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(单词翻译:双击或拖选)
How to save money in university
如何在大学里省钱
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.
上大学涉及的费用很多，包括学费、书、住宿、娱乐还有伙食。这些费用会迅速地叠加起来，并把你的毕业后的生活变成一个“理财地狱”。
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.
这里有7个实用的理财诀窍，让你避免自己陷入棘手的情况。尝试这里的一些建议来减少你最终的债务,同时帮助你毕业后还清债款。如果你是大学生的父母，给孩子们看看这些建议。
1. Be Careful Of Promotions1 on Campus
1.小心校园里的促销活动
There are certain companies and organizations that make money by preying2 on naive3 and unsuspecting college students. Some examples of this are credit card companies, loan companies, and employers looking for dirt-cheap labor4. Just be aware of the people out there hoping to make an easy buck5 off of you. Regardless of the endorsements6, 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。要知道外面的这些人只是想从你身上简简单单地赚到钱。无视其他啰嗦的协议,先认真看看关于小字体的附属条款。
2. Don’t Eat Out All the Time
2.不要总是在外面吃饭
It may be convenient and tempting7 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.
频繁地去外面吃饭虽然很方便也很诱人,但是它会吃掉你一大笔钱。开始留意每星期或者每月外出吃饭的次数,看看这花费了你多少钱。你可能会对你在伙食上的开销感到惊讶。
3. Use Your Credit Card for Emergencies Only
3.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 credit card, but when you pay with cash, things are very different.
加上上大学相关的所有费用，大量的信用卡债务很容易就会被构架起来。因此,与其根据你的拙劣的决定来使用信用卡,不如省下来应急。当你用信用卡买东西时,很容易透支或者想也不想就把钱花掉,但是如果你用现金付款，情况就不一样了。
4. Buy Books Online Before the Semester Starts
4.在开学前上网买书
The profit margins8 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.
学校里的书店利润率高达50%。学生在里面买书的主要原因是方便。在校园里买书可以方便地拿了书就直接去上课,但是费用太高了。如果你事先计划好在网上购书，每学期你可以给自己省下几百美元。
5. Max Out Financial Aid and Scholarships
5、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 amoiint of financial aid and scholarships you receive, you’re leaving money on the table.
寻找财政援助贷款和奖学金来帮助你的教育和其他方面的开支。学校很可能会有为你的特殊专业、种族或者背景所提供的奖学金。大部分这种奖学金只需要一篇简单的论文和一份简历,而且你投人其中的时间和努力能获得相当不错的回报。如果没有最大限度地获得这类财政援助和奖学金,你就等于把它们白白错过了。
6. Take Advantage of Student Discounts
6.利用学生折扣
Ask around to find out about restaurants and entertainment venues9 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
咨询周围的人去了解关于提供大学生优惠的餐厅和娱乐场所。只要你有学校的ID,你就能在吃饭、电影票、音乐会门票和衣服上打折。无论如何,如果你打箅在这些方面花钱的话,你还不如尝试打折。
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.
大学很贵，而且每一年都变得越来越贵。许多大学生没有准备好面对获取学位所必须的经济负担。根据上面这些条建议，你将能更好地在整个大学期间保持你的财务健康。
收听单词发音 |
1
promotions
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| 促进( promotion的名词复数 )； 提升； 推广； 宣传 | |
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2
preying
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| v.掠食( prey的现在分词 )；掠食；折磨；（人）靠欺诈为生 | |
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3
naive
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| adj.幼稚的，轻信的；天真的 | |
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4
labor
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| n.劳动，努力，工作，劳工；分娩；vi.劳动，努力，苦干；vt.详细分析；麻烦 | |
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5
buck
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| n.雄鹿，雄兔；v.马离地跳跃 | |
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6
endorsements
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| n.背书( endorsement的名词复数 )；（驾驶执照上的）违章记录；（公开的）赞同；（通常为名人在广告中对某一产品的）宣传 | |
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7
tempting
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| a.诱人的, 吸引人的 | |
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8
margins
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| 边( margin的名词复数 )； 利润； 页边空白； 差数 | |
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9
venues
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| n.聚集地点( venue的名词复数 )；会场；（尤指）体育比赛场所；犯罪地点 | |
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