Wesley Bedrosian - WSJ

         1.  Savings Matter.

        2.  Find the fine print.

       3.  Focus on the total cost.

       4.  Debt is the great divide.

       5.  There is a permanent record.

Here’s the link for the full story. 

It’s not easy to master money management during the best times and it’s especially hard to navigate the challenges of a recession. Still, many of the same basic principles apply in good times and bad. And getting a taste of a downturn at the start may make current graduates smarter and more thoughtful than those who graduate during boom times.