This was my philosophy for managing my finances before I started working full time: spend. everything. In my first year of university I’d end up blowing (maybe too much) money at clubs, in my second year my flat and I were ripped off by our estate agent and thus I spent the year swimming in my overdraft and in my third year I traveled to Rome, Miami, The Algarve and Malta using my student budget and internship money. Would I recommend it? Well, it really depends. Some people think ahead and start saving as soon as any money hits their account; but I was personally told to do the above, i.e. blow it all and start worrying about finances when I had a regular, stable income. Once I started working, of course I had to rethink my philosophy. I had to start “adulting”. Managing finances is something we all do differently and something a lot of people want to know about, so I thought I’d share a few major rules I (try) to stick to, to make sure I’m “adulting” as effectively as possible.