Heading off to college? Tips for managing your finances
- The AP report says college is a good time for students to start building credit, since early credit history can help later with loans, apartments and other financial products.
- Experts quoted in the story recommend using secured credit cards or student credit cards, while keeping spending limited to what can be paid off each month.
- The article advises students to budget carefully, especially if income comes from part-time work, financial aid or family support and may be irregular.
- It says students should prioritize building an emergency savings cushion before focusing on investing.
- The report also recommends that students talk openly with friends about money and make a plan for student loans, including how much they borrow and what repayment will likely look like after graduation.
The Associated Press report says starting college is also a good time to start learning how to handle money. Financial experts quoted in the story say students should begin building credit, form disciplined spending habits and think ahead about how college financial choices can affect their lives after graduation.
The article recommends that students start with simple credit tools such as secured credit cards or student credit cards, while making sure they only charge what they can afford to pay off each month. It also advises students to pay close attention to their budgets, especially when they rely on a mix of part-time work, aid and family support.
The story says students should save before they invest, aiming to build an emergency cushion that can cover essentials for several months. It also suggests talking openly with friends about money to avoid social pressure to overspend and to make priorities clearer.
For students taking out loans, the report stresses the value of understanding how much is being borrowed and what repayment will look like later. It also notes that universities usually offer resources that can help students manage their finances and make more informed decisions.
即将上大学？管理财务的几个建议
美联社这篇报道说，进入大学也是学习理财的好时机。文中引述的理财人士建议，学生应尽早开始建立信用记录、形成克制的消费习惯，并提前考虑大学期间的财务选择会如何影响毕业后的生活。
文章建议学生从担保信用卡或学生信用卡等较简单的工具入手，但前提是每月只刷自己有能力全额还清的金额。报道还提醒学生认真做预算，尤其是在收入来自兼职、助学金和家庭支持等多种来源、且不一定稳定的时候。
报道说，学生在考虑投资前应先储蓄，建立一笔能够覆盖几个月基本开支的应急资金。它还建议学生和朋友坦诚讨论金钱问题，以避免因社交压力而超支，并更清楚自己的消费优先级。
对于申请学生贷款的学生，报道强调要了解每学期借了多少、毕业后的还款规模会是多少。报道还指出，大学通常会提供一些财务资源，帮助学生更好地管理资金并做出更明智的决定。