Managing Finances
读研究生需要在财务管理方面有所转变. Students are rarely 被明确教导如何处理财务问题. Yet financial decisions can significantly 影响你的研究生教育和你的职业前景. Different strategies work for different students; experiment with the ideas offered by graduate students in this section to create your own approach.
Graduate Student Tips
Financial Awareness
注意:本视频已获得华盛顿大学的许可. The content is relevant to all graduate students.
- Get a summer internship ——这是一种无风险的方法,可以对一份职业进行取样,把你的简历和银行账户放在上面 account will be happy.
- Get a GA/TS -积极主动,现在就开始寻找下学期的资金. Research department 网站,然后通过电子邮件联系教授,申请GA职位. (Open GA positions are also listed at: http://meanyms.wayanadregency.com/gradschool/funding/gats.php)
- Develop a "save first/frugal" mindset -存足够的钱,可以在没有收入的情况下度过几个月 manage worst case scenario.
- Pay the mortgage/loan/utility bills first!
- Manage daily expenses -很少在外面买咖啡,每周只在外面吃一次(这也更容易 eat healthy, regulate diet and save money).
- 明确你需要什么和你想要什么 例如,当你去购物中心喜欢某样东西时,重复“我需要这个吗?
or want this?"
- 如果你想要一些昂贵的东西,那么考虑一下你需要工作多少小时 earn the money to buy that item. 有时这会让你更容易离开.
- Always research any major expense. 当我们买一辆新车时,我们花时间研究各种品牌/型号的比较 and finance options. 最后以0美元的首付以0%的利率买了一辆车.
- Look for sales/coupons to buy big ticket items.
- Budget and save for summer vacations.
- Make sure to use the products that your purchase.
- 如果你有配偶/伴侣或好朋友,你可以和他们谈论金钱, look out for each other. They can help point out what you need vs want.
- Remember, 偶尔在某些东西上挥霍一下是可以的; try not to feel guilty about it ;)
- Manage your debit/credit accounts online
- easier than going to the physical location
- catch fraudulent charges on time
- 回顾开支——在不降低生活质量的前提下,想想你可以削减哪些开支
- 回顾年终总结——以前我们一年花500美元买披萨,现在更多了 aware of our pizza splurges
- 把它放在你的日历上,检查你的借方/贷方余额
- Pay off credit card balances every month
- Spend within your limits.
在研究生院管理财务的更多信息
Additional Financial Tips
Income That Pays Twice
注意:本视频已获得华盛顿大学的许可. The content is relevant to all graduate students.
Time is Money
注意:本视频已获得华盛顿大学的许可. The content is relevant to all graduate students.
An Unexpected Cost
注意:本视频已获得华盛顿大学的许可. The content is relevant to all graduate students.
Paying for Graduate School
读研究生是一项重要的时间和金钱投资. Meeting the 十大博彩公司需要计划和仔细的决策. Options available include: Graduate Assistantships (http://meanyms.wayanadregency.com/gradschool/funding/gats.php), Tuition Scholarships (http://meanyms.wayanadregency.com/gradschool/funding/gats.php), Graduate School Scholarships (http://meanyms.wayanadregency.com/gradschool/funding/scholarships.php), and program specific scholarships (http://meanyms.wayanadregency.com/gradschool/funding/programscholarships.php).
Advice from Students
注意:下面链接的视频是华盛顿大学在线的一部分 定向和已被允许使用.
Be Proactive About Your Funding
Assistantships: Be Persistent
Graduate Assistantships
在十大博彩公司,有三种类型的研究生助教奖学金 (GA’s):
- Teaching Assistant/Associate: 在教室、实验室或测验部分与学生一起工作
- Research Assistant: work on research projects; does not involve teaching
- Staff Assistant: 其他类型的职责,如文书或行政
GA提供学费支持和津贴(金额取决于职位). “Full” GA’s are a 20 hr./week commitment. Visit the GA/TS (http://meanyms.wayanadregency.com/gradschool/funding/gats.php)网页获取更多信息,包括如何找工作.
Tuition Scholarships
在十大博彩公司,学费奖学金是服务工作奖学金 that provide tuition support. A “full” TS is an 8 hr./week commitment. Just as for GA的学费奖学金有三种类型:
- Teaching Assistant/Associate: 在教室、实验室或测验部分与学生一起工作
- Research Assistant: work on research projects; does not involve teaching
- Staff Assistant: 其他类型的职责,如文书或行政
Visit the GA/TS (http://meanyms.wayanadregency.com/gradschool/funding/gats.php)网页获取更多信息,包括如何找工作.
Where to Seek Assistance
Your Department
了解资助机会的最佳资源-例如助学金 还有奖学金——和你的专业相关. Ask your department about the availability 以及为该系学生提供的奖学金和助学金 commonly apply.
Scholarship Office
除了你的部门,还有财政援助和奖学金办公室 http://meanyms.wayanadregency.com/scholarships/
能帮助学生解决有关奖项的问题吗.
Financial Aid & Scholarships
支付本科和研究生教育的费用是一项重大投资 for many families. 它需要计划、仔细的决策和承诺 from both you and your family.
访问经济援助及奖学金办公室(http://meanyms.wayanadregency.com/scholarships/)
website for more information.
Work Study
勤工俭学是一项基于需求的经济援助计划,它为学生提供了机会 to work part-time while going to school. 勤工俭学的学生因此可以找到工作 并可能通过获得部分援助资格来降低他们的贷款债务, rather than borrowing more loans.
Visit the ETSU Student Work Programs (http://meanyms.wayanadregency.com/financial-aid-and-scholarships/typesaid/studentwork.php)网页查阅更多资料,包括申请资格、申请方法及如何找到 jobs.
Loans
学生贷款是必须偿还的经济义务. Pay careful attention 你接受的用于支付学费的贷款的条款和条件.
Visit the Student Loans (http://meanyms.wayanadregency.com/financial-aid-and-scholarships/typesaid/loans.php)网页,了解学生贷款及如何负责任地借贷.
University Career Services
大学就业服务中心为研究生开发了专业资源 发展,并有广泛的资源,具体到每个学校和项目. The 职业顾问与研究生院顾问密切合作,以确保内容 is relevant to student needs.
他们提供咨询、建议、指导、建议、建议和机会; 然而,他们不提供安置或保证学生毕业后就业.
欲知详情,请浏览大学就业服务网页(http://meanyms.wayanadregency.com/students/careers/links.php) webpage and these related webpages:
- Resumes (http://meanyms.wayanadregency.com/students/careers/student/default.php)
- Job Search (http://meanyms.wayanadregency.com/students/careers/links.php)
- Bucky’s Career Closet (http://meanyms.wayanadregency.com/students/careers/attire.php)