A Student Budge College is an exciting time to learn and to make friends that will last a lifetime.Many students do not like to worry about money，and they would rather not think about it.But，it doesn't matter whether a student's parents pay for （1）e

verything

verything

，or whether the student works part-time to help pay for his or her education.All students can get into money （2）t

rouble

rouble

if they don't give attention to it.
   The cost of a college education can be quite （3）e

xpensive

xpensive

.In English-speaking countries，the average cost per student per year is well over US＄10，000.Students must also pay for books，paper，pens，etc.These can cost ＄500 to ＄1，000 per year.Students who live in university housing pay thousands more per year for room and board. （4）A

nd

nd

money for clothes，travel，and other personal expenses （花費），and the average cost of one year at a university can be ＄20，000 to ＄30，000 or more.Students need to spend their money （5）c

arefully

arefully

.At most universities，advisors can give students advice on how to plan to spend their money.They suggest this：at the start of a school semester （學期），write down your income （收入）；for example，money you will get from your family or a part-time job.Then，list all of our expenses.Put your expenses into two （6）g

roups

roups

：those that change （food，phone，books，travel），and those that will stay the same （tuition，room and board）.Put all of your expenses together.Are they more than your income？Do you have enough money，or do you need more？
   Learning not to spend more money than you have is not always easy.But for many，it is easier than borrowing money from family or friends.