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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.

財務管理是我們在Mint網站上所關心的話題。了解更多有效的財務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)在已是一個羽翼豐滿的獨立的成年人了，隨時準備面對屬于你自己的世界，但預計這種自由會帶來一些變化,尤其是對你的財務狀況會有些影響。

對你的財產有任何疑問嗎？不用擔心-我們在Mint網站會向你提供少許的畢業(yè)簡介:是關于包涵個人理財?shù)囊娨獾呢攧展芾碇笇�，我們希望這些知識對你有所幫助。是的，這雖然不是一輛新車，但我們可以讓它更容易省著點使用。

創(chuàng)建和跟蹤你的預算

一旦你超出自己的預算，你的生活開銷就會猛漲。首先，您可能會發(fā)現(xiàn)自己一事無成和運作一項不精的財政預算。馬上使用mint.com網站來建立并追蹤你的個人預算。它將幫助你測定目前的理財方式是否是合理的。很可能的是 ，在你朝著更舒適的生活方式的目標而繼續(xù)前進之前,你需要作出臨時削減開支的行動.

學生貸款

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

貸款人是誰,貸款金額是多少,貸款的利息率,還貸款開始的時間,支付貸款的方式,一些相關的支付日期.

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)律的支付時間：如果延遲付款，將對你的信用評分產生不利影響。如果你無法付款的話，和你的貸款方談談是否可以暫緩執(zhí)行及延期的事宜，這是可能是個好辦法，可以幫助你推遲付款為6個月至一年,閱讀一下聰明學生的財政援助指導建議你會獲得更多的信息。

Mint網站提示：這里有些個人的財務咨詢，是為那些準備貸款的人：如果你幾乎沒有貸款或根本沒有助學貸款，管好你的儲蓄作為緊急儲備。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,比如個人退休帳戶或羅斯退休帳戶,你可以隨時關注由此產生的復利的能量:儲存4000美元一年,只要10年的時間，退休帳戶將達到50萬美元的退休金！沒有哪種個人帳戶比這更有優(yōu)勢。

信用卡

你畢業(yè)時是否還有些信用卡的債務？其實你不是唯一有債務的人。平均高校畢業(yè)生離開學校時帳戶上有3000美元的結余。按照最大的支付能力按時付帳十分重要，因為即使一天的延遲付款也會增加你的利息及損害你的信用評分。想想能否使它讓你更輕松些，馬上行動，減少你的利息。核對一下Mint 網站提供給你的個性化的節(jié)約的方法吧。

職業(yè)規(guī)劃

在這嚴峻的經濟時代，你可能會發(fā)現(xiàn)僅僅工作可以獲得的是暫時的，但不要絕望：蘇茜·歐曼在成為一個著名的財務管理大師之前作為一個女服務員已有七年之久。