理財小貼士：大學生省錢的十大妙招
Student finance: top 10 student money saving tips
理財篇：學生省錢十大妙招
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.
無論這是你步入大學的第一年或第三年，花錢的誘惑總是無處不在-不僅僅在優年美食餐廳。問題是如果你想參加學校組織的滑雪旅行， 你需要在學期末的時候留點錢給自己。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
新學期第一週做好預算
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.
生活費剛打到賬戶的時候，你覺得自己“坐擁資產”，總是蠢蠢欲動地想要花錢。請注意，你已進入危險地帶。有人組織化妝舞會，你就下血本去買很貴的服裝；想有個新的愛好，你就馬上買來一個尤克里裏（夏威夷弦撥樂器）。
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.
一心總想着娛樂是很難做好預算的，但是在早期剋制自己的購買慾是值得的。學期末想要出去慶祝，先在相關學生預算應用上查查自己的賬戶，確保你還負擔得起外出花費。
Plan meals in advance
提前計劃每餐
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，你免不了會想和朋友一起買午餐，喝咖啡。注意這些小處的花費——一旦養成這樣的習慣，你的資金會深受影響。
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.
在家準備好食物是很好的省錢方式。只要你合理預算，買食材的時候完全可以放心買自己愛吃的。
Enjoy student discounts
享受學生折扣
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！作爲學生，現在的你可以享受超多種折扣。這並不是說你應該爲了享受折扣多消費，而是在你真正需要購物的時候用折扣節省花費。
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.
切記在購買相關打折卡之前查看折扣清單，確保這張會員卡對你有用再買。
Travel smarter
精打細算旅行
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.
無論是要回家還是去找其他的大學的朋友玩，都會是一件花錢的事情，但這些不應該阻擋你出行。記得買票時用火車票優惠卡能打五折。
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，你的朋友們都只有一次21歲，所以你可以通過拼車服務去參加他們的生日慶祝會。如果你有車，可以捎上願意付錢的人，畢竟多一個人可以幫你節省三分之一的油費。
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.
教科書總是貴得出奇，所以當你確定一本書以後會終老書架用不被問津的時候，用它在亞馬遜換張禮品卡。你的衣服也可以這樣處理。如果你覺得它們仍有所值，可以在易趣網賣掉時髦的奇裝異服，或者去跳蚤市場。Head online for money saving tips
在網上搜尋省錢妙招
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.
一旦進入大學，你泡在網絡上的時間很有可能已經超過健康範圍——普遍在凌晨一點以後。既然你已經在網上了，好好利用你的時間去瀏覽某些網站，去尋找特價產品，折扣和預算小貼士。
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有名牌那麼炫。不要被這種說法影響——它的質量通常和名牌沒有多大區別。不買知名品牌能幫你大省一筆再去買吃的補給冰箱，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.
下次宿醉之後再頭痛，記得買藥也是一樣的道理。知名品牌的止痛藥會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後走在回家路上，試着迴避震耳的音樂交談，正是該來點油膩小吃的時候，而且你已經透過早晨清冷的空氣聞到了來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！在每個外出玩耍的夜晚都買快餐要付出代價的，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，試着回家去吃碗麥片或者烤麪包吧。
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!
不是應該叫“找工作”麼？額，有點像吧。但是我們都知道不是每個大學都有時間讓你一邊上學一邊在酒吧打工的。如果你覺得自己有能力平衡二者，放手去找工作吧。如果你做不到，試着在網上完成一些有償的調查問卷或者針對特定羣體的市場調研。畢竟，大家都會默默愛上好的調研！
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.
益普索會獎勵完成網上調研的用戶，提供在如亞馬遜或者約翰路易斯購物的代金券。如果你有再多點時間，在像Saros等每星期做兩個小時的特定羣體調研會給你30-100英鎊的報酬，這會大大充盈你的錢包。
‘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，但你已經是大學生了，所以你總會有機會喝酒的。儘管如此，請採納我們的建議——外出前先喝酒會幫你省錢。當地超市的酒幾乎總是比學生酒吧賣得便宜，所以適時去超市買酒，和朋友們在家裏開始晚上的娛樂。這樣做的額外獎勵：沒了酒吧的喧鬧，你還可以聽到他們在講什麼。
