理財(cái)篇：學(xué)生省錢十大妙招

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.

無(wú)論這是你步入大學(xué)的第一年或第三年，花錢的誘惑總是無(wú)處不在-不僅僅在優(yōu)年美食餐廳。問(wèn)題是如果你想?yún)⒓訉W(xué)校組織的滑雪旅行， 你需要在學(xué)期末的時(shí)候留點(diǎn)錢給自己。本文將和各位新老生一起分享十大省錢妙招。

Budget during the first weeks of term

新學(xué)期第一周做好預(yù)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.

生活費(fèi)剛打到賬戶的時(shí)候，你覺(jué)得自己“坐擁資產(chǎn)”，總是蠢蠢欲動(dòng)地想要花錢。請(qǐng)注意，你已進(jìn)入危險(xiǎn)地帶。有人組織化妝舞會(huì)，你就下血本去買很貴的服裝;想有個(gè)新的愛(ài)好，你就馬上買來(lái)一個(gè)尤克里里(夏威夷弦撥樂(lè)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.

一心總想著娛樂(lè)是很難做好預(yù)算的，但是在早期克制自己的購(gòu)買欲是值得的。學(xué)期末想要出去慶祝，先在相關(guān)學(xué)生預(yù)算應(yīng)用上查查自己的賬戶，確保你還負(fù)擔(dān)得起外出花費(fèi)。

Plan meals in advance

提前計(jì)劃每餐

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.

下課走在路上，你免不了會(huì)想和朋友一起買午餐，喝咖啡。注意這些小處的花費(fèi)——一旦養(yǎng)成這樣的習(xí)慣，你的資金會(huì)深受影響。

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.

在家準(zhǔn)備好食物是很好的省錢方式。只要你合理預(yù)算，買食材的時(shí)候完全可以放心買自己愛(ài)吃的。

Enjoy student discounts

享受學(xué)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!作為學(xué)生，現(xiàn)在的你可以享受超多種折扣。這并不是說(shuō)你應(yīng)該為了享受折扣多消費(fèi)，而是在你真正需要購(gòu)物的時(shí)候用折扣節(jié)省花費(fèi)。

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.

切記在購(gòu)買相關(guān)打折卡之前查看折扣清單，確保這張會(huì)員卡對(duì)你有用再買。

Travel smarter

精打細(xì)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.

無(wú)論是要回家還是去找其他的大學(xué)的朋友玩，都會(huì)是一件花錢的事情，但這些不應(yīng)該阻擋你出行。記得買票時(shí)用火車票優(yōu)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.

或者這樣說(shuō)，你的朋友們都只有一次21歲，所以你可以通過(guò)拼車服務(wù)去參加他們的生日慶祝會(huì)。如果你有車，可以捎上愿意付錢的人，畢竟多一個(gè)人可以幫你節(jié)省三分之一的油費(fèi)。

Sell, sell, sell

大賣特賣

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.

教科書(shū)總是貴得出奇，所以當(dāng)你確定一本書(shū)以后會(huì)終老書(shū)架用不被問(wèn)津的時(shí)候，用它在亞馬遜換張禮品卡。你的衣服也可以這樣處理。如果你覺(jué)得它們?nèi)杂兴?，可以在易趣網(wǎng)賣掉時(shí)髦的奇裝異服，或者去跳蚤市場(chǎng)。

Head online for money saving tips

在網(wǎng)上搜尋省錢妙招

Once you've arrived at university, chances are you’ll spend more time online than can really be healthy – generally at 1am. As you're already connected, make the most of your browsing time by heading to some websites for offers, discounts and budgeting tips.

一旦進(jìn)入大學(xué)，你泡在網(wǎng)絡(luò)上的時(shí)間很有可能已經(jīng)超過(guò)健康范圍——普遍在凌晨一點(diǎn)以后。既然你已經(jīng)在網(wǎng)上了，好好利用你的時(shí)間去瀏覽某些網(wǎng)站，去尋找特價(jià)產(chǎn)品，折扣和預(yù)算小貼士。

Buy non-branded

買非名牌

We understand that there’s something less than glamorous about supermarket value ranges. Don’t let that stop you – the quality is often indistinguishable from that of branded produce. Avoiding the household names can mean a hefty saving on filling the fridge, so you’d be wise to look beyond the labels.

大家都知道平民品牌沒(méi)有名牌那么炫。不要被這種說(shuō)法影響——它的質(zhì)量通常和名牌沒(méi)有多大區(qū)別。不買知名品牌能幫你大省一筆再去買吃的補(bǔ)給冰箱，所以不被品牌迷住雙眼是很明智的。

Next time an all-nighter leaves you with a headache, remember that the same principle also applies to medicines. Branded pain killers can be significantly more expensive than supermarket versions, which often sell for less than 1.

下次宿醉之后再頭痛，記得買藥也是一樣的道理。知名品牌的止痛藥會(huì)比超市賣的普通品牌貴很多。超市的品牌一般只賣不到一英鎊。

Avoid the kebab shop

遠(yuǎn)離烤肉店

You’re on your way home from another night in the KTV and trying to converse over a deafening beat. It’s time for something greasy, and you can already smell the kebab shop on the crisp morning air …

通宵唱K后走在回家路上，試著回避震耳的音樂(lè)交談，正是該來(lái)點(diǎn)油膩小吃的時(shí)候，而且你已經(jīng)透過(guò)早晨清冷的空氣聞到了來(lái)自烤肉店的誘人味道…

Stop! Adding fast food to each and every night out is going to take its toll, not only on your waistline, but also on your finances. Indulge in some cheesy chips from time to time, but if you’re serious about saving money, try returning home to a bowl of cereal or some toasted pitta.

停!在每個(gè)外出玩耍的夜晚都買快餐要付出代價(jià)的，不僅僅是你的腰圍，還有你的錢包。你可以偶爾享受芝士薯片，但要真的想存錢，試著回家去吃碗麥片或者烤面包吧。

Get paid to do stuff

打工賺錢

Shouldn’t that say ‘get a job’? Well, sort of – but we’re aware that not every university gives you time to put your all into studying while working in a bar along the way. If you think you can balance it, by all means apply for a job. If you can’t, try taking part in paid online surveys or market research focus groups. After all, everyone secretly loves a good survey!

不是應(yīng)該叫“找工作”么?額，有點(diǎn)像吧。但是我們都知道不是每個(gè)大學(xué)都有時(shí)間讓你一邊上學(xué)一邊在酒吧打工的。如果你覺(jué)得自己有能力平衡二者，放手去找工作吧。如果你做不到，試著在網(wǎng)上完成一些有償?shù)恼{(diào)查問(wèn)卷或者針對(duì)特定群體的市場(chǎng)調(diào)研。畢竟，大家都會(huì)默默愛(ài)上好的調(diào)研!

Ipsos rewards users for completing surveys online, offering vouchers from the likes of Amazon and John Lewis. If you have a little more time, a focus group like Saros will pay 30 to 100 for two hours’ work – a welcome boost to your budget.

益普索會(huì)獎(jiǎng)勵(lì)完成網(wǎng)上調(diào)研的用戶，提供在如亞馬遜或者約翰路易斯購(gòu)物的代金券。如果你有再多點(diǎn)時(shí)間，在像Saros等每星期做兩個(gè)小時(shí)的特定群體調(diào)研會(huì)給你30-100英鎊的報(bào)酬，這會(huì)大大充盈你的錢包。

‘Pre-drinks’

“去酒吧前，在家喝酒”

We’re not advocating drinking, but you’re a student now, so we suspect you’re doing it anyway. Take our advice on this, though – you’ll save money if you drink before going out. Your local supermarket is almost always going to beat student bars on price, so buy accordingly, and start your evening at home with friends. Bonus: you’ll actually be able to hear what they’re saying.

此處不是提倡喝酒，但你已經(jīng)是大學(xué)生了，所以你總會(huì)有機(jī)會(huì)喝酒的。盡管如此，請(qǐng)采納我們的建議——外出前先喝酒會(huì)幫你省錢。當(dāng)?shù)爻械木茙缀蹩偸潜葘W(xué)生酒吧賣得便宜，所以適時(shí)去超市買酒，和朋友們?cè)诩依镩_(kāi)始晚上的娛樂(lè)。這樣做的額外獎(jiǎng)勵(lì)：沒(méi)了酒吧的喧鬧，你還可以聽(tīng)到他們?cè)谥v什么。