College is thrilling, but it’s also expensive, and you might be starting to live on a tight budget. Here’s a brand-new plan about how to get your finances in order. Trust us, and you’ll be well on your way to being a cash-saving queen. Your bank account will prosper and your wallet will never be light.

61.____________Whether you’re working your way through school or you receive an allowance, it’s easy to wonder where your money goes at college. Luckily, it’s also easy to find out: to see what you spend and where you’re spending it, try linking your debit card (借记卡) and bank accounts to some popular budgeting apps. That way, you’ll automatically know what you’ve spent the most on, which allows you to adjust your budget accordingly, and maybe even set some money aside.

62.____________ Do you need a large coffee Monday through Friday? No. Budgeting is a lot about compromise (妥协) and knowing what’s a desire VS. a necessity—which upsets you in the moment—but can help you in the long run. A $5 cup of coffee every day can add up fast to a huge amount of money. Your drinking habit might have bought you a new Macbook instead. However, that doesn’t mean you have to give up all your desires, though. Consider springing for a cool little coffee pot you can use in your dorm room, and set rules for yourself about how and when you’re allowed to splurge (挥霍). 

63.____________ Many universities have resources that will help you with budgeting and planning. There also may be a credit union, so don’t be afraid to walk in and ask some questions. Credit unions can turn into a great place to apply for low-interest loans following graduation, and this time of life is often your first opportunity to start building a good credit score. Trust us: you are going to need it.

64.____________Building credit is super important. Mind your credit card balance. Your balance amount is going to have to get paid off eventually, with interest, so make sure you’re only spending what you’ll be able to wipe out at the end of the month, and never carry a balance for more than that. We also recommend you consider setting aside a reasonable amount of pocket money for impulse purchases.

65.____________ Budgeting when you don’t have a lot of money feels sort of impossible sometimes, and making money when you’re spending all your time studying also might seem out of reach. But it’s worth thinking about some of the less traditional paths to make money, like getting rid of unwanted wardrobe items at an online store. And you can also make a few dollars without too much effort while you’re camped out in front of the computer. Many college campuses run paid surveys, sometimes up to $25 to answer 20 minutes of questions.

A.      Makemoney without affecting school work.

B.      Guaranteepositive bank account balance.

C.      Turnto campus resources for help.

D.      Keeptrack of your expenses.

E.       Differ“wants” from “needs.”

F.       Stickto your budget.