理财小贴士：大学生省钱的十大妙招

Student finance: top 10 student money saving tips
理财篇：学生省钱十大妙招

Whether it’s your first or your third year, the temptation to spend is everywhere – not least at the union bar. Problem is, you’ll need cash left at the end of term if you fancy joining the university ski trip. Here are ten great money saving tips for old and new students alike.
无论这是你步入大学的第一年或第三年，花钱的诱惑总是无处不在-不仅仅在优年美食餐厅。问题是如果你想参加学校组织的滑雪旅行， 你需要在学期末的时候留点钱给自己。本文将和各位新老生一起分享十大省钱妙招。

Budget during the first weeks of term
新学期第一周做好预算

With the living expenses fresh in your account, you’re so far 'in the black' that you’re positively itching to spend. Beware – you have entered the danger zone. Someone organises a fancy dress party: you fork out on an expensive costume. You need a new hobby: you acquire a ukulele.
生活费刚打到账户的时候，你觉得自己“坐拥资产”，总是蠢蠢欲动地想要花钱。请注意，你已进入危险地带。有人组织化妆舞会，你就下血本去买很贵的服装；想有个新的爱好，你就马上买来一个尤克里里（夏威夷弦拨乐器）。

It’s hard to budget when you’re keen to have fun, but it is worth holding off on extravagant spending early on. If you want to go out and celebrate at the end of term, check out some student budget apps to make sure you have something left to spend.
一心总想着娱乐是很难做好预算的，但是在早期克制自己的购买欲是值得的。学期末想要出去庆祝，先在相关学生预算应用上查查自己的账户，确保你还负担得起外出花费。

Plan meals in advance
提前计划每餐

Walking back from a lecture, you’re likely to want to pick up lunch and a coffee with friends. Pay attention to jaunts like these – if they become too much of a habit, they will significantly impact your finances.
下课走在路上，你免不了会想和朋友一起买午餐，喝咖啡。注意这些小处的花费——一旦养成这样的习惯，你的资金会深受影响。

Preparing food at home is a great way to save money over the week, and there’s no need to cut back on the ingredients you love if you budget correctly.
在家准备好食物是很好的省钱方式。只要你合理预算，买食材的时候完全可以放心买自己爱吃的。

Enjoy student discounts
享受学生折扣

Congratulations – you are now eligible for a ridiculous number of discounts. This doesn’t mean you should be increasing your spending just to enjoy them, but it does mean savings when you do go shopping.
恭喜！作为学生，现在的你可以享受超多种折扣。这并不是说你应该为了享受折扣多消费，而是在你真正需要购物的时候用折扣节省花费。

Be sure to check the list of offers before registering for a card, as it’s only worth buying if you are likely to use it.
切记在购买相关打折卡之前查看折扣清单，确保这张会员卡对你有用再买。

Travel smarter
精打细算旅行

Travelling home for a weekend or visiting friends at other universities can be a costly affair, but that doesn’t have to put you off. There's the railcard that can get you up to a fifth off rail fares.
无论是要回家还是去找其他的大学的朋友玩，都会是一件花钱的事情，但这些不应该阻挡你出行。记得买票时用火车票优惠卡能打五折。

Alternatively – your friends will only turn 21 once – so get to their birthday celebrations with a ride-sharing service. If you have a car, you can offer seats to paying passengers, raking back a third of your petrol costs for each person you take on board.
或者这样说，你的朋友们都只有一次21岁，所以你可以通过拼车服务去参加他们的生日庆祝会。如果你有车，可以捎上愿意付钱的人，毕竟多一个人可以帮你节省三分之一的油费。

Sell, sell, sell
大卖特卖

Your textbooks are surprisingly valuable, so when you’re sure that a book’s future is to sit and gather dust, head to Amazon to trade it in for a gift card. The same applies to your clothes. Rid yourself of fashion faux-pas at eBay, or head to flea markets if you think they’re worth a buck or two.
教科书总是贵得出奇，所以当你确定一本书以后会终老书架用不被问津的时候，用它在亚马逊换张礼品卡。你的衣服也可以这样处理。如果你觉得它们仍有所值，可以在易趣网卖掉时髦的奇装异服，或者去跳蚤市场。