1. Make a budget.
Dave Ramsey and Crown Financial Ministries have printouts on their websites you can use to know where your money is going before you spend.
2. Assess needs versus wants.
You may not always need what you want to buy.
3. Use cash not credit cards when possible.
It’s important to “feel” your money when you spend it so you don’t spend too much.
4. Know how much your student loans are.
If you have them, find out their individual interest rates.
5. Be aware of your FICO credit score.
And keep an eye on it!