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  Invest in yourself -- 20s
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Managing your cash flow

Create a spending plan based on your net salary, not gross. Include in your plans a strategy to pay down your debts, from credit card debt to college loans.

Links:
Make a money-smart spending plan, How to create a budget, Budget worksheet, Top 10 shocks for young adults, 7 steps for financial fitness, Living below your means, 5 easy ways to stretch your cash, Good deeds help pay down college debt

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Your first humble abode
Finding and setting up your first apartment is so exciting. But, it is also expensive. Some grads decide to forego independent living and move back home for awhile until they've saved enough money to get started. Whatever you choose, living away from campus is an adjustment.

Links:
Moving in with yourself
,
Moving back in with mom and dad: A survival guide

Find a 'best-fit' checking account
We all need a checking account of some form. Before deciding on a bank and the type of account, do some comparison-shopping. You could get everything you need free. Or, maybe join a credit union.

Links:
Know your checking account style, Choose the right checking account, Anatomy of a checking statement, 10 must-know checking account terms, 7 ways to avoid bounced-check fees, Ins and outs of debit cards, 5 ways to beat ATM surcharges, Special rules for new checking accounts, Join a credit union, Getting more bang from your bank

 

-- Posted: Jan. 20, 2003

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In college
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Managing cash flow
Understanding credit and debt
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Late 20s: Yikes! The real world
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