华尔街日报致毕业生：给应届大学毕业生的理财建议

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！）。

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.
为了建立信用记录，你应该有一张到两张信用卡，至少每几个月使用一次表明你会为还款负责。准时偿还助学贷款同样可以帮你建立良好的信用记录。

4. Avoid unnecessary fees.
避开不必要的费用

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.
为了合理使用预算，到当地的信用社或是网上账户获得免费的账户。尽量不要去自动取款机取钱，因为会产生手续费，把你的储蓄账户绑定到查询账户上，这样你就永远不用支付因透支产生的费用了。准时还款避免滞纳金，全额支付账单，避开产生利息。

5. Use your social network.
发挥你的社交网络

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.
你的朋友们可以分享信息，所以要利用别人了解的信息。不要在网上晒你的银行收支单或工资单，这很无聊，但不要怕问最近毕业的同学们付了多少房租、汽车保险或是上网费。记住你在大学里学到的：跟那些做了功课的同学做朋友是对的。