剛畢業的學生腦子里一定要有一個清楚的理財計劃，不然很可能會因為起薪太低、導致你入不敷出、債臺高筑。

    Start a Debt Freedom Campaign

    負債行動

    Got student loans and credit card debt to pay off? One tactic that's worked for a lot of readers is to start a debt freedom blog. Use an online calculator to figure out a date by which you want to be debt free, and a realistic monthly sum to save -- say, $50 -- that will get you there. Then, post about your progress as a way of keeping yourself to that promise.

    See this personal finance blog aggregator for lots of great suggestions and models for your blog.

    Get Rewards for Saving and Budgeting Online

    從在線理財中獲得的好處

    Personal finance sites marketed to GenDebt are growing every day, and anything that starts the saving habit is a good idea.

    At Billeo.com, you can build your credit score by simply paying bills. SmartyPig.com, a startup, offers retail rewards and a relatively high interest rate for saving online, with a fun, social format; Wachovia's Way2Save and the site whatareyousavingfor.com, sponsored by a credit union in North Carolina, offer similar savings rewards.