It soon happens that once you graduate from high school and attend institution, you get tempted to hold credit cards, spend money and party with friends quite frequently. But, many of you fall into a debt trap as you fail to manage your finances well. This is the same tale with many high school graduates, as they suddenly get a taste of new found freedom and stay out for long with friends, splurge at the pub, and buy girlfriends or boyfriends gifts. If you plot your finances well, you would save yourself from debt and learn the secret to save more. Here are a few tips.