With college starting for freshmen¹ across the country, now is the time to be thinking about money.

随着全国各地的大学新生开始入学，是时候考虑一下钱的问题了。

Why? Because for many freshmen, this will really be their first time handling money on their own. They will have to pay bills, handle budgets, find a bank, and be faced with choices around credit cards and insurance.

为什么？因为对于很多大一新生来说，这将是他们第一次独自理财。他们必须自己支付账单，处理预算，寻找银行，还将面临信用卡和保险的选择。

Here are 5 of the most important choices, and some amazing tips to go with them.

这里有5个最重要的选择，还有一些相关的非常棒的建议。

For the record, we are not talking about methods like buying cheap beer or stealing toilet paper from the school library. We're talking about some real stuff.

郑重声明，我们讨论的并不是购买廉价啤酒或从学校图书馆偷厕纸之类的方法。我们讨论的是一些货真价实的东西。

1.Keep Your Personal Finances Mobile

保持个人财务的流动性

College is the age for one to start being smart with their money and know how to properly invest, save up, and pay off their debts.

大学是一个人开始明智花钱，懂得如何正确投资、存钱和还债的年龄。

The first step is to start keeping accounts for yourself. This is how you learn what responsibility is and how you become truly independent.

第一步是开始为自己记账。这就是你学会什么是责任和如何变得真正独立的方法。

Actually, in this case, we're way luckier than our parents once were, because there are now a lot of convenient APPs on your smartphone that can Give you a real time image of your money and spendings.

事实上，在这种情况下，我们比我们的父母幸运得多，因为现在智能手机上有很多方便的应用程序，可以让你实时了解你的钱和消费情况。

2. Credit Is Important, So Use It Responsibly信用很重要，所以要负责任地使用它

My best financial advice for college students is to be smart with you first credit card. During your first few weeks on campus, you will likely be bombarded with credit card booths and seemingly friendly salespeople².

对于大学生来说，我最好的理财建议就是聪明地使用你的第一张信用卡。在开学的前几周，你可能会受到信用卡展位和看似友善的销售人员的狂轰滥炸。

Don't be tempted³ to open a credit card just because they tell you it's cool to do it. Building credit is important, and so is opening your first credit card.

不要仅仅因为别人告诉你开信用卡很酷就想去开。建立信用很重要，办理你的第一张信用卡也同样重要。

Ask the salespeople to explain the fine print to you and look for a card with no annual fee, good rewards, and of course-a reasonable interest rate.

让销售人员给你解释一下细则，然后找一张没有年费、回报丰厚、当然还有合理利率的信用卡。

If they tell you that the offer is only good for that day, just do yourself a favor and walk away.

如果他们告诉你这个优惠仅适用于那一天，那就帮你自己一个忙，掉头走开。

3. Learn To Start Saving A Little Each Month

学会开始每个月都存一点

My best money tip is to start now saving small and incrementally⁴ increase. The easiest way to start, as a cash strapped⁵ college student, is to save all your coins and deposit every week into a savings⁶ account with no ATM card (to avoid temptation to withdraw for frivolous⁷ things).

我最好的省钱建议是现在就开始储蓄，并且逐渐增加。作为一名手头拮据的大学生，最简单的开始就是把所有的硬币都存起来，每周都存到一个没有ATM卡的储蓄账户里(这样可以避免因为一些无聊的事情而去取钱)。

This seemingly insignificant⁸ amount adds up over time and starts the habit of saving.

随着时间的推移，这个看似微不足道的数字会逐渐累积，而你也养成了存钱的习惯。

Incrementally increase by adding ?50 each week and upping by at least ?50 each month (or quarterly if money is seriously tight).

每周增加50元，每月至少增加50元（如果资金严重紧张，就每季度增加一次）。

This is a no brainer way to save that is easy, manageable, and sets a great habit into place for a life of savings well into the future.

这是一种简单易行、易于管理的省钱方法，并且为以后的储蓄生活养成了良好的习惯。

4. Get A Job, But A Flexible One

找份灵活的工作

Getting a job in college is important because you can earn "spending money" and even save some to put toward books, supplies, and your student loans.

在大学找一份工作很重要，因为你可以赚到“你花的钱”，甚至还可以存一些钱用来买书、买文具和学生贷款。

But your job can have an even bigger impact if it's one that allows you to do your homework.

如果你的工作能让你同时完成作业，那么它会产生更大的影响。

There are many on-campus jobs out there that allow you to sit down and have limited interactions/responsibilities. Some of these include checking student IDs at a gym or cafeteria, managing a resource center (at the library, for example).

校园里有很多可以让你坐下来，不用怎么跟人交流，责任也有限的工作。其中包括在体育馆或自助餐厅检查学生证，管理资源中心(例如在图书馆)。

These types of work arrangements allow you to make money while also being productive. The end result is a much more efficient use of your time, and it keeps your job from becoming a burden to your schoolwork, which could potentially force you to quit the job and then not have the money you need.

这些类型的工作安排让你赚钱的同时还能保持好的效率。最终的结果是你能更有效地利用你的时间，同时你的工作也不会成为你学业的负担，否则你可能会被迫辞职而挣不到你需要的钱。

5. Remember Why You're In College - Networking For Your Future Career记住你上大学的原因——为你未来的职业建立关系网The number one money tip I could share with college freshman⁹ is to work on your network by taking internships and getting into various kinds of organizations as much as possible.

我能和大一新生分享的第一个财富小贴士就是通过实习和尽可能多地加入各种组织来拓展你的社交网络。

No money item could be more important than your network because the quickest way to secure a job is all about who you know, and not totally dependent on your GPA.

没有比人际关系网络更重要的金钱项目了，因为获得工作的最快方法就是通过你认识的人，而不是完全依赖你的平均学分绩点。

This could make them a lot more money than opening up a credit card or a bank account.

这可能会让他们比开信用卡或银行账户赚更多的钱。