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How to save money in university
如何在大學里省錢
There are many costs involved with going to college including tuition, books, housing, entertainment, and food. These costs can quickly add up and make life after college a financial nightmare.
上大學涉及的費用很多，包括學費、書、住宿、娛樂還有伙食。這些費用會迅速地疊加起來，并把你的畢業后的生活變成一個“理財地獄”。
To avoid getting into a sticky situation yourself, here are seven practical money tips for you, the college student. Try some of these tips to lower the amount of debt you end up with, and to help clear your head after graduation. If you are the parent of a college student, send them this list.
這里有7個實用的理財訣竅，讓你避免自己陷入棘手的情況。嘗試這里的一些建議來減少你最終的債務,同時幫助你畢業后還清債款。如果你是大學生的父母，給孩子們看看這些建議。
1. Be Careful Of Promotions on Campus
1.小心校園里的促銷活動
There are certain companies and organizations that make money by preying on naive and unsuspecting college students. Some examples of this are credit card companies, loan companies, and employers looking for dirt-cheap labor. Just be aware of the people out there hoping to make an easy buck off of you. Regardless of the endorsements, read the fine print.
有一些公司和組織通過獵食那些天真的沒有疑心的大學生來賺錢。例如信用卡公司、貸款公司還有尋找廉價勞動力的雇主。要知道外面的這些人只是想從你身上簡簡單單地賺到錢。無視其他啰嗦的協議,先認真看看關于小字體的附屬條款。
2. Don’t Eat Out All the Time
2.不要總是在外面吃飯
It may be convenient and tempting to eat out frequently, but it can end up costing you a lot of money. Start keeping track of how many times you eat out every week or month, to see how the costs add up. You might be surprised by how much money you spend on food.
頻繁地去外面吃飯雖然很方便也很誘人,但是它會吃掉你一大筆錢。開始留意每星期或者每月外出吃飯的次數,看看這花費了你多少錢。你可能會對你在伙食上的開銷感到驚訝。
3. Use Your Credit Card for Emergencies Only
3.只在緊急狀況下才使用你的信用卡
With all of the expenses associated with going to college, it can be very easy to rack up a lot of credit card debt. So instead of making poor decisions with your credit card, save it for emergencies only. It is easy to overspend and spend without thinking when you're paying with credit card, but when you pay with cash, things are very different.
加上上大學相關的所有費用，大量的信用卡債務很容易就會被構架起來。因此,與其根據你的拙劣的決定來使用信用卡,不如省下來應急。當你用信用卡買東西時,很容易透支或者想也不想就把錢花掉,但是如果你用現金付款，情況就不一樣了。
4. Buy Books Online Before the Semester Starts
4.在開學前上網買書
The profit margins at college and university bookstores can be as high as 50%. The main reason why students buy from these book stores is because of convenience. It's so much easier to get your books on campus and go right to class, but the costs are just too high. If you plan ahead and buy your books online, you can save yourself hundreds of dollars per semester.
學校里的書店利潤率高達50%。學生在里面買書的主要原因是方便。在校園里買書可以方便地拿了書就直接去上課,但是費用太高了。如果你事先計劃好在網上購書，每學期你可以給自己省下幾百美元。
5. Max Out Financial Aid and Scholarships
5、最大化財政援助貸款和獎學金
Find financial aid and scholarship programs to help pay for your education and other expenses. There is probably a scholarship program for your particular major, ethnicity group, or background. Most of these scholarships require a simple essay and resume and can be well worth the time and effort put into applying for them. The bottom line is, if you’re not maxing out the amoiint of financial aid and scholarships you receive, you’re leaving money on the table.
尋找財政援助貸款和獎學金來幫助你的教育和其他方面的開支。學校很可能會有為你的特殊專業、種族或者背景所提供的獎學金。大部分這種獎學金只需要一篇簡單的論文和一份簡歷,而且你投人其中的時間和努力能獲得相當不錯的回報。如果沒有最大限度地獲得這類財政援助和獎學金,你就等于把它們白白錯過了。
6. Take Advantage of Student Discounts
6.利用學生折扣
Ask around to find out about restaurants and entertainment venues that offer discounts to college students. You can get discounts on meals, movie tickets, concert tickets, and clothing just for having a college ID, If you’re going to spend money on these things anyway, you might as well try to get a discount
咨詢周圍的人去了解關于提供大學生優惠的餐廳和娛樂場所。只要你有學校的ID,你就能在吃飯、電影票、音樂會門票和衣服上打折。無論如何,如果你打箅在這些方面花錢的話,你還不如嘗試打折。
College is expensive and is getting more expensive each year. Most college students are unprepared to face the financial burdens that are required to earn a degree. With these tips, you’ll have a better chance of maintaining your financial health throughout college.
大學很貴，而且每一年都變得越來越貴。許多大學生沒有準備好面對獲取學位所必須的經濟負擔。根據上面這些條建議，你將能更好地在整個大學期間保持你的財務健康。
