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Congratulations to all you newly minted graduates!
Four years have come and gone - five years for you slackers. Armed with your diploma, you're now a full-fledged independent adult, ready to face the world on your own. But expect this freedom to bring a lot of changes, particularly to your financial status.

Do you have questions about your money? Don't worry - we here at Mint would like to offer you a little graduation present: a financial management guide filled with personal finance advice that we hope you'll find helpful. Okay, it's not a new car, but we can make it easier to save for one.

Create and Track Your Budget
Once you're out on your own, your cost of living can skyrocket. At first, you may find yourself running on empty and operating with a very lean budget. Use Mint.com to set up and track your personal budget. This should help you determine whether your current financial behavior is sustainable. Most likely, you'll need to make temporary cuts before you can move on to afford a more comfortable lifestyle.

Student Loans
If you're carrying some student loans, be prepared. Your loans will enter repayment within 6 to 9 months. You'll want to compile important information, including:

* Whom you owe
* How much you owe
* Your loans' interest rates
* When debt repayment begins
* Payment plan options
* Any relevant due dates

Pay at least the minimum payment established for your loan(s). More than the minimum if possible! And always pay on time: late payments can adversely affect your credit score. If you're unable to make payments, talk to your lenders about forbearance and deferment, which are good ways to help you postpone payments for 6 months to a year. Read the Smart Student Guide To Financial Aid for more information.

Mint Tip: Here is some personal finance advice for those just starting out: if you have little or no student loans, funnel your savings towards an emergency fund. If you've got disposable income or some money left over, put money into a retirement account such as an IRA or Roth IRA, and behold the power of compound interest: contributing $4,000 a year for 10 years into a retirement account will yield half a million dollars upon retirement! Find out which IRA you qualify for here.

Credit Cards

Graduated with some credit card debt? You're not alone. The average college grad leaves school with a $3,000 balance. It's important to keep on top of your financial management responsibilities by ensuring that you pay your bills on time, since even one late payment can increase your interest rates and damage your credit score. See if you can make that easier, immediately, by reducing your interest rate. Check out Mint's personalized recommendations for you on your Ways to Save page.

Career Planning

During these tough economic times, you may find that the only work you can land is temporary, but don't despair: Suze Orman worked as a waitress for 7 years before becoming a renowned financial management guru.

財(cái)務(wù)管理是我們?cè)贛int網(wǎng)站上所關(guān)心的話題。了解更多有效的財(cái)務(wù)管理的方法在我們的博客的文章索引中有所提示。

祝賀所有新崛起的畢業(yè)生們！

四年霎時(shí)即去－五年的都市浪子生活。用你的文憑武裝自己，你現(xiàn)在已是一個(gè)羽翼豐滿的獨(dú)立的成年人了，隨時(shí)準(zhǔn)備面對(duì)屬于你自己的世界，但預(yù)計(jì)這種自由會(huì)帶來(lái)一些變化,尤其是對(duì)你的財(cái)務(wù)狀況會(huì)有些影響。

對(duì)你的財(cái)產(chǎn)有任何疑問(wèn)嗎？不用擔(dān)心-我們?cè)贛int網(wǎng)站會(huì)向你提供少許的畢業(yè)簡(jiǎn)介:是關(guān)于包涵個(gè)人理財(cái)?shù)囊?jiàn)意的財(cái)務(wù)管理指導(dǎo)，我們希望這些知識(shí)對(duì)你有所幫助。是的，這雖然不是一輛新車，但我們可以讓它更容易省著點(diǎn)使用。

創(chuàng)建和跟蹤你的預(yù)算

一旦你超出自己的預(yù)算，你的生活開銷就會(huì)猛漲。首先，您可能會(huì)發(fā)現(xiàn)自己一事無(wú)成和運(yùn)作一項(xiàng)不精的財(cái)政預(yù)算。馬上使用mint.com網(wǎng)站來(lái)建立并追蹤你的個(gè)人預(yù)算。它將幫助你測(cè)定目前的理財(cái)方式是否是合理的。很可能的是 ，在你朝著更舒適的生活方式的目標(biāo)而繼續(xù)前進(jìn)之前,你需要作出臨時(shí)削減開支的行動(dòng).

學(xué)生貸款

如果你正準(zhǔn)備發(fā)放一些學(xué)生貸款。你的貸款的還款期將設(shè)定在6至9個(gè)月內(nèi)。你也需要收集一些重要的信息，其中包括：

貸款人是誰(shuí),貸款金額是多少,貸款的利息率,還貸款開始的時(shí)間,支付貸款的方式,一些相關(guān)的支付日期.

為你的貸款支付最低的還款金額 。如果可能的話多付些！有規(guī)律的支付時(shí)間：如果延遲付款，將對(duì)你的信用評(píng)分產(chǎn)生不利影響。如果你無(wú)法付款的話，和你的貸款方談?wù)勈欠窨梢詴壕張?zhí)行及延期的事宜，這是可能是個(gè)好辦法，可以幫助你推遲付款為6個(gè)月至一年,閱讀一下聰明學(xué)生的財(cái)政援助指導(dǎo)建議你會(huì)獲得更多的信息。

Mint網(wǎng)站提示：這里有些個(gè)人的財(cái)務(wù)咨詢，是為那些準(zhǔn)備貸款的人：如果你幾乎沒(méi)有貸款或根本沒(méi)有助學(xué)貸款，管好你的儲(chǔ)蓄作為緊急儲(chǔ)備。如果你有稅后所得收入或剩余資金,那就把你的這些錢放到退休帳戶中去,比如個(gè)人退休帳戶或羅斯退休帳戶,你可以隨時(shí)關(guān)注由此產(chǎn)生的復(fù)利的能量:儲(chǔ)存4000美元一年,只要10年的時(shí)間，退休帳戶將達(dá)到50萬(wàn)美元的退休金！沒(méi)有哪種個(gè)人帳戶比這更有優(yōu)勢(shì)。

信用卡

你畢業(yè)時(shí)是否還有些信用卡的債務(wù)？其實(shí)你不是唯一有債務(wù)的人。平均高校畢業(yè)生離開學(xué)校時(shí)帳戶上有3000美元的結(jié)余。按照最大的支付能力按時(shí)付帳十分重要，因?yàn)榧词挂惶斓难舆t付款也會(huì)增加你的利息及損害你的信用評(píng)分。想想能否使它讓你更輕松些，馬上行動(dòng)，減少你的利息。核對(duì)一下Mint 網(wǎng)站提供給你的個(gè)性化的節(jié)約的方法吧。

職業(yè)規(guī)劃

在這嚴(yán)峻的經(jīng)濟(jì)時(shí)代，你可能會(huì)發(fā)現(xiàn)僅僅工作可以獲得的是暫時(shí)的，但不要絕望：蘇茜·歐曼在成為一個(gè)著名的財(cái)務(wù)管理大師之前作為一個(gè)女服務(wù)員已有七年之久。