"Ask Brianna" is a column from NerdWallet for 20-somethings or anyone else starting out. I'm here to help you manage your money, find a job and pay off student loans — all the real-world stuff no one taught us how to do bhagavad gita in telugu college. Send your questions about postgrad life to askbrianna@nerdwallet.com. Earlier this year, nag champa incense total outstanding student loan debt surpassed $1.5 trillion. For those with loans they can't afford, the news was a large-scale confirmation of a small-scale truth: Student loans have gotten out of control, and they leave a smoking crater in the place where a thoughtful budget should be.

Seemingly endless and urgent new priorities compete for backflow incense burner your attention and bhagvad gita limited income after graduation: housing, an emergency fund, paying off those loans. Here's one more you shouldn't ignore: bhagvad gita yourself. "If you've got a financial plan that includes no money for fun, it's unrealistic. It's not going to happen," says Matthew Angel, bhagvad gita advice director bhagvad gita of personal finance at USAA, a financial institution for members of the military and their families. Managing your money well is about creating balance, which you'll have to do over and over as the shape of life changes: You may change jobs, get married, have kids or go back to school.

Learn how to keep your big expenses low, get serious about setting aside "fun" money and pick activities that will bring you lasting joy, and you'll be able to repeat the process when new priorities edge their way in. When you lead a life that's more than the sum of your financial stresses, you might even feel motivated to pay off your student loans faster . COMPARTMENTALIZE YOUR CASH Budgeting meticulously isn't for everyone.

But no matter your personality, you should have a general idea of where your money goes. Start with this method: — Add up monthly fixed expenses, like your rent, transportation, utility bills, student loan payment and average grocery bill. — Decide how much to save per month to build a solid emergency fund, which will eventually include at least three months of expenses (it's OK if it takes time to get there).

— Use a retirement calculator to see how much you should save per month now to get a head start on retirement, even if it's just a little. — Take a look at your high-interest debt, like credit card balances, bhagvad gita and come up with a plan to pay it down. Put even $10 more than the minimum toward your debt each month. The money left over is where fun money will come from. All these expenses might seem overwhelming, and I wouldn't recommend putting off saving for bhagvad gita retirement or letting credit card balances linger.

But you can chip away at them slowly rather than throwing all your cash at one goal, bhagvad gita giving you the freedom to set aside cash for bhagvad gita nonessentials. You can also save money by making smart decisions about the big stuff. Buy a used car, or bhagvad gita sign up for a federal income-driven student loan repayment plan, bhagvad gita which keeps your payments from exceeding 10 percent of income. PICK THE RIGHT 'FUN' It's worth making the effort to earn a little extra if that's a quicker path to building discretionary cash than cutting expenses, bhagvad gita Angel says.

You can easily sell unwanted items online, he says; you can also tutor, freelance or open a shop on Etsy. Once you set aside the cash, spend it well. You'll likely feel more fulfilled gaining experiences, pouring money into hobbies and bhagvad gita socializing with friends than buying new clothes or technology. Money should make you feel freer and more like yourself. If you're spending in a way that feels empty or incense cones hasty, pause and essential oil diffuser consider whether you're getting the most out of the money you've worked so hard for.

GO IN WITH A GOAL To stick to spending only the fun money you've decided you can spare, bhagvad gita make a plan beforehand, Angel says. Say, "I'm going to spend $100 at most with my friends tonight," not, "I have $500 bhagavad gita in telugu my bank account, and we'll see how much is left tomorrow." If you have access to credit cards, setting that limit internally is even more important. Especially when you're with friends, bhagvad gita it's easy to apply a "you only live once" mentality.

But think of controlling your spending as an investment bhagavad gita in telugu going out with them again and bhagvad gita again. You won't accrue so much debt that eventually you'll have to go on an even harsher spending fast to fix it. RELATED LINKS NerdWallet: bhagvad gita How to pay off student loans fast website money guilt-free - even with student loans - Business Insider Deutschland