Hey! As you transition from living on a college budget to getting your first real paychecks, here are some tips to help you manage your income while paying down debt.

  1. Create a simple budget. Give every dollar a purpose. The 50/30/20 approach is always a great starting point and can help you get a better picture of where your money’s going.
  2. Prioritize: Step 1, emergency savings. Step 2, 401(k) contributions. Step 3, debt. Step 4, retirement savings. Step 5, long-term emergency fund.
  3. Understand investing basics. Compounding interest is a huge boost, so start saving early.
  4. Work on your credit. Consistent on-time payments reflect positively on your credit. Make your student debt work for you.

It’s never too early to start saving for the future and having a plan will help you build healthy financial habits, even as you pay off student debt. For more information about managing your money, visit southernbank.com/getwell.

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