2019年10月11日 • 4分钟
Being money-smart starts with basic financial planning. Follow these guidelines to set yourself up for success in college – 和 for lifelong financial well-being.
Creating 和 sticking to a 预算 doesn’t have to be difficult. Know your income, plan for your needs, 和 track your expenses.
The right checking 账户 can help you manage your money conveniently 和 securely. Look for an 账户 that offers:
To avoid overdrawing your 账户, it’s essential to keep on top of your balance, which is easy to do with online banking 和 mobile apps.
打开一个 savings 账户 at the same time. A savings 账户 is a great place to 预算 for larger expenses. Saving additional money regularly, 无论大小, can add up over time to help you prepare for unexpected expenses too.
玩得开心 信用评分 is important because it will help you get an apartment 和 make borrowing cheaper for larger purchases like a car or a home. Many employers also check 信用评分s when hiring – so it could help you get a job too.”
申请学生 信用卡 ——然后明智地利用它. Having a 信用卡 in college has two distinct benefits: it gives you extra security in case of a financial emergency 和 helps build a good credit history (when used properly).
玩得开心 信用评分 is important because it will help you get an apartment 和 make borrowing cheaper for larger purchases like a car or a home. Many employers also check 信用评分s when hiring – so it could help you get a job too.
To 建立你的信用 负责任:
If you can’t pay off the card one month, revise your 预算 和 cut expenses to pay off the balance as soon as you can. And if you find you’re not being responsible with the card, close it. (Don’t worry – you can still make payments on your balance after closing a card.)
If you’re 21 or older, you can apply for a 信用卡 on your own. Otherwise, you’ll need another adult, such as a parent, to cosign for the 信用卡 application. (This makes the parent responsible for any unpaid debt 和 can impact their 信用评分 if the card is not managed properly.)
Source: Broadridge Financial Solutions, accessed June 14, 2019.
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