Whether you're still a student, a recent graduate, or have been out in the world for a long time, figuring out where your money is going and planning where you want it to go is the first step toward achieve your financial goals. The below resources are intended to help you save money on living expenses, and design budgets and saving plans that suit your needs now and for the future.

General Information on Saving Money and Frugal Living

The Dollar Stretcher
http://www.stretcher.com/
Wide assortment of articles and advice on how to make your money go as far as possible, as well as information on current money issues. Always contains links to articles on Bankrate.com; very large and searchable archive of articles.

Federal trade Commission – Consumer Information
http://www.ftc.gov/bcp/consumer.shtm
Avoiding scams and increase knowledge about consumerism helps people save money. This section of the FTC website offers practical information on a variety of consumer topics. The information here can help you avoid rip-offs and exercise your consumer rights.

The Frugal Village
http://www.frugalvillage.com/

Frugal Living at About.com
http://frugalliving.about.com/
A very large but well-organized site, with articles and discussion forums dedicated to frugality and saving money.

Personal Finance in Your Twenties and Thirties
Link
Interview with Beth Kobliner, a New York Times bestselling author

The Shoestring
http://theshoestring.com/
Occasionally humorous and often ingenious tips on cutting costs without compromising fun.

Budgeting Tools and Financial Calculators

Basic Budgeting Worksheet
http://www.betterbudgeting.com/budgetformsfree-basicbudgeting.htm

Bankrate.com Calculators
http://www.bankrate.com/brm/rate/calc_home.asp
A page full of personal finance calculators, covering everything from auto loans to retirement savings.

Hugh Chou's Mortgage and Financial Calculators
http://www.hughchou.org/calc/
Hugh Chou's main page will tell you all about him, but his page of calculators he wrote himself contains some useful, and generally user-friendly items. A wide assortment of calculators to explore.

IRS Withholding Calculator
http://www.irs.gov/individuals/article/0,,id=96196,00.html
Not sure how much federal tax to have taken out of your paycheck? This calculator is intended to help taxpayers decide how many withholding allowances to take in their paychecks, based on your income, pay frequency, filing status and other factors.

PaycheckCity.com Paycheck Withholding Calculator
http://www.paycheckcity.com
Wondering what the difference between your gross pay and your net pay will be? The personal calculators on this site will allow you to estimate what your take-home pay will be, based on your inputs.

Wise Bread
http://www.wisebread.com/resources
Comprehensive guide to 190 of the best budgeting tools, deals & coupon sites, rate comparison engines, and personal finance resources online.  This list has everything you need to start saving money immediately.

Sites of Particular Interest to Students

AddALL Book Search
http://www.addall.com/
A website that compares new and used book prices online.

Bankrate.Com: Article on Student Budgets
www.bankrate.com/brm/news/advice/19990714c.asp
Budgeting for the college student: statistics and information on college debt and how to work around it. Describes how a budget works and provides a sample sheet and savings goal calculators.

Budget Traveling for Students
http://www.statravel.com
http://www.studentuniverse.com
You can often find discounted airline tickets on these sites. If it’s sold out on the website, try calling. STA Travel sells airfares to locations all around the world. Student Universe is more helpful when flying to Europe and Canada.

Financial Fitness-Shape Up Your Spending: A Guide For College Students
http://msucares.com/pubs/publications/p1929.htm
From the Mississippi State University Research Extension service, offering a step by step guide to creating a personal budget. It includes 4 worksheets.

Financial Management Tips for Graduate Students
http://www.nelliemae.com/finmangrad/
Thinking about going to graduate school, or already in grad school? This site offers tips for managing your money while you're there. The section called “How Far Will My Money Go?” contains budgeting information.

Student Budget Calculator
http://www.accessgroup.org/calculators/in_schlbud.htm
Simple easy to use budget calculator especially designed for students.

Young Money Magazine on Money Management
http://www.youngmoney.com/money_management
Young Money is a personal finance magazine for students and young adults, with articles on student financial issues and information/tips on saving, budgeting and smart spending.

Related Blogs- personal finance, saving money, budgeting, frugality

I Will Teach You To Be Rich
http://iwillteachyoutoberich.com/
The blogsite of a Stanford student, with his thoughts on money and many useful links for college students and everyone else.

It's Your Money- Blog
http://www.mdmproofing.com/iym/weblog/index.html
Thoughts on personal finances, goals, experiences, motivations, and accomplishments.

Spending Wisely
http://www.spendingwisely.com/
One woman's tips, tricks and ruminations on spending, saving and frugality.

Budgeting Travel for Students

www.kayak.com