新生报到：大学生必知的六条金钱法则_BEC初级作文

新生报到：大学生必知的六条金钱法则

4. 如果你没那么多钱，那就凑活着过吧。这是很多人（无论老少）经常忘记的一点。你并非真的需要一辆车，所以手上的现金不够时别去贷款；你并不需要华贵服装、智能手机、精巧笔记本、iPad或Kindle电子阅读器，你不需要去高级饭店、电影院或酒吧。如果你没那么多钱，那就找一些不需要花钱的休闲方式吧，或者做一些自己应该做的事情。

5. Make a very very simple budget. It’s a scary thing for people who’ve never done a budget, but it’s not hard. List your income, then list your bills (and savings). If the bills add up to more than the income, eliminate some bills. Use a simple spreadsheet to do the adding for you. This helps you to know what’s coming in and going out. I like the envelope system for making sure I don’t spend too much on variable expenses.

5. 制作非常简单的预算计划。对于从没有做过预算的人来说这似乎是一件非常恐怖的事情，但这其实并不难。列出你的收入，然后你的账单（或者存款）。如果你的支出账单超过了收入，那么减少开支。用简单的电子表格来帮助你。这会让你弄清楚手中钱的出入情况。我喜欢用信封系统，它能让我确定自己不会在一些乱七八糟的花销上浪费钱。

6. Pay bills right away. If you have the money, pay the bill as soon as it comes in. You can usually do this online, but if not, it’s just a matter of writing a check, putting it in an envelope, and writing out an address — two minutes. Do this two-minute action immediately, so you don’t have to worry about it later. If you let the bill-paying get pushed back, it becomes a dreaded thing, and your bills start to become overdue, and then it’s much worse.