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    3. 省钱十大法

      时间:2020-03-17 10:25:41本文内容及图片来源于读者投稿,如有侵权请联系xuexila888@qq.com 美婷 我要投稿



        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.


        To avoid getting into a sticky situation yourself, here are ten 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.


        1.Be Careful Of Promotions On Campus 小心校园里的促销活动

        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.

        有一些公司和组织通过猎食那些天真的没有疑心的大学生来赚钱。例如信用卡公司,贷款公司还有寻找廉价劳动力的雇主(employers looking for dirt cheap labor)。要知道外面的这些人只是想从你身上简简单单地赚到钱。Regardless of the endorsements, read the fine print. (这句不会翻译,意思是无视其他罗嗦的协议,先认真看看关于小字体的附属条款。)

        2.Don't Eat Out All The Time 不要总是在外面吃饭

        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.


        3.Use Your Credit Card For Emergencies Only 只在紧急状况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 plastic, but when you pay with cash, things are very different.


        4.Commute To School 通勤上学

        Living off campus and commuting to school is an option that can help you save a bundle of money. This is especially true if you go to school on an urban campus, where rent can cost a lot of money. The cost of gas, insurance, parking, and maintenance can be far less than paying for rent in many cases.

        住在校外和通勤上学是一个能为你省下一笔钱的选择。如果你在市区的校园里上学则更是如此,房租就能花掉一大笔钱。在许多情况下,瓦斯、保险、停车和维修的费用可以远低于支付租金。 债务。许多学校提供给学生免税的半工读计划(Work/Study Programs)。

        5.Buy Books Online Before The Semester Starts 用教材费上网买书

        Most college students know that buying books on campus can be a big rip off. 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.


        6.Consolidate Loans 合并贷款

        Do the math and find out if consolidating your school loans will make it easier to pay them off in the future. In many cases, loan consolidation can help simplify and reduce your overall debt and interest payments.


        7.Get A Part Time Job 找一份兼职

        If you have time outside of your academic and social life, consider taking on a part time job to make extra money. Having a part time job will give you some extra cash to pay for the things you need and help you avoid adding more to your debts. Many schools offer work/study programs that pay students tax free.


        8.Max Out Financial Aid And Scholarships 最大化财政援助贷款和奖学金

        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 amount of financial aid and scholarships you receive, you're leaving money on the table.


        9.Take Advantage Of Student Discounts 利用学生折扣

        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.


        10.Study Hard 努力学习

        The best way to save money in college is to make the most of the money you're spending. If you study hard and do well academically, the thousands and thousands of dollars you spent to go to school will have been that much better spent. So do the best you can and make the most of your tuition dollars.

        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 ten tips, you’ll have a better chance of maintaining your financial health throughout college.








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