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• Be aware of Service Charges.
• Limit access to your savings on your debit card, stick to you savings goal.\
• Get to know your personal finances; approved transactions, identity theft.
• Keep track of your account balances, Overdraft scenarios can sneak up and be costly.
• Don’t spend on impulse.
• Develop a Budget. Spend a month tracking your spending habits and see how you do, check out the web for various Budgeting Calculators & be realistic.
• Pay yourself first. Try saving 10% of your earnings before it’s spent.
• Mattress Money – Rainy Day Fund. Give your savings a name and goal, by taking ownership of it you will find that it will become routine.
• Retirement may be a long time coming, but think about it early and have an understanding of interest rates
• Minimize any personal debt.
• If you come into some money think about saving it or paying off some debt before you blow it and then regret your decision.
• Research large purchases.
• If continuing your education, investigate bursaries and scholarships.
• If you have any questions…ASK.
  

Some Media Bits to Ponder Regarding the Job Search, Student Debt, Payday Loans and Fraud
Using Your Debit Card
Episode I - What is Credit
Episode II - The Cost of Credit