Freaking Out About Graduating? Don't.

Graduating from college affords you the luxury of living your dreams. Yes, it requires some hard work and perseverance but I promise you, your destiny is within reach.
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In December, I'll be graduating from Ohio University with a Bachelor of Arts degree in Women and Gender studies. I'm super excited to be leaving school and starting on the next chapter of my life.

I've become aware though that most people don't feel the same way; in fact, most people I know who are graduating dread it. They want to stay in the familiar routines of classes, semesters, and student orgs. The real world seems scary and intimidating. Some people will even take on a second major just to guarantee themselves an extra year on campus.

Here's my argument though: Graduating from college affords you the luxury of living your dreams. Yes, it requires some hard work and perseverance but I promise you, your destiny is within reach.

Here's my roadmap to getting there:

1)Be Independent: Post-graduation, it's really tempting to go back to your parents house, live rent-free, and have your lunch made everyday and your laundry done for you. However, this is neither realistic nor adult-like. This will not prepare you for the real world and if anything, will cause you to regress into your high-school ways.

So live on your own, even if you have to struggle for a while. Learn how to pay bills and balance a budget, get an actual "grown-up" job and figure out what you want out of life and how to get it. Plus, you'll be light years ahead of your friends who are crashing in their folks' basement and staying unemployed for as long as possible.

2)Make a Plan: As you're working and learning about what it means to be an adult, start to figure out exactly what you want to do within the next five years. What kind of career do you want to pursue? Is graduate school in your future? Do you want to start a family?

Map out your ideas and create a timeline with steps as to how you'll get there. Your dreams won't work unless you do and if you start now, you'll realize your potential that much sooner.

3)Pay off Your Student Loans: You likely have student loan debt of some type and the sooner you pay it off, the less interest you'll pay later. Plus, you can get a house or car loan and establish excellent credit for yourself. Even if you go on a 10 year repayment plan, try to pay it off in less time. You don't want your student debt to be haunting you in your 40s.

4)Do Things That Are Scary: This might be the most important piece of advice I can give to you. Pursuing things in life that make you want to run screaming in the other direction are usually the best things for you. Do you want to start a business, or write a book? This might seem lofty and far-fetched but with enough planning, research, and determination, you can do it. It might not take five months or even five years, but you can get there. Your dreams are within reach.

Do you see how graduation gives you the opportunity to start truly living and unlock your potential? Being a grown-up gives you the tools to accomplish your dreams.

Biggest Money Mistakes 20-Somethings Make
Buying A Round Of Drinks At The Bar (01 of11)
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You know you can't afford it. You might as well be burning your money. (credit:Shutterstock)
Forgetting To Establish A Credit History(02 of11)
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A good credit history is essential to a successful financial future. Landlords, lenders, insurers and even employers use it as a way to judge you. (credit:Getty Images)
Taking Out Way Too Many Credit Cards(03 of11)
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Yes, you want to make sure that you establish a credit history, but that does not mean taking out every credit card imaginable. Taking our high-interest cards with large balances can lower your credit score and lead to overspending. (credit:Getty Images)
Paying Bills Late(04 of11)
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If you want to increase your credibility in the eyes of lenders, paying bills on time is essential. Also, it is a good way to avoid unnecessary late fees! (credit:Shutterstock)
Rushing To Get Your Graduate Degree(05 of11)
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A graduate degree is not only a financial investment, but a time investment. Before embarking on a post-graduate degree, it is important to do a cost-benefit analysis to ensure the diploma you are seeking is right for you. (credit:Shutterstock)
Building Way Too Much Debt Early On (06 of11)
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Going after a degree at a time when you have to take out enormous student loans just to graduate puts you at a significant financial disadvantage once you finish school. (credit:Shutterstock)
Using Emergency Funds For Non-Emergencies (07 of11)
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It is called your emergency stash for a reason! And no, a flash sale at Nordstrom Rack is not an emergency. (credit:Shutterstock)
Eating Out Too Much(08 of11)
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Be honest, when was the last time you actually had a full fridge? Despite what you keep telling yourself about how expensive groceries are getting, the bottom line is that eating at home saves money, especially if you are single. (credit:Getty Images)
Not Saving For Retirement(09 of11)
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We understand that retirement could not feel further way when you are in your 20s. But it is never too early to start saving. Need an incentive? When you are young, you have the advantage of giving your investments much more time to accrue interest and grow. (credit:Shutterstock)
Paying Too Much In Taxes(10 of11)
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As much fun as it is to get a tax return at the end of the year from the IRS, you only get a big refund when your employer is withholding too much money from your paycheck during the year. If that's the case for you, adjusting your withholdings may be a good idea. (credit:Shutterstock)
Paying Too Much In Rent(11 of11)
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Most budget gurus suggest that your rent should be no more than 30 percent of your monthly income. If you are anything like us, you are paying much more than that. (credit:Shutterstock)