From College to Corporate: Financial Habits You Should Build Today

After college, adulting hits hard; your financial practices determine whether you float or flop. These six financial habits will help any student start now to help with the post-college adjustment.

Track Each Rupee

Your money will leave silently if you have no idea where it goes. Use Walnut, Notion, or even a diary. Build awareness right now.

Create an Emergency Savings Account

Start at just ₹1,000 and try for ₹5,000–10,000. Store it for emergencies, surprise travel, or broken phones. You will thank the present in your future, trust me.

Find Out About Taxes (yes, really)

It changes everything to know fundamental tax slabs, deductions (like 80C), and salary structures. Find out how to interpret a pay slip.

Program Automated Saving and Investing

Starting SIPs or repeating deposits early on will help. Compounding is like time, which equals power.

Steers clear of bad debt

Credit cards are not evil, but if abused, they destroy your financial situation. Use it sensibly to build a decent credit score.

Plan long-term for things like buying a bike or laptop; pay off your school loans; then, after graduation, move to a new city. Even having a basic plan advances you above most.