A savings discipline is essential.
In order to ensure that I start off on the right foot financially after graduation, I must constantly remind myself that saving is the key ingredient in being financially stable. No matter how hard it may be to save part of a paycheck from a part-time job, or even little random jobs you get money from, it is worth it. Every dollar counts. Something as little as using dollar bills to purchase with or saving change in a bucket will help. Even though college is another milestone in life, it does not mean you have to go in debt! Discipline is essential in saving and is crucial to be successful! Not only must you focus on saving, but also have a budget. If you write down where your money should go each month it is much easier to stay on track and not spend too much on things you do not need. Another major way to avoid having debt after graduating college is, if at all possible, do not apply for student loans. Do whatever it takes and exhaust all other options of paying for school before going that route.
Ashley Gibbs, Creek Wood HS