Like most things in life, you learn through trial and error - through failing, making adjustments, and then failing again, until you find something that works.
My first full year working in the real world was littered with blunders - but with blunders come valuable lessons. And with valuable lessons come a wiser approach to your life, career, and finances.
After a year of trial and error, here are six of the most effective changes I made when it came to managing my money: