Congratulations, 2013 graduates. You did it! Now it's time to learn something really useful.
2013年的畢業(yè)生們，祝賀你們！你們畢業(yè)了！現(xiàn)在是時(shí)候?qū)W習(xí)一些真正有用的東西了。

Having conquered all those classes, now you can move on to mastering the practical skill of managing money. Luckily, the economy is in better shape than it was a couple of years ago, and the overall unemployment rate for college grads is roughly half that of the total U.S. population, boding well for your job prospects.
在順利完成課業(yè)后，現(xiàn)在你們就要朝著掌握管理金錢的實(shí)用技能前進(jìn)了。幸運(yùn)的是，比起前幾年，現(xiàn)在的經(jīng)濟(jì)狀況要好很多了，大學(xué)畢業(yè)生的整體失業(yè)率是美國(guó)總?cè)丝诘囊话耄蔷蜆I(yè)前景的好預(yù)兆。

If you learn to manage a paycheck, spend less than you earn and stash away some money for later, you can put that education to good use, no matter what you choose to do.
如果你學(xué)會(huì)管理薪水，量入為出，存一些錢以備將來(lái)之用，你就可以將所受教育學(xué)以致用了，無(wú)論你選擇做什么工作。

Here's some advice to get you on the right path.
這里是讓你走上正確道路的一些建議。

1. Be nice to your parents.
要善待父母

In addition to giving you a place to stay until you find a job, they might pay for your health insurance. If you have insurance under a student plan, it probably will end in mid-August. If you're not going to get coverage through a job by then, start working on other plans right away.
除了在你找到工作前供你住以外，父母還可能給你買健康保險(xiǎn)。如果你買的是學(xué)生險(xiǎn)，保單很可能在8月中旬就會(huì)到期。如果到那時(shí)你還不能靠工作得到續(xù)保，那么就得馬上開始著想其它計(jì)劃。

Under the Affordable Care Act, young people can stay on a parent's health-insurance plan through age 25, but they need to re-enroll if they've been on a student plan. After you're hired for a job, it could take three months to qualify for insurance, so a parent's plan or a short-term health plan can be an option.
根據(jù)《平價(jià)醫(yī)療法案》的規(guī)定，年輕人可以享受父母繳納的健康保險(xiǎn)直到25歲，但如果他們已經(jīng)參加了學(xué)生保險(xiǎn)，那么他們需要重新注冊(cè)。在你找到工作后，為參保出具資格證明需要3個(gè)月時(shí)間，因此隨同父母參?；蚴嵌唐诮】低侗Ｊ且环N選擇。

Whatever you do, don't skip getting insurance. Even those who are young and healthy need it, since a car accident or unforeseen illness can put you in a giant financial hole.
無(wú)論你做什么工作，都不要省了參保。即使是這些年輕健康的人們也需要，因?yàn)橐粓?chǎng)車禍或是不可預(yù)見的疾病就會(huì)讓你深陷財(cái)務(wù)困境。

2. Reduce debt.
減少債務(wù)

An estimated two-thirds of today's graduates will leave with student loans, and the average borrower balance is almost $27,000. Debt is such a burden that it's worth scrimping for a few years, and even delaying graduate school, to pay off at least some of the debt. That will save you in interest costs and give you far more flexibility in your later twenties and beyond.
據(jù)估計(jì)，現(xiàn)在三分之二的畢業(yè)生離校時(shí)都背負(fù)著助學(xué)貸款，平均負(fù)債額大約是27,000美元。債務(wù)是一筆負(fù)擔(dān)，為了償還一部分債務(wù)，節(jié)衣縮食幾年是值得的，甚至是延遲畢業(yè)時(shí)間。這可以減少你在利息上的支出，為你以后二十多年償還債務(wù)提供了很大的靈活性。

Consider $20,000 in 10-year federal loans at 6.8% interest. The total monthly payments would be $230, and total interest would add up to about $7,600 over the loans' life. Paying just $20 a month extra will shorten the repayment period to nine years and save you $900 in interest over the life of the loans. Paying a total of $400 a month—what a car payment might be—will pay off the loans in five years and save more than $4,000 in interest.
試想一筆20000美元的貸款，為期10年，利率是6.8%。每月總共要支付230美元，那么在整個(gè)貸款期限里總利息會(huì)累積到7600美元左右。每月多支付20美元將會(huì)把償還期限縮短到9年，在整個(gè)還貸期限里你節(jié)省900美元。每月支付400美元（可能是償還汽車貸款的數(shù)目），在5年時(shí)間里就能還清，節(jié)省超過(guò)4000美元的利息。

How do you balance all these needs? Stretch your dollars by buying a cheap used car instead of new one. Get a roommate and take your lunch to work. Before committing too much to debt payments, be sure to have at least $1,000 in savings for emergencies—or three months of expenses in the bank if you never want to move home again. If your employer offers a match for a retirement-plan contribution, contribute enough to get at least some of that so you don't pass up free money.
你要如何平衡這些需求？你要精打細(xì)算，購(gòu)買一輛便宜的二手車而不是新車。尋找伙伴合租，帶午餐去上班。在要背負(fù)很多債務(wù)前，如果你不想搬回家的話，那么確保至少有1000美元的儲(chǔ)蓄作為緊急備用，或是在銀行預(yù)留了三個(gè)月的開銷費(fèi)用。如果雇主提供了一項(xiàng)退休計(jì)劃的福利，出資爭(zhēng)取至少一部分利益，這樣白拿的錢可不要錯(cuò)過(guò)哦。

3. Know your credit report.
了解你的信用報(bào)告

Employers might care less about your grades than your credit record, which shows how well you manage your obligations. So before you apply for a job or a car loan, go to and see what your credit report looks like. You can check each of the three big credit bureaus' reports for free once a year.
比起你的在校成績(jī)，雇主可能會(huì)更關(guān)心你的信用記錄，因?yàn)樾庞糜涗洷砻髁四愎芾韨鶆?wù)的情況。因此在你求職或申請(qǐng)汽車貸款前，去AnnualCreditReport網(wǎng)站看看你的信用報(bào)告情況。三大信用機(jī)構(gòu)的報(bào)告你都可以一年查詢一次。

If you didn't have your own credit card in college or didn't use it, you may not have much of a credit record at all. In that case, a landlord might not lease you an apartment without your parents cosigning. (That's another reason to be nice to them!)
如果你在大學(xué)里沒(méi)有你自己的信用卡，或沒(méi)使用，你可能就沒(méi)有那么多的信用記錄。若是那樣的話，沒(méi)有你父母的簽字保證，房東可能不會(huì)向你出租房屋（這是另一個(gè)要善待父母的理由?。?。

To build a credit record, you should have one or two credit cards and use them at least every couple of months to show you can pay your bills responsibly. Paying student loans on time also will help build a good credit history.
為了建立信用記錄，你應(yīng)該有一張到兩張信用卡，至少每幾個(gè)月使用一次表明你會(huì)為還款負(fù)責(zé)。準(zhǔn)時(shí)償還助學(xué)貸款同樣可以幫你建立良好的信用記錄。

4. Avoid unnecessary fees.
避開不必要的費(fèi)用

To make your budget work, look for free checking accounts at a local credit union or an online account. Avoid automated-teller-machine fees and link your savings account to your checking account so that you'll never pay an overdraft fee. Pay your bills on time to avoid late fees and in full to avoid interest.
為了合理使用預(yù)算，到當(dāng)?shù)氐男庞蒙缁蚴蔷W(wǎng)上賬戶獲得免費(fèi)的賬戶。盡量不要去自動(dòng)取款機(jī)取錢，因?yàn)闀?huì)產(chǎn)生手續(xù)費(fèi)，把你的儲(chǔ)蓄賬戶綁定到查詢賬戶上，這樣你就永遠(yuǎn)不用支付因透支產(chǎn)生的費(fèi)用了。準(zhǔn)時(shí)還款避免滯納金，全額支付賬單，避開產(chǎn)生利息。

5. Use your social network.
發(fā)揮你的社交網(wǎng)絡(luò)

Your friends are used to sharing information, so take advantage of each other's knowledge. Don't post your bank balance or salary online—that's tacky—but don't be shy about asking other recent grads what they pay for rent, car insurance or Internet service. Remember what you learned in college: It's good to be friends with someone who did the homework.
你的朋友們可以分享信息，所以要利用別人了解的信息。不要在網(wǎng)上曬你的銀行收支單或工資單，這很無(wú)聊，但不要怕問(wèn)最近畢業(yè)的同學(xué)們付了多少房租、汽車保險(xiǎn)或是上網(wǎng)費(fèi)。記住你在大學(xué)里學(xué)到的：跟那些做了功課的同學(xué)做朋友是對(duì)的。