You have just got a job but you are clueless as to how to manage your money. You either spend your entire disposable income or let your savings sit on the credit side of your saving account. Either way, you are not doing the right thing.
Managing money can be an overwhelming process especially when you have just started earning. You are a millennial and still celebrating the fact that you are able to afford your rent, utilities and other expenses on your own. However, if terms like savings, investment, personal finance and money management are making you anxious, then try to understand these points: