With college starting for freshmen across the country, now is the time to be thinking about money.?
隨著全國(guó)各地的大學(xué)新生開(kāi)始入學(xué)，是時(shí)候考慮一下錢(qián)的問(wèn)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 .
為什么?因?yàn)閷?duì)于很多大一新生來(lái)說(shuō)，這將是他們第一次獨(dú)自理財(cái)。他們必須自己支付賬單，處理預(yù)算，尋找銀行，還將面臨信用卡和保險(xiǎn)的選擇。

Here are 5 of the most important choices, and some amazing tips to go with them.
這里有5個(gè)最重要的選擇，還有一些相關(guān)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，我們討論的并不是購(gòu)買(mǎi)廉價(jià)啤酒或從學(xué)校圖書(shū)館偷廁紙之類的方法。我們討論的是一些貨真價(jià)實(shí)的東西。

1.Keep Your Personal Finances Mobile
保持個(gè)人財(cái)務(wù)的流動(dòng)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(xué)是一個(gè)人開(kāi)始明智花錢(qián)，懂得如何正確投資、存錢(qián)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(kāi)始為自己記賬。這就是你學(xué)會(huì)什么是責(zé)任和如何變得真正獨(dú)立的方法。

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Actually, in this case, we’re way luckier than our parents once were, ‘cause 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(shí)上，在這種情況下，我們比我們的父母幸運(yùn)得多，因?yàn)楝F(xiàn)在智能手機(jī)上有很多方便的應(yīng)用程序，可以讓你實(shí)時(shí)了解你的錢(qián)和消費(fèi)情況。

2. Credit Is Important, So Use It Responsibly
信用很重要，所以要負(fù)責(zé)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(duì)于大學(xué)生來(lái)說(shuō)，我最好的理財(cái)建議就是聰明地使用你的第一張信用卡。在開(kāi)學(xué)的前幾周，你可能會(huì)受到信用卡展位和看似友善的銷(xiāo)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?yàn)閯e人告訴你開(kāi)信用卡很酷就想去開(kāi)。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(xiāo)售人員給你解釋一下細(xì)則，然后找一張沒(méi)有年費(fèi)、回報(bào)豐厚、當(dāng)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(gè)優(yōu)惠僅適用于那一天，那就幫你自己一個(gè)忙，掉頭走開(kāi)。

3. Learn To Start Saving A Little Each Month
學(xué)會(huì)開(kāi)始每個(gè)月都存一點(diǎn)

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(qián)建議是現(xiàn)在就開(kāi)始儲(chǔ)蓄，并且逐漸增加。作為一名手頭拮據(jù)的大學(xué)生，最簡(jiǎn)單的開(kāi)始就是把所有的硬幣都存起來(lái)，每周都存到一個(gè)沒(méi)有ATM卡的儲(chǔ)蓄賬戶里(這樣可以避免因?yàn)橐恍o(wú)聊的事情而去取錢(qián))。

This seemingly insignificant amount adds up over time and starts the habit of saving.?
隨著時(shí)間的推移，這個(gè)看似微不足道的數(shù)字會(huì)逐漸累積，而你也養(yǎng)成了存錢(qián)的習(xí)慣。

Incrementally increase by adding ￥50 each week and upping by at least ￥50 each month (or quarterly if money is seriously tight).?
每周增加50元，每月至少增加50元（如果資金嚴(yán)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(jiǎn)單易行、易于管理的省錢(qián)方法，并且為以后的儲(chǔ)蓄生活養(yǎng)成了良好的習(xí)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(xué)找一份工作很重要，因?yàn)槟憧梢再嵉健澳慊ǖ腻X(qián)”，甚至還可以存一些錢(qián)用來(lái)買(mǎi)書(shū)、買(mǎi)文具和學(xué)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(shí)完成作業(yè)，那么它會(huì)產(chǎn)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).
校園里有很多可以讓你坐下來(lái)，不用怎么跟人交流，責(zé)任也有限的工作。其中包括在體育館或自助餐廳檢查學(xué)生證，管理資源中心(例如在圖書(shū)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(qián)的同時(shí)還能保持好的效率。最終的結(jié)果是你能更有效地利用你的時(shí)間，同時(shí)你的工作也不會(huì)成為你學(xué)業(yè)的負(fù)擔(dān)，否則你可能會(huì)被迫辭職而掙不到你需要的錢(qián)。

5. Remember Why You're In College - Networking For Your Future Career
記住你上大學(xué)的原因——為你未來(lái)的職業(yè)建立關(guān)系網(wǎng)

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(gè)財(cái)富小貼士就是通過(guò)實(shí)習(xí)和盡可能多地加入各種組織來(lái)拓展你的社交網(wǎng)絡(luò)。

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(méi)有比人際關(guān)系網(wǎng)絡(luò)更重要的金錢(qián)項(xiàng)目了，因?yàn)楂@得工作的最快方法就是通過(guò)你認(rèn)識(shí)的人，而不是完全依賴你的平均學(xué)分績(jī)點(diǎn)。

This could make them a lot more money than opening up a credit card or a bank account.
這可能會(huì)讓他們比開(kāi)信用卡或銀行賬戶賺更多的錢(qián)。

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（翻譯：雅蘭）