I just graduated six months ago. In February, I opened up a savings account in a seperate bank from where my checking account is. I split my check evenly each week: half in savings, half in checking. I am living with my parents temporarily so I can afford to do this b/c I don't have bills except for car insurance so it works. I have over $2200 in my savings and $1000 in checking. No, I am not rich but heck it's a start in the right direction.

I also have a Visa CC and an American Express CC. Love them both but I don't rack anything up on them. Just put the stuff on there that my mom wants me to buy for her.