★英語資源頻道為大家整理的china daily雙語版：大學(xué)生理財(cái)小貼士，供大家參考。更多閱讀請查看本站英語資源頻道。
Student finance: top 10 student money saving tips
理財(cái)篇：學(xué)生省錢十大妙招
Whether it’s your first or your third year, the temptation to spend is everywhere – not least at the union bar. Problem is, you’ll need cash left at the end of term if you fancy joining the university ski trip. Here are ten great money saving tips for old and new students alike.
無論這是你步入大學(xué)的第一年或第三年，花錢的誘惑總是無處不在-不僅僅在優(yōu)年美食餐廳。問題是如果你想?yún)⒓訉W(xué)校組織的滑雪旅行， 你需要在學(xué)期末的時(shí)候留點(diǎn)錢給自己。本文將和各位新老生一起分享十大省錢妙招。
Budget during the first weeks of term
新學(xué)期第一周做好預(yù)算
With the living expenses fresh in your account, you’re so far 'in the black' that you’re positively itching to spend. Beware – you have entered the danger zone. Someone organises a fancy dress party: you fork out on an expensive costume. You need a new hobby: you acquire a ukulele.
生活費(fèi)剛打到賬戶的時(shí)候，你覺得自己“坐擁資產(chǎn)”，總是蠢蠢欲動地想要花錢。請注意，你已進(jìn)入危險(xiǎn)地帶。有人組織化妝舞會，你就下血本去買很貴的服裝；想有個(gè)新的愛好，你就馬上買來一個(gè)尤克里里（夏威夷弦撥樂器）。
It’s hard to budget when you’re keen to have fun, but it is worth holding off on extravagant spending early on. If you want to go out and celebrate at the end of term, check out some student budget apps to make sure you have something left to spend.
一心總想著娛樂是很難做好預(yù)算的，但是在早期克制自己的購買欲是值得的。學(xué)期末想要出去慶祝，先在相關(guān)學(xué)生預(yù)算應(yīng)用上查查自己的賬戶，確保你還負(fù)擔(dān)得起外出花費(fèi)。
Plan meals in advance
提前計(jì)劃每餐
Walking back from a lecture, you’re likely to want to pick up lunch and a coffee with friends. Pay attention to jaunts like these – if they become too much of a habit, they will significantly impact your finances.
下課走在路上，你免不了會想和朋友一起買午餐，喝咖啡。注意這些小處的花費(fèi)——一旦養(yǎng)成這樣的習(xí)慣，你的資金會深受影響。
Preparing food at home is a great way to save money over the week, and there’s no need to cut back on the ingredients you love if you budget correctly.
在家準(zhǔn)備好食物是很好的省錢方式。只要你合理預(yù)算，買食材的時(shí)候完全可以放心買自己愛吃的。
Enjoy student discounts
享受學(xué)生折扣
Congratulations – you are now eligible for a ridiculous number of discounts. This doesn’t mean you should be increasing your spending just to enjoy them, but it does mean savings when you do go shopping.
恭喜！作為學(xué)生，現(xiàn)在的你可以享受超多種折扣。這并不是說你應(yīng)該為了享受折扣多消費(fèi)，而是在你真正需要購物的時(shí)候用折扣節(jié)省花費(fèi)。
Be sure to check the list of offers before registering for a card, as it’s only worth buying if you are likely to use it.
切記在購買相關(guān)打折卡之前查看折扣清單，確保這張會員卡對你有用再買。
Travel smarter
精打細(xì)算旅行
Travelling home for a weekend or visiting friends at other universities can be a costly affair, but that doesn’t have to put you off. There's the railcard that can get you up to a fifth off rail fares.
無論是要回家還是去找其他的大學(xué)的朋友玩，都會是一件花錢的事情，但這些不應(yīng)該阻擋你出行。記得買票時(shí)用火車票優(yōu)惠卡能打五折。
Alternatively – your friends will only turn 21 once – so get to their birthday celebrations with a ride-sharing service. If you have a car, you can offer seats to paying passengers, raking back a third of your petrol costs for each person you take on board.
或者這樣說，你的朋友們都只有21歲，所以你可以通過拼車服務(wù)去參加他們的生日慶祝會。如果你有車，可以捎上愿意付錢的人，畢竟多一個(gè)人可以幫你節(jié)省三分之一的油費(fèi)。
Student finance: top 10 student money saving tips
理財(cái)篇：學(xué)生省錢十大妙招
Whether it’s your first or your third year, the temptation to spend is everywhere – not least at the union bar. Problem is, you’ll need cash left at the end of term if you fancy joining the university ski trip. Here are ten great money saving tips for old and new students alike.
無論這是你步入大學(xué)的第一年或第三年，花錢的誘惑總是無處不在-不僅僅在優(yōu)年美食餐廳。問題是如果你想?yún)⒓訉W(xué)校組織的滑雪旅行， 你需要在學(xué)期末的時(shí)候留點(diǎn)錢給自己。本文將和各位新老生一起分享十大省錢妙招。
Budget during the first weeks of term
新學(xué)期第一周做好預(yù)算
With the living expenses fresh in your account, you’re so far 'in the black' that you’re positively itching to spend. Beware – you have entered the danger zone. Someone organises a fancy dress party: you fork out on an expensive costume. You need a new hobby: you acquire a ukulele.
生活費(fèi)剛打到賬戶的時(shí)候，你覺得自己“坐擁資產(chǎn)”，總是蠢蠢欲動地想要花錢。請注意，你已進(jìn)入危險(xiǎn)地帶。有人組織化妝舞會，你就下血本去買很貴的服裝；想有個(gè)新的愛好，你就馬上買來一個(gè)尤克里里（夏威夷弦撥樂器）。
It’s hard to budget when you’re keen to have fun, but it is worth holding off on extravagant spending early on. If you want to go out and celebrate at the end of term, check out some student budget apps to make sure you have something left to spend.
一心總想著娛樂是很難做好預(yù)算的，但是在早期克制自己的購買欲是值得的。學(xué)期末想要出去慶祝，先在相關(guān)學(xué)生預(yù)算應(yīng)用上查查自己的賬戶，確保你還負(fù)擔(dān)得起外出花費(fèi)。
Plan meals in advance
提前計(jì)劃每餐
Walking back from a lecture, you’re likely to want to pick up lunch and a coffee with friends. Pay attention to jaunts like these – if they become too much of a habit, they will significantly impact your finances.
下課走在路上，你免不了會想和朋友一起買午餐，喝咖啡。注意這些小處的花費(fèi)——一旦養(yǎng)成這樣的習(xí)慣，你的資金會深受影響。
Preparing food at home is a great way to save money over the week, and there’s no need to cut back on the ingredients you love if you budget correctly.
在家準(zhǔn)備好食物是很好的省錢方式。只要你合理預(yù)算，買食材的時(shí)候完全可以放心買自己愛吃的。
Enjoy student discounts
享受學(xué)生折扣
Congratulations – you are now eligible for a ridiculous number of discounts. This doesn’t mean you should be increasing your spending just to enjoy them, but it does mean savings when you do go shopping.
恭喜！作為學(xué)生，現(xiàn)在的你可以享受超多種折扣。這并不是說你應(yīng)該為了享受折扣多消費(fèi)，而是在你真正需要購物的時(shí)候用折扣節(jié)省花費(fèi)。
Be sure to check the list of offers before registering for a card, as it’s only worth buying if you are likely to use it.
切記在購買相關(guān)打折卡之前查看折扣清單，確保這張會員卡對你有用再買。
Travel smarter
精打細(xì)算旅行
Travelling home for a weekend or visiting friends at other universities can be a costly affair, but that doesn’t have to put you off. There's the railcard that can get you up to a fifth off rail fares.
無論是要回家還是去找其他的大學(xué)的朋友玩，都會是一件花錢的事情，但這些不應(yīng)該阻擋你出行。記得買票時(shí)用火車票優(yōu)惠卡能打五折。
Alternatively – your friends will only turn 21 once – so get to their birthday celebrations with a ride-sharing service. If you have a car, you can offer seats to paying passengers, raking back a third of your petrol costs for each person you take on board.
或者這樣說，你的朋友們都只有21歲，所以你可以通過拼車服務(wù)去參加他們的生日慶祝會。如果你有車，可以捎上愿意付錢的人，畢竟多一個(gè)人可以幫你節(jié)省三分之一的油費(fèi)。