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Dear Broke 20-Something,

You’re probably in grad school, or if you’re one of the extremely lucky ones, you’ve managed to land a junior position at your first job. Congrats! But whether you’re in school or working, chances are pretty good that your funds are a little tight. Between your meager income and the student loans you owe, the struggle is REAL, and I feel your pain.

But, there are a couple ways you can make your pennies go a little further:

This is a nice way of saying, “Get a second job.” But in some fields, particularly creative or service industries, it’s pretty easy to generate a little side business to supplement your 9-to-5 income.

Get your lazy butt in the kitchen!
Yes, eating out is convenient, but it’s also expensive. For less than half of what you spend chowing down on sushi, gourmet burgers and deli sandwiches, you could’ve gone to the grocery store and prepared meals for the entire week, saving yourself a ton of cash and calories.

Rent a condo.
There’s a certain comfort that comes with renting from large, established apartment complexes. These complexes also charge you out the butt for that comfort. Instead, opt to rent from a private condo owner. If you’re in a large metropolitan city, you’ll get that same neighborly, community feel and all the amenities of a swanky apartment complex for a lot less cash.

Stop debit card balling.
There’s something about the idea of swiping that little plastic card that makes you feel like your money is infinite. Then, you check your account balance and realize that your money is very finite, and your pockets are now crying.

Shop at thrift/vintage shops.
Since many of us 20-somethings are still on the dating scene, appearance is not something we can afford to play around with. But you don’t have to go into debt to stay fly — thrift and vintage shops offer one-of-a-kind items that can help you add a little flair to an ensemble you already have in your closet.

Got some money-saving ideas? Share them in the comments below.