There are many costs involved with going to college including tuition, books, housing, entertainment, and food.These costs can quickly add up and make life after college a financial nightmare.

To avoid getting into a sticky situation yourself, here are ten practical money tips for you, the college student.Try some of these tips to lower the amount of debt you end up with, and to help clear your head after graduation.If you are the parent of a college student, send them this list.

1.Be Careful Of Promotions On Campus
There are certain companies and organizations that make money by preying on naive and unsuspecting college students. Some examples of this are credit card companies, loan companies, and employers looking for dirt cheap labor. Just be aware of the people out there hoping to make an easy buck off of you. Regardless of the endorsements, read the fine print.

2.Don't Eat Out All The Time
It may be convenient and tempting to eat out frequently, but it can end up costing you a lot of money. Start keeping track of how many times you eat out every week or month, to see how the costs add up. You might be surprised by how much money you spend on food.

3.Use Your Credit Card For Emergencies Only
With all of the expenses associated with going to college, it can be very easy to rack up a lot of credit card debt. So instead of making poor decisions with your credit card, save it for emergencies only. It is easy to overspend and spend without thinking when you're paying with plastic, but when you pay with cash, things are very different.

4.Commute To School
Living off campus and commuting to school is an option that can help you save a bundle of money. This is especially true if you go to school on an urban campus, where rent can cost a lot of money. The cost of gas, insurance, parking, and maintenance can be far less than paying for rent in many cases.

5.Buy Books Online Before The Semester Starts
Most college students know that buying books on campus can be a big rip off. The profit margins at college and university bookstores can be as high as 50%. The main reason why students buy from these book stores is because of convenience. It's so much easier to get your books on campus and go right to class, but the costs are just too high. If you plan ahead and buy your books online, you can save yourself hundreds of dollars per semester.

6.Consolidate Loans
Do the math and find out if consolidating your school loans will make it easier to pay them off in the future. In many cases, loan consolidation can help simplify and reduce your overall debt and interest payments.

7.Get A Part Time Job
If you have time outside of your academic and social life, consider taking on a part time job to make extra money. Having a part time job will give you some extra cash to pay for the things you need and help you avoid adding more to your debts. Many schools offer work/study programs that pay students tax free.

8.Max Out Financial Aid And Scholarships
Find financial aid and scholarship programs to help pay for your education and other expenses. There is probably a scholarship program for your particular major, ethnicity group, or background. Most of these scholarships require a simple essay and resume and can be well worth the time and effort put into applying for them. The bottom line is, if you're not maxing out the amount of financial aid and scholarships you receive, you're leaving money on the table.

9.Take Advantage Of Student Discounts
Ask around to find out about restaurants and entertainment venues that offer discounts to college students. You can get discounts on meals, movie tickets, concert tickets, and clothing just for having a college ID. If you're going to spend money on these things anyway, you might as well try to get a discount.

10.Study Hard
The best way to save money in college is to make the most of the money you're spending. If you study hard and do well academically, the thousands and thousands of dollars you spent to go to school will have been that much better spent. So do the best you can and make the most of your tuition dollars.

College is expensive and is getting more expensive each year. Most college students are unprepared to face the financial burdens that are required to earn a degree. With these ten tips, you’ll have a better chance of maintaining your financial health throughout college.

上大學(xué)涉及的費(fèi)用很多，包括學(xué)費(fèi)、書(shū)、住宿、娛樂(lè)還有伙食。這些費(fèi)用會(huì)迅速地疊加起來(lái)，并把你的畢業(yè)后的生活變成一個(gè)“理財(cái)?shù)鬲z”。

這里有10個(gè)實(shí)用的理財(cái)訣竅,讓你避免自己陷入棘手的情況。嘗試這里的一些建議來(lái)減少你最終的債務(wù)，同時(shí)幫助你畢業(yè)后還清債款。如果你是大學(xué)生的父母，給孩子們看看這些建議。

1、小心校園里的促銷活動(dòng)

有一些公司和組織通過(guò)獵食那些天真的沒(méi)有疑心的大學(xué)生來(lái)賺錢。例如信用卡公司，貸款公司還有尋找廉價(jià)勞動(dòng)力的雇主。要知道外面的這些人只是想從你身上簡(jiǎn)簡(jiǎn)單單地賺到錢。無(wú)視其他羅嗦的協(xié)議，先認(rèn)真看看關(guān)于小字體的附屬條款。

2、不要總是在外面吃飯

頻繁地去外面吃飯雖然很方便也很誘人，但是它會(huì)吃掉你一大筆錢。開(kāi)始留意每星期或者每月外出吃飯的次數(shù)，看看這耗費(fèi)了你多少錢。你可能會(huì)對(duì)你在伙食上的花銷感到驚訝。

3、只在緊急狀況下才使用你的信用卡

加上和上大學(xué)相關(guān)的所有費(fèi)用，大量的信用卡債務(wù)很容易就會(huì)被構(gòu)架起來(lái)。因此，與其根據(jù)你的拙劣的決定來(lái)使用信用卡，不如省下來(lái)應(yīng)急。當(dāng)你用信用卡買東西時(shí)，很容易透資或者想也不想就把錢花掉，但是如果你用現(xiàn)金付款，情況就不一樣了。

4、通勤上學(xué)

住在校外和通勤上學(xué)是一個(gè)能為你省下一筆錢的選擇。如果你在市區(qū)的校園里上學(xué)則更是如此，房租就能花掉一大筆錢。在許多情況下，瓦斯、保險(xiǎn)、停車和維修的費(fèi)用可以遠(yuǎn)低于支付租金。

5、在開(kāi)學(xué)錢上網(wǎng)買書(shū)

很多大學(xué)生都知道，在校園里買書(shū)就像被洗劫一場(chǎng)。學(xué)校里的書(shū)店利潤(rùn)率高達(dá)50%。學(xué)生在這些買書(shū)的主要原因是方便。在校園里買書(shū)可以方便地拿了書(shū)就直接去上課，但是費(fèi)用太高了。如果你事先計(jì)劃好在網(wǎng)上買書(shū)，每學(xué)期你可以給自己省下幾百塊的美元。

6、合并貸款

計(jì)算并找出，合并你在學(xué)校的貸款是否會(huì)使得將來(lái)更容易還清。在許多情況下，合并貸款能幫助你簡(jiǎn)化和減少你的總債務(wù)和利息。

7、找一份兼職

如果除了學(xué)術(shù)和社交活動(dòng)你還有足夠的時(shí)間，考慮從事一份兼職來(lái)賺點(diǎn)外快。有一份兼職能給你帶來(lái)額外的現(xiàn)金來(lái)購(gòu)買必需品，還可以幫你避免增加更多的債務(wù)。許多學(xué)校提供給學(xué)生免稅的半工讀計(jì)劃。

8、最大化財(cái)政援助貸款和獎(jiǎng)學(xué)金

尋找財(cái)政援助貸款和獎(jiǎng)學(xué)金來(lái)幫助你的教育和其他方面的開(kāi)支。很可能會(huì)有為你的特殊專業(yè)，種族或者背景所提供的獎(jiǎng)學(xué)金。大部分這種獎(jiǎng)學(xué)金只需要一篇簡(jiǎn)單的論文和一份簡(jiǎn)歷，而且你投入其中的時(shí)間和努力能獲得相當(dāng)不錯(cuò)的回報(bào)。如果沒(méi)有最大限度地獲得這類財(cái)政援助和獎(jiǎng)學(xué)金,你就等于把它們白白錯(cuò)過(guò)了.

9、利用學(xué)生折扣

問(wèn)問(wèn)周圍的人了解關(guān)于提供大學(xué)生優(yōu)惠的餐廳和娛樂(lè)場(chǎng)所。只是因?yàn)槟阌袑W(xué)校的ID你就能在吃飯、電影票、音樂(lè)會(huì)門票上打折。無(wú)論如何，如果你打算在這些方面花錢的話，你還不如嘗試打折。

10、努力學(xué)習(xí)

在大學(xué)省錢的最佳方法是讓你所花的錢價(jià)值最大化。如果你努力學(xué)習(xí)并在學(xué)術(shù)上最的很好,上學(xué)所花的成千上萬(wàn)塊錢將更有價(jià)值。所以，要全力以赴，做到最好，充分利用你的學(xué)費(fèi)。

大學(xué)很貴，而且每一年都變得越來(lái)越貴。許多大學(xué)生沒(méi)有準(zhǔn)備好面對(duì)獲取學(xué)位所必須的經(jīng)濟(jì)負(fù)擔(dān)。根據(jù)這10條建議，你將有更好的機(jī)會(huì)在整個(gè)大學(xué)期間來(lái)保持你的財(cái)務(wù)健康。