4. If you don't have the money, go without. This is a lesson most people (young or old) forget. You don't actually need a car, so if you can't afford to pay cash, don't get a loan. You don't need nice clothes, or a smart phone, or a fancy laptop or iPad or Kindle, you don't need to go to nice restaurants or the movies or bars. If you don't have the money, find free ways to have fun or get things done you need to get done.
如果你沒那么多錢，那就湊活著過吧。這是很多人（無論老少）經(jīng)常忘記的一點。你并非真的需要一輛車，所以手上的現(xiàn)金不夠時別去貸款；你并不需要華貴服裝、智能手機、精巧筆記本、iPad或Kindle電子閱讀器，你不需要去高級飯店、電影院或酒吧。如果你沒那么多錢，那就找一些不需要花錢的休閑方式吧，或者做一些自己應(yīng)該做的事情。

5. Make a very very simple budget. It's a scary thing for people who've never done a budget, but it's not hard. List your income, then list your bills (and savings). If the bills add up to more than the income, eliminate some bills. Use a simple spreadsheet to do the adding for you. This helps you to know what's coming in and going out. I like the envelope system for making sure I don't spend too much on variable expenses.
制作非常簡單的預(yù)算計劃。對于從沒有做過預(yù)算的人來說這似乎是一件非常恐怖的事情，但這其實并不難。列出你的收入，然后你的賬單（或者存款）。如果你的支出賬單超過了收入，那么減少開支。用簡單的電子表格來幫助你。這會讓你弄清楚手中錢的出入情況。我喜歡用信封系統(tǒng)，它能讓我確定自己不會在一些亂七八糟的花銷上浪費錢。

6. Pay bills right away. If you have the money, pay the bill as soon as it comes in. You can usually do this online, but if not, it's just a matter of writing a check, putting it in an envelope, and writing out an address — two minutes. Do this two-minute action immediately, so you don't have to worry about it later. If you let the bill-paying get pushed back, it becomes a dreaded thing, and your bills start to become overdue, and then it's much worse.
賬單來了趕緊支付。如果你手上有錢，那么賬單寄到時盡快支付。通常這些可以在線支付，如果不行，那也只是開張支票的問題，將支票塞進信封，然后寫上地址——只是兩分鐘的事情。盡快做完這“兩分鐘的事情”，以后你就不必為此擔(dān)心了。如果賬單再次退回，那事情就會變得麻煩了，你手上的賬單過期未付，那事情會變得更糟糕。

That's all you need to know. If you save when you're in college, avoid debt (except perhaps a modest student loan), and pay bills on time, you're golden.
這些就是你需要了解的。如果在大學(xué)里你學(xué)會節(jié)約，避免欠債（除非可能是適度的學(xué)生貸款），及時付款，你就是最棒的。