你要如何平衡这些需求?你要精打细算,购买一辆便宜的二手车而不是新车。寻找伙伴合租,带午餐去上班。在要背负很多债务前,如果你不想搬回家的话,那么确保至少有1000美元的储蓄作为紧急备用,或是在银行预留了三个月的开销费用。如果雇主提供了一项退休计划的福利,出资争取至少一部分利益,这样白拿的钱可不要错过哦。
3. Know your credit report.
了解你的信用报告
Employers might care less about your grades than your credit record, which shows how well you manage your obligations. So before you apply for a job or a car loan, go to AnnualCreditReport.com and see what your credit report looks like. You can check each of the three big credit bureaus' reports for free once a year.
比起你的在校成绩,雇主可能会更关心你的信用记录,因为信用记录表明了你管理债务的情况。因此在你求职或申请汽车贷款前,去AnnualCreditReport网站看看你的信用报告情况。三大信用机构的报告你都可以一年查询一次。
If you didn't have your own credit card in college or didn't use it, you may not have much of a credit record at all. In that case, a landlord might not lease you an apartment without your parents cosigning. (That's another reason to be nice to them!)
如果你在大学里没有你自己的信用卡,或没使用,你可能就没有那么多的信用记录。若是那样的话,没有你父母的签字保证,房东可能不会向你出租房屋(这是另一个要善待父母的理由!)。
【华尔街日报致毕业生:给应届大学毕业生的理财建议】相关文章:
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