The Rut: College is a distant memory and your salary's up-to-par—but you wouldn't know it based on your dorm lifestyle! Those credit card payments are really throwing a wrench...

Try It! Call your credit card companies and renegotiate your APR—there's a good chance it's higher than you realize. Then, open up a separate savings account because you are about to save some serious cash, lady. Small changes like making coffee at home ($3 per day), bagging your lunch ($10 per day) and hosting wine tasting events in your pad, as opposed to slinging back martinis in your favorite hotel bar, will make a big impact on your budget. The first two alone will save you around $3,500 a year!

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