|I like your shoes.|
Starting now, she says, young people need to track their spending. They may spend a lot in summer--weddings, eating out. If you have been overdoing it, cut back ASAP.
Boosting retirement savings is also a good move. Try to ramp up to 12-15% in the IRA or 401(k).
Ask for a raise or plan to. Make this about a year from the last time you asked.
Look at your housing situation. Most people move between May and September--your lease may be about up. If you need more, see if you can afford more--be realistic--remember, you may say you won't eat out, but you will sometimes.
Check on student loans. If you graduated in May--you will be starting to pay back those loans about now. No one will hold your hand. See what you are looking at. Didn't get a headsup from the lender--no excuse--you still need to pay, so look into it.
Prepare for next summer. Look up travel deals far in advance. Watch the eating out budget, too.
Easy-peasy? Nah. It's that stupid grownup thing.