After university, most people would want to immediately begin spending money that they’ve gotten from their new job, but you should try to avoid this. If you spend all of the money you’re earning without saving any, then you will receive quite the shock from suddenly having to deal with your university loan. These loans can be quite expensive, particularly when you are so young, and not really in a position to deal with any amount of credit. Preparing and adapting to this situation is a necessity for all recent graduates. Viewing the money you get from your new job as something to use immediately is an attitude which must be avoided at all cost. Often times, the few months grace period following a graduation, before you have to start paying your loans back, is one of the best opportunities you will have to start saving for years to come.