13 ways to become more financially savvy in your early adult years from a girl going through it all right now. 1. Create a Budget
2. Live Within Your Means
3. Part-Time Work or Freelancing
4. Apply for Scholarships and Grants. 5. Financial Aid and Student Loans
6. Emergency Fund
7. Invest in Your Education
8. Open a Bank Account
9. Learn to Cook and Meal Prep
10. Use Student Discounts
11. Avoid Credit Card Debt
12. Build Credit Responsibly
13. Network and Explore Opportunities