给应届毕业生的5大理财建议

3. 熟悉自己的信用报告。雇主可能更在意你的信用记录而不是你的学习成绩。信用记录可以显示你管理自己债务的好坏程度。因此，在你求职或申请汽车贷款之前，到AnnualCreditReport.com网站看看自己的信用报告是什么状况吧。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!)
如果你在大学期间没有办理信用卡或者没有使用过信用卡，你可能根本就没有足够多的信用记录。在这种情况下，如果没有你父母的共同签名，房东可能不会租房给你。（这是另一个要善待父母的理由！）

To build a credit record, you should have one or two credit cards and use them at least every couple of months to show you can pay your bills responsibly. Paying student loans on time also will help build a good credit history.
要创建信用记录，你应该拥有一两张信用卡，并且至少每几个月要使用一次，以此证明你能够以负责的态度支付账单。按时偿还学生贷款对于建立良好的信用记录也会有所帮助。

Avoid unnecessary fees. To make your budget work, look for free checking accounts at a local credit union or an online account. Avoid automated-teller-machine fees and link your savings account to your checking account so that you'll never pay an overdraft fee. Pay your bills on time to avoid late fees and in full to avoid interest.
4. 避免不必要的开支。要让你的预算得以实施，你可以到当地信用社或通过网上账户获得免费的支票账户。尽量不要产生自动提款机手续费，把你的储蓄账户与你的支票账户相关联，这样你就不用支付透支的费用了。按时支付账单，避免产生滞纳金，全额支付账单，避免产生利息。

Use your social network. Your friends are used to sharing information, so take advantage of each other's knowledge. Don't post your bank balance or salary online─that's tacky─but don't be shy about asking other recent grads what they pay for rent, car insurance or Internet service. Remember what you learned in college: It's good to be friends with someone who did the homework.
5. 利用你的社交网络。你的朋友们习惯于共享信息，因此，要互相利用别人了解的信息。不要在网上贴出你的银行存款余额或工资──那样也太傻了──但是也不要羞于启齿问问其他最近毕业的学生他们的房租、汽车保险费或上网费是多少。记住你在大学期间学到的这一点：与做了功课的人为友是件好事。