肯高迪亚大学留学预算攻略
Concordia provides a wide range of innovative programs and courses that offer a unique and rewarding educational experience. Concordia boasts small classes, accessible and award-winning professors, and an affordable education.
Undergraduate:More than 100 undergraduate programs lead to bachelor degrees or certificates, including inter-disciplinary studies.
Graduate:More than 100 graduate programs that lead to master's, doctoral, diploma and certificate degrees.
Continuing education:Non-credit programs, including intensive English-language and professional certificate programs.
肯高迪亚大学提供众多创新项目和课程，提供独特而有收获的教育体验。肯高迪亚大学有引以为豪的小班教学，有平易近人而备受称赞的教授和多数学生都支付得起的教育。
本科：授予学士学位或证书的本科课程都超过100门，包括跨学科研究。
研究生：授予硕士、博士、文凭和证书学位的研究生课程有超过100门。
继续教育：提供非学分课程，包括强化英语语言课程和职业证书课程。
肯高迪亚大学本科、研究生和继续教育三阶段都有不错的课程。那么去肯高迪亚大学求学，学费预算方面该如何准备呢?请看我爱学习网以下相关的翻译介绍。
(原文)Budgeting
Being a student means you will likely have very little money, a whole lot of expenses, and a bunch of pressure to get great grades. Besides your studies, keeping on top of money will be one of your biggest challenges.
In short: you’re going to have to learn how to live on a budget! Sound boring? It doesn’t have to be – but it is an essential part of succeeding at university. Why? Most of the cash you will spend is going to be borrowed money. Eventually, that borrowed money will have to be paid back.
Budgeting will help you be better prepared to pursue your goals.
Making a budget is not as hard as you may think it is.
A budget is basically an itemized summary of likely income and expenses for a given period of time. Budgets help you determine whether you can buy that afternoon Venti Latte or head home and make your own instead.
A budget provides you with a tangible, organized, and easily understood analysis of how much money you have coming in and going out. It’s an invaluable tool to help you prioritize your spending and manage your money—no matter how much or how little you have.
Get started: plan your budget
Let's start this process by organizing your money management into a few helpful steps.
作为学生意味着你很可能没有多少钱，同时想拿到好的成绩，又需要不少开支，并且面临不少压力。不仅是学习，明智理财也将是你面临的一大挑战。
总之，你必须学会预算。这听起来很厌烦吧?但未必是的——良好的预算是你大学成功的一个关键部分。为什么呢?因为你花的大部分现金都是借来的。而事实上，这些借来的钱总归要还。
预算并不像你认为的那么难
预算大体上是对你某个时间段内潜在收入和开销的一个分项总结。预算帮助你决定某个下午是该买上大杯咖啡呢，还是回家自己做。
预算可以让你比较容易地对收入和支付的数额有一个清晰明确的组织化的理解。它是宝贵的工具，帮助你优先考虑开销、管理好你的钱财——无论你身上有多少钱。
(原文)Basic steps to making a budget
1. Gather information you have regarding sources of income or expense. Statements, bills, student loan assessments and even the money you got from your grandma for your birthday. You need to know what is going out of your pocket and what is coming in. The key for this process is to create a monthly average so the more information you can dig up the better.
2. Record all of your sources of income: self-employed, employments, loans, bursaries, grants, scholarships or have any outside sources of income be sure to record these as well. If your income is in the form of a regular paycheck where taxes are automatically deducted then using the net income, or take home pay, amount is fine. Record this total income as a monthly amount.
3. Create a list of monthly expenses. Write down a list of all the expected expenses you plan on incurring over the course of a month. School fees are not only what you pay for your tuition, but all of the fees you incur so that you can attend school. This includes a rent, transportation, insurance, groceries, junk food, utilities, entertainment, clothes, books, supplies, internet, photocopying, laundry: essentially everything you spend money on.
4. Break expenses into categories: fixed and variable.
Fixed expenses tend to stay the same (or close to the same) from month to month. They include bills such as your rent or mortgage, cable, Internet, utilities, fixed loan repayments and so on. These expenses for the most part are essential yet not likely to change in the budget.
Variable expenses change from month to month. They include things like gas, groceries, your daily coffee, eating out and entertainment to name a few. Variable expenses also include Occasional expenses – These expenses come up from time to time, such as clothing, gifts and vacations. This category will be important when you need to make adjustments to you spending habits.
5. Total your monthly income and monthly expenses. If your end result shows more income than expenses you are off to a good start. If you are showing a higher expense column than income it means some changes will have to be made.
预算的基本步骤
(1)收集信息。收集你的收入来源或开销方面的信息。银行结单、账单、学生贷款评估甚至是从你外婆那里得来的生日钱，你都可以收集。你需要知道你口袋的开销和收入。这个过程的关键是建立月平均表。这样，你能挖掘的信息越多就越好。
(2)记下所有的收入来源。创业、就业、贷款、助学金、补助金、奖学金或任何外部收入来源你都可以记下来。如果减税的固定薪资即净收入是你收入的形式，或者如果你的家庭开支固定，那么数额是不错的。将这个总收入记下来，作为每月数额。
(3)拟月度开销列表。将一个月内所有可以预见的开销记下来，列成清单。入读费不仅包括你要交的学费，也包括上学涉及的所有费用。具体来讲，包括租金、交通费用、保险费、杂货费、零食费、设施费、接待费、买衣服的钱、书费、供应品费、网费、打印费和洗衣费——所有要花钱的事项。
(4)将开销分类，分为固定和不固定。固定开销：固定开销每月基本一样。包括租金或押金、有线电视费、网费、设施费、固定的还款等。这些开销多半是比较关键的，并且在预算中不太可能改变。不固定开销：这类开销每个月都有所不同。包括煤气费、杂货费、日常喝咖啡的钱、外出就餐费和款待费等等。不固定的开销还包括临时性的开销——这些开销时不时会出现，比如买衣服、买礼物和度假。这类开销在你需要对你的开销习惯做调整的时候比较重要。
(5)总记下你的月收入和月开销。如果最终结果显示你的收入多于开销，那么这是一个好的开端。如果开销多于收入，那么你就需要对某些开销做出调整。
(原文)6. Make adjustments to expenses. If you have correctly identified and listed all of your expenses then what you should be aiming to do is to have your income and expense columns to be equal. This means all of your income is accounted for and budgeted for each of your expense.
7. Cut spending. If you are in a situation where your expenses are higher than the money you are bringing in, you will have to look at your variable expenses to find areas where you can make cuts to your spending. Since these expenses are typically not essential, it should be easier to trim a few dollars to bring your expenses closer to matching your income.
8. Review your budget monthly. It is important to review your budget on a regular basis to make sure you are staying on track. After the first month take a minute to sit down and compare the actual expenses versus what you had created in the budget. Use reasonable estimates to create your first budget. Then, track your spending over the next few months. Jot down every purchase in a notebook, keep receipts for everything or create a spreadsheet. After tracking your spending for a few months, go back to your budget and adjust it if you need to. This will show you where you did well and where you may need to improve.
9. Plan for occasional expenses. Include room in your budget for expenses that come up from time to time, such as clothing, gifts and vacations.
10. Budgets are for saving too! If you have some money left over in your budget after you have paid the bills, add to your savings. Build an emergency fund for unexpected bills that come up (like a lost bus pass or a computer that breaks in January). The more you save, the sooner you’ll reach your financial goals.
11. Balance your budget. If you are new to budgeting, your budget may not balance the first time you try. You might have to look for places where you can spend less and make adjustments along the way.
(6)调整开销。如果你已经正确鉴定并列出了你所有的开销，那么接下来你需要做的就是平衡收入和开销。这意味着你所有的收入都要计算在内，所有收入都纳入你的开销预算。
(7)削减开销。如果你遇到了开销高于收入的情况，那么你得审视你的不固定开销，找到可以削减支付的地方。由于这类开销一般不是关键的，所有少花几个美元让你的开销更接近收入要容易得多。
(8)每月评估预算。定期评估预算是重要的，这样便于确保你在跟踪预算。第一个月之后，花几分钟时间坐下来，将你的实际开销和预算开销做个比较。对你的第一次预算做出合理评估。然后，跟踪你接下来几个月的开销。用笔记本将每一次购物简要记下来。保留所有收据，或者创建电子表单。这样在跟踪几个月的开销之后，再回过头看看你的预算。如果有需要，可以再做调整。这样便于看清你在哪些地方做得好，哪些地方需要改进。
(9)准备临时开销。在预算中为是不是的开销留出空间，比如买衣服、买礼物和度假等。
(10)预算省钱。如果在支付账单之后你的预算里还有多出的钱，那么你可以添加到你的零钱里。为不可预见的紧急开销列出账单，比如公交卡丢失，电脑在一月份损坏。你节省得越多，你就能越快地实现你的理财目标。
(11)平衡预算。如果你是刚做预算，那么第一次尝试的时候预算可以不会平衡。你不妨看看哪些地方可以省钱，随后做出调整。
(原文)Next step: Buying on credit
A credit card does not increase the amount you have to spend in your budget. You should keep it for emergencies. A good rule of thumb is that if you can't pay for goods purchased on credit within 30 days, then don't buy them.
You must be careful not to let credit become the method of attaining material gain before considering the need, the value, and means of purchasing goods or services.
If you still need to buy on credit remember to make regular payments – missing a payment or making a late payment can affect your credit history and can hurt your credit score.
You can protect yourself with a low-limit, low-interest card; many banks offer student credit cards. If you use your credit card in the right way you will build a good credit history that will be beneficial in the future when making bigger purchases like buying a car or a condo.
Tips on Using Credit
Watch your limits
Know what you are paying for
Avoid impulse buys
Make regular payments
Stop using your card if your balance is growing
Avoid taking cash advances
Always check your credit card statement
Keep your card, PIN and security code secure
If you have unexpected expenses talk to your bank about alternative products
信用卡购物
信用卡不会使你的预算开销额度增加。信用卡应该用于紧急开销。一条好的经验法则是如果你不能在30天内用现金偿还信用卡的赊账，那么你不要买。
必须注意，不要让信用卡成为你考虑需求之前获取利益的手段，也不要让信用卡成为购买商品或服务的方式。
你可以用低下限、低息卡保护自己。许多银行提供有学生信用卡。如果信用卡使用得当，你就会有良好的信用记录。这对你将来的大宗购买比如买车买公寓是有好处的。
信用卡使用建议：
留意额度、清楚你在买什么、避免即兴购买、使用定期支付、结余增多的时候停止使用、避免预付现金、实时核对信用卡对账单、保持卡号和密码安全、有不可预见开销的时候和银行协商替代产品。
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