“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。那么，大学生理财方法英文怎么说呢？
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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 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 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。