your money and spendings.

事實上，在這種情況下，我們比我們的父母幸運得多，因爲現在智能手機上有很多方便的應用程序，可以讓你實時瞭解你的錢和消費情況。

2. Credit Is Important, So Use It Responsibly

信用很重要，所以要負責任地使用它

My best financial advice for college students is to be smart with you first credit card. During your first few weeks on campus, you will likely be bombarded with credit card booths and seemingly friendly salespeople.

對於大學生來說，我最好的理財建議就是聰明地使用你的第一張信用卡。在開學的前幾周，你可能會受到信用卡展位和看似友善的銷售人員的狂轟濫炸。

Don't be tempted to open a credit card just because they tell you it's cool to do it. Building credit is important, and so is opening your first credit card.

不要僅僅因爲別人告訴你開信用卡很酷就想去開。建立信用很重要，辦理你的第一張信用卡也同樣重要。

Ask the salespeople to explain the fine print to you and look for a card with no annual fee, good rewards, and of course-a reasonable interest rate.

讓銷售人員給你解釋一下細則，然後找一張沒有年費、回報豐厚、當然還有合理利率的信用卡。

If they tell you that the offer is only good for that day, just do yourself a favor and walk away.

如果他們告訴你這個優惠僅適用於那一天，那就幫你自己一個忙，掉頭走開。

3. Learn To Start Saving A Little Each Month

學會開始每個月都存一點

My best money tip is to start now saving small and incrementally increase. The easiest way to start, as a cash strapped college student, is to save all your coins and deposit every week into a savings account with no ATM card (to avoid temptation to withdraw for frivolous things).

我最好的省錢建議是現在就開始儲蓄，並且逐漸增加。作爲一名手頭拮据的大學生，最簡單的開始就是把所有的硬幣都存起來，每週都存到一個沒有ATM卡的儲蓄賬戶裏(這樣可以避免因爲一些無聊的事情而去取錢)。

This seemingly insignificant amount adds up over time and starts the habit of saving.

隨着時間的推移，這個看似微不足道的數字會逐漸累積，而你也養成了存錢的習慣。

Incrementally increase by adding ¥50 each week and upping by at least ¥50 each month (or quarterly if money is seriously tight).

每週增加50元，每月至少增加50元（如果資金嚴重緊張，就每季度增加一次）。

This is a no brainer way to save that is easy, manageable, and sets a great habit into place for a life of savings well into the future.

這是一種簡單易行、易於管理的省錢方法，並且爲以後的儲蓄生活養成了良好的習慣。

4. Get A Job, But A Flexible One

找份靈活的工作

Getting a job in college is important because you can earn "spending money" and even save some to put toward books, supplies, and your student loans.

在大學找一份工作很重要，因爲你可以賺到“你花的錢”，甚至還可以存一些錢用來買書、買文具和學生貸款。

But your job can have an even bigger impact if it's one that allows you to do your homework.

如果你的工作能讓你同時完成作業，那麼它會產生更大的影響。

There are many on-campus jobs out there that allow you to sit down and have limited interactions/responsibilities. Some of these include checking student IDs at a gym or cafeteria, managing a resource center (at the library, for example).

校園裏有很多可以讓你坐下來，不用怎麼跟人交流，責任也有限的工作。其中包括在體育館或自助餐廳檢查學生證，管理資源中心(例如在圖書館)。

These types of work arrangements allow you to make money while also being productive. The end result is a much more efficient use of your time, and it keeps your job from becoming a burden to your schoolwork, which could potentially force you to quit the job and then not have the money you need.

這些類型的工作安排讓你賺錢的同時還能保持好的效率。最終的結果是你能更有效地利用你的時間，同時你的工作也不會成爲你學業的負擔，否則你可能會被迫辭職而掙不到你需要的錢。

5. Remember Why You're In College - Networking For Your Future Career

記住你上大學的原因——爲你未來的職業建立關係網

The number one money tip I could share with college freshman is to work on your network by taking internships and getting into various kinds of organizations as much as possible.

我能和大一新生分享的第一個財富小貼士就是通過實習和儘可能多地加入各種組織來拓展你的社交網絡。

No money item could be more important than your network because the quickest way to secure a job is all about who you know, and not totally dependent on your GPA.

沒有比人際關係網絡更重要的金錢項目了，因爲獲得工作的最快方法就是通過你認識的人，而不是完全依賴你的平均學分績點。

This could make them a lot more money than opening up a credit card or a bank account.

這可能會讓他們比開信用卡或銀行賬戶賺更多的錢。