Money management for college graduates

With graduation season here, HawaiiUSA Federal Credit Union has some financial tips for recent college grads!

Most graduates have more income than they did as students, but they also have more expenses. Making and sticking to a budget on a daily basis is one of the most challenging decisions, and one we can all relate to. The graduate should start off completing a budget by listing their net take home pay, minus their monthly payments including student loans, cell phone, rent and gym memberships. This will provide them with an idea of their monthly essential payments, if there are funds they could save and the leftover they can use for non-essential expenses. It’s important to see it in black-and-white, and not just try to keep track in your head.

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