Whether you’re looking to save for a summer vacation or pay down debt, cutting costs doesn’t mean you have to sacrifice the way you live. There are many creative ways to save money. Use these tips the next time you’re looking to save money to help you meet your financial goals.

Your credit card is one of the most important, but potentially perilous, financial resources you have at your disposal. Using a credit card correctly can allow you to make significant purchases, earn rewards, and build your credit score to assist with securing loans. However, if you’re not using your card wisely, you can also build up overwhelming credit card debt very quickly.

Whether starting your first full-time job, applying to grad school, or moving across the country, life after graduation can sometimes feel overwhelming. Knowing how to budget, pay off debt, or begin saving for retirement can help make these transitions easier. Here are three tips for managing your finances and setting yourself up for success after graduation.