1. Put it on paper. It's not good enough to have it in your head. List all of your regular expenses, from hair care to mobile phone bills, and everything in between. TIP: Don't create a miscellaneous column and put things like CDs and magazines in it. If you buy them on a regular basis, label them as "Entertainment." 2. Define your short-term goals. Do you want to take a Caribbean vacation with a group of friends? Get your own apartment? Or maybe buy that special someone a great Christmas gift? Plan for it! TIP: At this stage of your life you might have a little less money than you'd like, but you can still get what you want and have a little fun if you create a plan and stick to it.

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