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Title: Financial Tips for Recent Graduates: Managing Money After School Ends

As a recent graduate, you’ve put in years of hard work, late-night study sessions, and perhaps indulged in a bit too much instant noodles.As you transition into the “real world,” one of the most vital skills you can acquire is financial literacy. Here are some tips to guide you on your path to financial independence.1. Develop and Adhere to a Budget   The foundation of financial stability lies in creating a budget. Begin by listing all your income sources, whether from a job, side gigs, or other avenues. Then, list all your expenses, such as rent, utilities, groceries, transportation, student loans, and entertainment.   Once you have a clear overview of your income and expenses, allocate your money accordingly. Aim to save at least 20% of your income and allocate the rest to your expenses. Tools like Mint or You Need a Budget (YNAB) can help you track your spending and stick to your budget.2. Establish an Emergency Fund   Life is unpredictable, and unexpected expenses can arise when you least expect them. Creating an emergency fund to cover these unforeseen costs is essential to avoid dipping into your savings or using credit cards.   Generally, aim to save three to six months’ worth of living expenses in your emergency fund. Start small if necessary, but make consistent contributions until you reach this goal. Consider using a high-yield savings account separate from your checking account to reduce the temptation to spend this money.3. Manage Student Loans Wisely   If you have student loans, you’re not alone; according to NerdWallet, 43 million Americans face this challenge. Accounting for these loans as you plan your financial future will set you up for success.   Start by unders...

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