21世纪英文报演讲Money Management Tips for College Students

Money Management Tips for College Students

1 .Track your money. Once you realize how much impulse buying and other indulgences cost you, it will be easier to tell yourself “NO!”

2.Be frugal. Going to the movies, riding the bus, or even ordering pizza might cost less if you show your student I.D. Check travel fares for student discounts on bus and other commercial transit services as well as student discounts when you need to travel by air.

3.Keep only one major credit card and use it sparingly. Set your own credit line and don’t charge more than you can comfortably repay. Just because you have a $2,000 credit line doesn't mean you have to spend $2,000. Pay cash when you can and if you like the convenience of plastic, check into getting a bank debit card.

4.A budget is like a money diet. Just because you bust it today, doesn’t mean you can’t start it again tomorrow. If you go over budget this week, next week commit to staying under budget.

5.Get a money calendar. Any calendar with big windows with room to write in amounts will do. Use the calendar windows to note

6.Make bill paying easier by filing your bills by due date.

7.Buy books when you need them. Compare online prices with those at campus bookstores. Buy used books when you can. Check bulletin boards and school newspapers as well as used bookstores and online used booksellers.

8.Talk to your parents about who pays for what. Find out what you can count on from them and what you will be responsible for.