I have a confession to make: I was never good with money. I understood the basic concept of income vs. spending, but I was never any good at saving. My real wake-up call, though, was when I got myself into trouble with my first credit card. It was summer after my senior year and I was finally old enough to get a credit card. The plan was simple: use it once or twice a month on small purchases to build good credit history. But like many young adults, I got in way over my head with spending my “free” money. Thankfully, I’ve since dug myself out of that hole and learned a whole lot more about finances along the way. For example, I now understand how a 401(k) works! But more on that when I start my post-grad career. For now, check out how I’m getting my financial life together!