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In this recurring #Girlcrush series, I’ll be chatting with women across the country who are totally crushing it by chasing their dreams on their own terms, making money, running a side hustle or just pursuing their passions. Have an entrepreneur you think seriously slays? Slide into my FB DMs!

ClassPass and MealPal co-founder Mary Biggins has been busy.

Are you making these money mistakes?

Not Using a Budget.

If you don’t have a system to identify where your money is going, you’ll likely be on your way to other poor financial decisions.

There are many easy budgeting methods, like envelope budgeting and the 50/20/30 method that are fool-proof ways to keep your spending in check.

Not being realistic.

Once you have that degree in your hand, you may feel like your picture-perfect career is right around the corner. In reality, that might not be the case.

Young adults sometimes overspend, because they expect their financial goals to be met. Stay focused on your current financial situation and be prepared for anything.

Not saving.

You may not be able to save thousands right away, but you can start small. Let go of the mindset that saving is only for retirement. Everything, from planning a vacation to taking care of car repairs, requires setting money aside.

Real talk: Investing is intimidating. The stock market (and all its scary, spikey graphs and charts) can make it tempting to just stash your cash in a savings account and let it sit.

But if you’re not investing, you’re missing out on the perfect opportunity to really build your wealth… which is kind of a big bummer. Since FOMO isn’t any fun, I’ve created this roundup of easy-to-use investment apps and platforms for every type of new investor!

Acorns

Like anything in life—whether it’s getting back in the dating game after a bad breakup or finally starting your workout regimen—half the battle is just getting started.

Starting that savings account you’ve been putting off is no exception! Once you get it kicked off, though, the rest can be cake; as long as you have a bit of self-discipline and stash your cash in the right spot.

Here’s your step-by-step guide for saving at every stage!

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Forget any stereotype you had about saving; there are banks out there that don’t require a minimum balance, offer pretty good interest rates, and don’t have monthly maintenance fees! A few standout rates currently include Ally Bank and Synchrony’s APY of 1.20 percent, which isn’t too shabby.