Posted on Monday, May 19, 2008, 12:00AM

刚毕业的学生脑子里一定要有一个清楚的理财计划，不然很可能会因为起薪太低、导致你入不敷出、债台高筑。

Start a Debt Freedom Campaign

负债行动

Got student loans and credit card debt to pay off? One tactic¹ that's worked for a lot of readers is to start a debt freedom blog. Use an online calculator to figure out a date by which you want to be debt free, and a realistic monthly sum to save -- say, $50 -- that will get you there. Then, post about your progress as a way of keeping yourself to that promise.

See this personal finance blog aggregator for lots of great suggestions and models for your blog.

Get Rewards for Saving and Budgeting Online

从在线理财中获得的好处

Personal finance sites marketed to GenDebt are growing every day, and anything that starts the saving habit is a good idea.

At Billeo.com, you can build your credit score by simply paying bills. SmartyPig.com, a startup, offers retail² rewards and a relatively³ high interest rate for saving online, with a fun, social format⁴; Wachovia's Way2Save and the site whatareyousavingfor.com, sponsored by a credit union in North Carolina, offer similar savings⁵ rewards.