Create a budget – Before choosing an apartment, figure out all your expenses like food,utilities, transportation and entertainment. Estimate your monthly expenses and make sure you have money for unforeseen expenses. Create a budget. There are many different approaches to creating a budget.  Check out two budget calculators at

Create an Emergency Fund – Life is full of surprises. Your car breaks down or your spill coffee on your laptop. Open a savings account to handle these unexpected expenses.

Turn off the lights – You’ll be paying your own utility bills now, so you’ll soon see why your parents were yelling about turning off lights. Also, don’t forget to turn your thermostat down before leaving for the day.

Go easy on the credit – Use just one credit card and commit to using it only for emergencies. Relying on credit to finance fun can rack up scary interest charges.