“月光族”是大学生群体的经济实力代名词，很多大学生也抱怨这个问题。其实，我们静下心来想一想，更深层次的问题不是钱不够花，而是不会花钱。对于大部分大学生来说，月光已不是什么稀罕事，信用卡透支、提前使用下学期学费等情况并不罕见。不少大学生表示，每个学期的消费都已超出计划范围，有时候不得不“举债度日”。因此，理财观念淡薄已经成为当代大学生的通病。消费结构不合理、不良消费习惯等都是导致大学生“月月光”的主要原因。正确地规划钱财、合理地使用钱财成为大学生的理财必修课。
What is student money
学生如何理财
Many of us would like to have money in savings. Frankly speaking, a dollar spent now seems to provide a lot more pleasure than a dollar saved, how can you make sure you're motivated enough to put money aside on a regular basis?
Here are five things that could work for you.
（1） Save little and often
Do you tell yourself that it's not worth saving if you don't have at least 100 （or 500, or 1000） to put into a savings account? This is a bit like telling yourself that it's not worth getting some exercise unless you have a whole day clear to jog.
How about saving just a dollar or two each day? Most of us can cut a couple of dollars of unnecessary spending every day （how about skipping that latte, carpooling, ditching your daily newspaper…?） It's a tiny amount that you'll barely notice on a daily basis, but over the course of a year, you'll have saved several hundred dollars.
（2） Read personal finance blogs.
I find that I get encouraged to save——and to adopt good financial habits in general-by reading about others' tips and success. One of my must-read blogs for this is The Simple Dollar; Trent writes very well, and covers topics in-depth without making them too complicated. He also has an upbeat and motivating attitude towards savings and finances （some personal finance blogs can make for rather dour reading）.
Other good blogs on personal finance are Get Rich Slowly and Wise Bread.
（3） Keep a savings log
Something that's often recommended for those sorting out their finances is to keep a spending log——to write down what you spend, so that you have a clear picture of where all the money is going. I've done this in the past, and it's always revealing （and occasionally a bit horrifying!）
A twist on this, though, is to keep a savings log. Each time you make a deposit into your savings account （or each time you shove a few dollars into the jam jar hidden under your bed）, write down the date and how much you saved. This can be a great way to motivate you to save more. You could also use your calendar or diary for this.
（4） Save towards a specific goal
Having a very clear goal in mind can make it much easier to save up. If you know that you need 1,000 for that new computer, or if you're determined to reach, 5000 in your emergency fund, focusing on the end goal can keep you motivated.
Your end reward might not be a tangible thing like a vacation or a new purchase: it might be peace of mind, or a sense of security or freedom. Consider visualizing how you'll feel once you have your target amount in the bank. Will it take a weight off your shoulders? Will you be proud of what you've achieved?
（5） Automate Your Savings
Finally, if you do find that your motivation waxes and wanes, simply automate your savings. Get your bank to transfer 100 （or 200 or 500 etc） from your checking account into a savings account, at the start of each month. If the money goes out without you having to lift a finger, chances are that you'll simply let it head off into the saving pot.
理财（Financial management）即对于财产（包含有形财产（tangible assets）和无形财产（intangible assets）=知识产权（intellectual property right））的经营。多用于个人对于个人财产或家庭财产的经营，是指个人或机构根据个人或机构当前的实际经济状况，设定想要达成的经济目标（financial objective），在限定的时限内采用一类或多类金融投资工具（financial investment tool），通过一种或多种途径达成其经济目标的计划、规划或解决方案。具体实施该规划方案的过程，也称理财。我国流传悠久的“开源节流”（broaden sources of income and reduce expenditure）就是很好的理财思想之一。既开源，又节流，开源节流并重，大学生理财（student money）也要从这两方面出发。
Key words & Sentences
关键词句全知道
It is urgent to strengthen frugality and set up the consciousness of manage finances in students.
“增强大学生节俭意识，树立大学生理财观念”已是当务之急。
Financial planning helps you keep your assets where they should be, in your own pocket.
理财规划帮助你保有自己的财富。
She is wise in money matters.
她善于理财。
Are you good at managing your money?
你善于理财吗？
She's not a very good manager she always spends more money than she earns.
她不大会理财，总是入不敷出。
When it comes to select a fund, you will always read “Past performance is not an indication of future results”.
每当你选择一支基金时，总会看到以下提示“过去的表现不能代表未来的发展。”
The market undergoes great change from day to day.
市场每天都会经历不停地变化。
I have doubted those funds with bad stock performance.
我不相信那些过去表现很差的股票。
I really want to decrease the risk reach the minimum and achieve the maximum returns.
我很想以最低的风险获得最高的利润。
If you refuse to take risk, you can't have better returns.
如果你不想承担风险，就不会有更高的回报。
How do you deal with this money, deposit in the bank or do some investment?
你打算如何处理这些钱，存到银行还是进行投资？
Are you a “moonlight clan”?
你是一个“月光族”吗？
My mother always deposits the money in the bank.
我妈妈通常把钱存到银行。
Nowadays many people chose to withdraw money from bank and do investment.
现在很多人都把自己的钱从银行取出来进行投资。
Investing money to fund is safer than to stock.
投资基金比投资股票更安全。
The government encourages people to invest.
政府鼓励公众投资。
The students can gain extra income by doing part-time job, and avoid blind consumption, which can accumulate some savings.
学生可以通过兼职获得额外收入，并且避免盲目消费，这样就可以获得一些储蓄。
Let's Talk！
开始交流吧！
William: The interest rate decrease again, it will suffer a lost if deposit this money in the bank.
威廉姆：利率又下调了，将钱存在银行将会遭受损失。
Taylor: Everyone wants to be financial lose kill. You must invest your savings if you planed to become rich.
泰勒：每个人都希望不受损失。如果你想变得富有就必须将储蓄进行投资。
William: I'm thinking about buying stocks. It can be a good investment if I can manage well. What do you say?
威廉姆：我正打算投资股票。如果操作得当将是一种很好的投资方式。你觉得呢？
Taylor: I partly agree with you. Buying stocks is not difficult, but making money consistently from buying stock is very difficult. Even professionals don't find it easy. Did you ever buy any stock before?
泰勒：我不完全赞成你的观点。买股票不是件困难的事情，但是能一直从股票中获得收益则非常困难。即使是专家也不容易。你以前买过股票吗？
William: Never, but I bought the national debts.
威廉姆：没有，但是我买过国债。
Taylor: They're quite different. The national debts are the investment tool with much lower risk, while stock market is full of high risks.
泰勒：他们是完全不同的。国债是一种低风险的投资工具，而股票市场则充斥着高风险。
William: I know. Higher risk always accompany with high profit.
威廉姆：我知道。高风险总是伴随着高收益。
Taylor: That's true. In a word, be careful.
泰勒：这倒是事实。总而言之，投资股票要小心。
William: Anyway, people like us need help with investing.
威廉姆：像我们这样的需要寻求投资帮助。
Taylor: Why not do some online research? There are data, reports and discussion forums to educate people on how to invest. In addition, you need to visit an established website that offers stock charts.
泰勒：为什么不上网查询？网上有数据、报告和论坛指导人们如何进行投资。此外，你还需要登录提供股市变化图的网站进行浏览。
William: Wow, you sound very professional.
威廉姆：哇，你看起来非常专业呢。
Taylor: I just watched the investment TV program last weekend. It has become a very hot topic these days. Actually I am not even a beginner.
泰勒：我只是上周末在电视上看了投资节目。股票投资已经成为这段时间的热门话题。实际上我还没有开始投资。
William: Are you interested in buying stock? We can do it together.
威廉姆：你有兴趣投资股票吗？我们可以一起做。
Taylor: I'm a risk avoid person, I prefer the national debts or fund with lower risk.
泰勒：我是个风险规避者，我更愿意选择国债或基金这些低风险的投资工具。
William: Up to you.
威廉姆：随你吧。