4. If you don't have the money, go without. This is a lesson most people (young or old) forget. You don't actually need a car, so if you can't afford to pay cash, don't get a loan. You don't need nice clothes, or a smart phone, or a fancy laptop or iPad or Kindle, you don't need to go to nice restaurants or the movies or bars. If you don't have the money, find free ways to have fun or get things done you need to get done.
如果你没那么多钱，那就凑活着过吧。这是很多人（无论老少）经常忘记的一点。你并非真的需要一辆车，所以手上的现金不够时别去贷款；你并不需要华贵服装、智能手机、精巧笔记本、iPad或Kindle电子阅读器，你不需要去高级饭店、电影院或酒吧。如果你没那么多钱，那就找一些不需要花钱的休闲方式吧，或者做一些自己应该做的事情。

5. Make a very very simple budget. It's a scary thing for people who've never done a budget, but it's not hard. List your income, then list your bills (and savings). If the bills add up to more than the income, eliminate some bills. Use a simple spreadsheet to do the adding for you. This helps you to know what's coming in and going out. I like the envelope system for making sure I don't spend too much on variable expenses.
制作非常简单的预算计划。对于从没有做过预算的人来说这似乎是一件非常恐怖的事情，但这其实并不难。列出你的收入，然后你的账单（或者存款）。如果你的支出账单超过了收入，那么减少开支。用简单的电子表格来帮助你。这会让你弄清楚手中钱的出入情况。我喜欢用信封系统，它能让我确定自己不会在一些乱七八糟的花销上浪费钱。

6. Pay bills right away. If you have the money, pay the bill as soon as it comes in. You can usually do this online, but if not, it's just a matter of writing a check, putting it in an envelope, and writing out an address — two minutes. Do this two-minute action immediately, so you don't have to worry about it later. If you let the bill-paying get pushed back, it becomes a dreaded thing, and your bills start to become overdue, and then it's much worse.
账单来了赶紧支付。如果你手上有钱，那么账单寄到时尽快支付。通常这些可以在线支付，如果不行，那也只是开张支票的问题，将支票塞进信封，然后写上地址——只是两分钟的事情。尽快做完这“两分钟的事情”，以后你就不必为此担心了。如果账单再次退回，那事情就会变得麻烦了，你手上的账单过期未付，那事情会变得更糟糕。

That's all you need to know. If you save when you're in college, avoid debt (except perhaps a modest student loan), and pay bills on time, you're golden.
这些就是你需要了解的。如果在大学里你学会节约，避免欠债（除非可能是适度的学生贷款），及时付款，你就是最棒的。