Prepare for a rainy day.
As you start to think about long-term goals, make sure that you have a plan of action prepared that will address your current situation. Particularly that should include getting rid of any private or government, but the key to a financially secure future is addressing debt before the rest of your life gets even more financially stressful. The last thing you want is to have your old debt hanging above your head when you'd rather be starting your very own family or considering buying your very first home.
Even more than paying off your debt from student loans, it's also necessary that you start putting aside emergency savings. At some point in the near future, you will probably have unexpected expenses. Events like surgery and major home repairs happen all the time; when they do happen, definitely be happy that you set some money aside to take care of it.
What are your future goals?
Whether or not you have your whole life mapped out, it's likely that you've got somewhat of a notion of what your largest priorities and interests are. If you intend on seeing the world before you have any major adult obligations, your saving program will look quite different than if your financial goal is to retire early. Visualizing your goals can help decide how much he or she needs to save up every month. Some Experts suggest that new savers set aside up to one-third of their monthly income, while others say that putting away at minimum 10% is a good way to start saving. Whichever amount you decide is best for your budget, be sure to put aside something for every one of your important goals (from retiring early, to buying a new car, to paying off debt) every month so none of your goals are unaddressed.
The best thing about starting strong saving right away is that you won’t begin to become used to a type of living that you later find out is too expensive. It’s much easier to start out lean and work toward a more expensive lifestyle than it is to get rid of what you used to love.