You can get started planning by using an expense worksheet. This helps you begin focusing in a structured way on how to use your money to begin achieving your goals immediately after graduation. If you think of your goals as your destination, an expense worksheet helps you identify and set aside the money you need to pay for your trip.
When planning more than a few years out into the future, use ballpark numbers. Your income and financial responsibilities will change over time. Do yourself a favor, though, and begin to gather more information now so you can gradually begin to form some safe assumptions and develop some realistic numbers for your medium- and long-term goals. Initiating the learning process now will pay off later.
Suggested steps of the learning process include: