How to Handle Your Finances Like an Actual Adult

Congratulations! If you’re one of the many who have graduated or will be graduating in the coming weeks, your transition to adulthood is just beginning. Now that you’re on your own (or will be soon), you’ll have to find a job, figure out where you want to live, find roommates — the list goes on and on. But you know what’s typically missing from that ever-growing list? Taking your money seriously.

Making your finances part of your adulting routine may seem daunting, but with the right tools and tips, you’ll be a pro in no time. See below for five easy and helpful things you can do starting now.

1. Know where you stand, so you can know where you want to go. You have the job and are living on your own — now what? Understanding your financial profile and figuring out where you want to be is a great start. Graduating school comes with a great amount of responsibility as well as new and exciting financial steps for you to take to reach your financial goals. Everyone should have the power in knowing where they stand in order to make well-informed decisions with their money today, tomorrow, and even a few years down the road. Start small and take the first step of writing down your recurring monthly expenses, including rent, car payments, and groceries. Road mapping your monthly expenses will help you track against your financial goals, identify ways to save and, in turn, pave a clear path to having control of your money in the future.

2. Turn to technology for help.Money apps can help you take complete and total control of your finances and give you a clear and holistic view of your financial health. You can download tools like Turbo and Mint, two money management apps that provide you with a complete picture of your financial life and help you manage your day-to-day spending (and even show you how you stack up against similar people). Whether it’s utilizing the savings feature with Mint or using Turbo to calculate your debt-to-income ratio to determine if you’re living within your means, both help you understand where your money is going.

3. Start thinking about (and managing) your debt-to-income ratio. Your debt-to-income (DTI) ratio is an important number not only to potential lenders but also to you because it can impact future financial purchases. This number shows how much money you owe, what your net worth is, and if you can afford to take on more debt. DTI is your total monthly financial obligations, or debt, divided by your total take-home pay. It is a key financial health indicator that shows if you’re living within your means. The lower your DTI, the stronger your financial health. Here are a few rules of thumb to keep in mind: With a ratio of 35 percent or less, your debt is at a manageable level and lenders will find you an attractive applicant. With a ratio of 36-49 percent, your debt is being managed adequately but you have room for improvement. Lenders may require more information to determine if they approve your application. With a ratio of 50 percent or more, you need to take action. This number indicates that you do not have much leftover money after paying your monthly bills, and lenders may not be willing to approve you to take on any more debt.

4. Track all of your $$ (even that side hustle) for tax time. Now that we live in the on-demand economy, making supplemental income is easier than ever. Whether you decide to drive for a ridesharing service or offer professional expertise through websites like Thumbtack or Taskrabbit, it’s important to keep tabs on all of your money coming in. While most budgeting apps can help you with this, it’s tough to track down all of the right forms come tax time. New apps, such as Turbo, can help automatically import all of your income streams — e.g., a full-time job with a W-2, a side gig with a 1099, or non-taxable military income — for both yourself and your spouse or partner directly from TurboTax. If you manage finances for your family, you can also add in any additional self-reported income for your family members to see a complete picture of your financial situation. For newly married (or engaged!) couples, understanding your true household income can help determine where you stand on qualifying for a loan for your first house or help you file your taxes as a married couple for the first time.

5. Cancel those unnecessary subscriptions and memberships. Now it’s time to think about all of the subscription services you belong to, such as streaming networks, magazines, music services, meal prep, gym memberships, and personalized boxes. How can you cut out the redundant services and keep what’s necessary? With services like Hulu, Netflix, HBONow, Showtime, Amazon Prime, and more, you’re paying for different types of content but likely have some overlap. Take a moment to review your bank account monthly statements and take note of all the different monthly subscriptions and memberships you pay for (that can range from $6 to $45 per month). Do you use all of them? There is probably at least one you can cancel or think about taking a break from.

What are your best money tips? Share them with us @BritandCo.

(Photo via Getty)

As I grow older, I’ve come to appreciate the finer things in life. I’m no longer investing in things that don’t truly serve me, especially items that simply won’t last long-term. I’m certainly more particular about the clothes I buy (and even more so the materials they’re made of), and I often have to think twice or thrice before adding some silly little home decor to my cart. These days, I’m more likely to save my hard-earned money for life experiences like vacations and concerts, maintenance items like my car and bike, and a damn good night of dining out.

Past these, there are a handful of comfort purchases that are totally worth the money, according to a select group of millennial Redditors under r/Millennials. From luxury skincare products and high-end kitchenware to travel and sleep necessities, I’m truly amused by (and learning a lot from!) their responses to the question: As you’ve aged, what comfort/luxury items have you decided are worth the money?


Here are the little luxuries they buy every time.

What do millennials spend the most on?

Thirdman

Before digging into the little luxuries of it all, let's see what millennial spending habits look like in general! According to Investopedia, millennials are actually more "value-oriented" when they spend money — likely inspired by the 2008 financial crash and other unprecedented, major societal events. Since values are pretty subjective, that spending can translate in myriad of ways...including "doom spending" — or mindlessly shopping "to self-soothe because they feel pessimistic about the economy and their future" — according to CNBC.

The New York Times reported, "Millennials and Gen Z are more likely than older generations to make spending on a hobby or nonessential purchases a priority." This furthers the fact that instead of always spending towards a goal or an inherent need, millennials are looking for something more with their purchasing power. Opinions on these habits may vary, but one thing remains true: millennials want to use the money they do have to make their lives better.

Arthur Shuraev / PEXELS

1. Nonstop flights.

A few millennials agreed that spending the extra money for nonstop flights is very worth not having any kind of layover that could extend already-long travel days.

“Especially if traveling with children,” one person wrote. “Let The Journey end as quickly as possible.”

Bosch

2. Higher-end appliances.

Higher-end appliances seem popular among this millennial crowd because they have a slimmer chance of going kaput after a few years.

“I don’t want fancy bells and whistles,” one Redditor said. “I want the item to do [its] job and not crap out after 5-6 years.”

“It's the "smart" appliances that crap out quickly,” another person weighed in. “The more unnecessary buttons, the more unnecessary electronics, the more likely there is to be an issue.”

Some responders really love their Bosch appliances, like dishwashers, ovens, and more: “Bosch appliances for life. No frills but will run forever.”

Cottonbro Studio / PEXELS

3. Professional movers.

This one is quite self-explanatory: “Just save yourself the time and pain.” Amen!

Naturepedic

Naturepedic EOS Trilux Organic Latex Mattress

4. A really great mattress and pillows.

Several millennials noted that you’re likely to pay for back pain and other health issues down the line if you don’t invest in a good sleep set-up now. Many users responded that high-quality mattresses and pillows are their #1 ‘worth-it’ splurge.

“You spend 1/3rd of your life in that bed,” one person posted. “And if it's a shit one, it can and will slowly ruin your back and health.”

Sephora

5. Skincare.

Many skincare-focused users said that investing in skincare products that have a positive track record on their skin is also well worth it. Several users’ responses kickstarted a conversation about the best skincare ingredients to look into, especially with aging on the brain: SPF, tretinoin, vitamin C, retinol, and even Botox were mentioned.

A few more products were suggested in the thread were:

Amazon

Victorinox Grand Maitre Chef's Knife

6. Expensive (and sharp) kitchen knives.

A few Redditors said they’ve never once regretted their investment in luxe kitchen knives.

“I have a Victorinox chef’s knife that is my go-to and it was maybe $50 on Amazon. I’ve had it for years,” someone wrote. “Learning to sharpen knives properly is the key.”

“Also, [realizing] you don't need to buy a full knife block,” another person said. “Curating your knives based on the ones you actually [use] in your kitchen.”

Xtrema

Xtrema Versa Pan

7. High-end pots and pans.

Now this is some good advice!

“I find that more money spent on restaurant-quality cookware is worth it because I’m going on 25 years with the same sauce pans, stock pot, and skillets,” one user noted. “Non-stick sucks for everything but eggs and fish, but my cast iron works well enough for that as long as I can pay attention to what I’m doing. Don’t buy sets if you can afford good individual pieces.”

Pok Rie / PEXELS

8. Vacations.

Not only is a vacation one of the most popular comfort purchases among this particular group of millennials, making a vacation last at least one day longer seems to be the move, as it allows ample time for rest and recovery. Sometimes you just really need that extra day to get your mindset straight.

“An extra day off after I get home from my vacation,” someone wrote. “For some reason I need to have a vacation from my vacation before I go back to work.”

Brit + Co

9. A "bougie" gym

Going to the gym is usually a trying experience — you're exerting yourself physically, so why exert yourself mentally too? Instead of opting for the cheaper gyms that don't have as much to offer, some commenters note that the frills make their workout experience all the more worth it. One commenter straight up answered, “Paying for the bougie gym that’s got a sauna, cold plunge, and a good yoga instructor.”

Vlada Karpovich / PEXELS

10. Toilet paper.

It may seem subtle, but paying for higher-quality toilet paper can be a good boost to your everyday routine, according to some Reddit users.

A few commenters also praised the magic of having a bidet: “Best $150 I have ever spent is to [buy a] bidet attachment for my toilet.”

New Balance

New Balance Fresh Foam X 1080v14

11. Shoes with good support.

“Cheap out on shoes? Pay for foot problems and back problems,” one Redditor wrote. And they’re not wrong!

I grew up with parents that wouldn’t pay for cheap shoes in hopes the more expensive ones would last much longer, and I’m glad I did. It’s a mindset I’ve adopted as I grow further into adulthood, buying shoes that aren’t only made of durable materials, but provide ample support for my arches.

Brit + Co

12. “Anything that makes my body hurt less.”

This is pretty self-explanatory, but let's be real: our bodies just hurt as we age. It's an annoying fact of life, but it doesn't have to be a permanent feeling. This commenter likes to buy whatever makes their "body hurt less," and I'd like to think that looks like a lot of things. It could be the comfy shoes we've mentioned, the high-end mattresses, and the likes of all that! It could be an epsom salt that just always relaxes their muscles. It could be really anything, really! But the priority is clear: comfort is seriously key, and spending money on that is certainly not a waste.

Sebastian Ervi / PEXELS

13. Sitting closer at concerts.

Standing for hours in the GA section is so exhausting, and I’m tired of pretending it’s not! A few users agreed splurging on the more-expensive sitting arrangements is way better than waking up with foot and back pain. Plus, the view can often be a lot more enjoyable!

“I'm always trying to get to the front for general admission shows, but when seating is involved, I'm committed to paying more to be closer,” one user posted.

Amazon

14. Non-toxic cleaning products.

One user said non-toxic cleaning products are their go-to comfort purchase worth spending regularly on.

“The toxic overload we experience is causing all kinds of endocrine disorders and cancer,” they wrote. “I make a lot of my own, but if I buy:"

Brit + Co

15. Coffee, chocolate, and cheese.

Knowing what you like — and what's important to you — can really help when you're prioritizing what to spend on. This millennial commented, “I never cheap out on coffee, chocolate or cheese. I’m not buying luxury items, but I will get the highest grade I can get in my regular grocery stores. The cheapest stuff just isn’t worth it.” Amen!

Subscribe to our newsletter for more fun shopping + lifestyle tidbits!

Brit + Co may at times use affiliate links to promote products sold by others, but always offers genuine editorial recommendations.

No matter what kind of day you're having, Marissa Cooper's having a worse one. Mischa Barton's The O.C. character went through the ringer during the first three seasons of the teen drama (remember how she overdosed in Tijuana...and also saw her parents post-hookup after their divorce?).

And during her time on The O.C., Mischa Barton struggled with drug and alcohol abuse. She was arrested for a DUI in 2007 and eventually received involuntary psychiatric hospitalization in 2009 after allegedly threatening to end her own life. And in a new interview, Peter Gallagher (who played Sandy Cohen on the show) says he's "just so grateful" for "the fact that she’s still alive."

  • Mischa Barton starred alongside Peter Gallagher in The O.C. from 2003-2006.
  • The actress has revealed the "trauma" of being a star at that point in her life.
  • Peter recently opened up about how he's thankful "she’s still alive."


Dimitrios Kambouris/Getty Images for FLC/John Lamparski/Getty Images

The O.C. follows Ryan Atwood, who moves in with the Cohens after getting kicked out of his mom's house, and starts a relationship with Marissa shortly after. While Peter Gallagher played Adam Brody's TV dad instead of Mischa's, Sandy was a definitely father figure for Marissa, and it seems like Peter felt that same responsibility off camera.

"I’ve always felt very protective of her," Peter told The Independent. "First fame is toxic. First fame can kill you. She was 16 years old when she started working with us, so just the fact that she’s still alive, I’m just so grateful."

“You can go to therapy every day for the rest of your life,” Mischa said in a 2023 interview with The Sunday Times. “There’s just a certain amount of trauma [from] all that I went through, particularly in my early twenties, that just doesn’t go away overnight.”

Josh Schwartz and Stephanie Savage revealed that season 1 overdose not only served as a cliffhanger, but gave “network executives an escape hatch on a performer they had been wary about” (via People). But Mischa Barton got her big break, becoming "how people knew the show," and (thankfully) Marissa recovered — only to die after a car crash in season 3.

As hard as that season 3 ending is to watch, Mischa did have the opportunity to watch it with Rachel Bilson and Melinda Clarke for the first time on their rewatch podcast. "It needed to be a thing, after everything she's been through, but if it's here I'll watch it with you," Mischa says.

"I couldn't do it, Mischa, I couldn't do it," Rachel adds. "But I'm going to do it if you're going to do it."

Mischa says even though being written off the show "was a little bit of a bummer," it wasn't necessarily a surprise. "The character was just doing too much," she told Vanity Fairin 2023. "And I think they ran out of places for her to go. It was not the best thing in the world, [but] there wasn’t much you could do at that point. It was whether she could sail off into the sunset, or die. At that point, I guess it’s better to have the more dramatic ending.”
What did you think of The O.C. season 3 finale? Let us know on Facebook!

In our Take 5 series, sponsored by Verizon, we ask women in business about unexpected challenges, their inspirations, recent wins, and how the free Verizon Small Business Digital Ready Program has helped propel their business forward. Here, we meet Rita Suzanne, a marketing strategist for health and wellness businesses who learned to network, connect with other entrepreneurs, and build her business online and IRL.

What's an unexpected business challenge that you've had to face and how did you overcome it?

The hardest thing for me was my sister passed away and I ended up taking custody of my nieces. I ended up being a single mom of four kids. This is the thing that transitioned my whole entire life. I stopped doing web design and started my podcast Mom Owned and Operated. I wanted to reconnect with other moms and figure out how they were able to run their businesses and raise a family and take care of themselves because I wasn't able to do all three at the same time. Through that journey, I realized that I really needed to connect with other people and how important it was for my business. It helped me to create that community that I was yearning for that I didn't realize that I needed.

What's a recent small win for your business?

For me, the win was just pivoting back to something that I actually wanted to do. Also, I’ve started to say no to things that I no longer want to do.

Who is a woman in business that you look up to and why?

I have always admired and looked up to Amy Porterfield [author of Two Weeks Notice]. I listened to her all the time when I was starting out. I think that she's amazing and I love her stuff. She just seems like a very genuine person.

Is there a resource that has made an impact on you as an entrepreneur?

I listen to a lot of audio books. One of my favorites that has been huge for me is You Are A Badass by Jen Sincero. I was told when I first started my business, by a friend who was a business coach, that I have a mindset problem. Ten years ago, I had no idea even what “mindset” was. Sincero’s book helped me to see what she meant by “mindset” and helped me adjust that mindset and fix some of the things that I didn't realize were broken.

How has the Verizon Small Business Digital Ready Program helped propel your business forward?

There are a lot of things that I have loved about it. There are local networking and training opportunities, and that has been great, and the online training is very valuable. It's a great resource. I find that marketing needs a three-tiered approach, meaning you need to network it locally, socially, and then also have a very comprehensive online approach to your marketing. One of the Verizon Small Business trainings that I took was all about taking advantage of your local resources. I found that to be extremely valuable because often people think they need to just focus on social media. I don't think that people focus enough on their local community.

Learn more about the free Verizon Small Business Digital Ready Program and Rita Suzanne.

Illustration by Daniela Jordan-Villaveces

Former Disney Channel star Dylan Sprouse and model Barbara Palvin are certainly living the sweet life after tying the knot in Palvin's native Hungary. The couple, who have been together for nearly five years, have always been pretty low-key — except for the occasional and undeniably adorable Instagram post (and a stunning wedding!). We are simply ~obsessed~ with this celebrity couple, especially after they pulled out all the stops for their couple's Halloween costume. Keep scrolling to see some of their best moments :').

See Dylan Sprouse & Barbara Palvin's Halloween Couple's Costume!

For Halloween Dylan Sprouse and Barbara Palvin stunned as the Phantom and Christine from Phantom of the Opera. Dylan wore a mask and a black cape, while Barbara wore a beautiful white dress. While the costume is obviously a nod to the musical, it also totally reminds us of their day as bride and groom.

"In Sleep He Sang to Me," Barbara said in a post, quoting the musical's titular number. "@dylansprouse my forever Phantom."

Who did Dylan Sprouse marry?

www.instagram.com

On the couple's wedding day (July 15, 2023), Barbara wore a Vivienne Westwood wedding gown to celebrate her Hungarian nuptials, bringing together their nearest and dearest for an intimate(-ish) celebration. Barbara and Dylan tied the knot on her parent's property, which conveniently doubles as an event venue, with plans to host an larger wedding in California in the fall.

"This past weekend was supposed to be an intimate event, but we ended up having 115 guests in the end because there are a lot of people we care about, and we wanted them all to be there," Barbara told Vogue.

When did Dylan Sprouse and Barbara Palvin get engaged?

www.instagram.com

Barbara Palvin on Instagram: "♥️"

After months of speculation surrounding the couple's engagement, Dylan and Barbara confirmed their engagement in conversation with Sprouse's twin brother, actor Cole Sprouse, for V Magazine in June, sharing that they got engaged last September.

"We didn't necessarily feel the need to be fully transparent with the public about that aspect of our engagement," Dylan said. "What we wanted to do with Stephen [Gan, V editor-in-chief] and the V team is make something that was kind of tongue-in-cheek about the nature of private versus public. We're playing with the idea of perception."

Barbara noted that the lovebirds wanted to announce the news "on our time," adding, "When some people leaked the information that we got engaged, our PR team was like, 'Hey, so you guys should do maybe a post about it or talk to this magazine or talk to that magazine…' That really annoyed me because I knew we were building this story up. So, I'm very happy that we ended up doing it our way."

When did Barbara Palvin and Dylan Sprouse start dating?

Sean Zanni / Stringer / Getty Images Entertainment

See Dylan Sprouse & Barbara Palvin's Dreamy Halloween Costume: "My Forever"

According to People, the couple met back in 2017 after a party when the Suite Life On Deck star slid into the model’s DMs (and as they say, the rest is history). The duo made their relationship Instagram official back in 2018 with Barbara’s sweet birthday tribute for Dylan’s 26th birthday.

Let’s be real here for a second though, we all knew they were endgame the minute Dylan went above and beyond to support Barbara at the Victoria Secret Fashion Show that same year (remember this viral video?). Three days after the fashion show, the Hungarian model told Vogue Australia that she hadn’t had a boyfriend in six years, but had now found “the perfect guy” in Dylan (we aren’t crying, you are).

How old are Barbara Palvin and Dylan Sprouse?

Vittorio Zunino Celotto/Getty Images

Barbara Palvin was born on October 8, 1993, making her 31 years old. Dylan Sprouse was born on August 4, 1992, meaning he's 32 years old. So there's only a one-year age gap between them!

Stay up to date with all of Brit + Co's favorite celebrity relationships. Let us know your thoughts on Twitter!

This post has been updated.

2017's The Beguiled gave us one of the best groups of people of all time: Elle Fanning, Nicole Kidman, Sofia Coppola, and Kirsten Dunst just to name a few. And we're finally getting an Elle and Nicole reunion thanks to Apple TV+! "THRILLED to bring @rufithorpe genius hysterical heart-wrenching heartwarming book to your TV screens alongside a dream group of people!" Elle says on Instagram. Rather than having to test the success of its pilot, the series has already been ordered — even though the book it's based on isn't even out yet! Here's everything you need to know about the series.

  • Dakota and Elle Fanning will produce the upcoming Apple TV+ show Margo's Got Money Troubles.
  • The series follows Margo, who signs up for OnlyFans after learning she's pregnant.
  • The cast includes Elle Fanning, Nicole Kidman, Michelle Pfeiffer, and Nick Offerman.

Who's in the Margo's Got Money Troubles cast?

Amy Sussman/Mike Coppola/Getty Images

Margo's Got Money Troubles Cast

We couldn't contain our excitement when we learned Margo's Got Money Troubles will star Nicole Kidman and Elle Fanning, but knowing Michelle Pfeiffer is also joining the cast is too much to bear! This is the first time the actress will collaborate with her husband, TV creator David E. Kelley, so we can't wait to see the magic they'll create (via Deadline).

Nick Offerman from The Last of Us and Parks and Rec will also star.

When is Margo's Got Money Troubles coming out?

Ron Lach/Pexels

Margo's Got Money Troubles Release Date

We don't have an official release date for Elle Fanning and Nicole Kidman's TV show yet. I'm thinking if the TV show is in the early stages of planning, we could see it in 2025! Check out all of this year's best New TV Shows to hold you over until then.

What is Margo's Got Money Troubles about?

Amazon

Margo's Got Money Troubles Plot

Margo Millet is the daughter of a Hooter's waitress named Shyanne (Michelle Pfeiffer) and an ex-wrestler (via Deadline). She's always had to make it on her own, even though she's not sure how. When she enrolls in her local junior college, she's totally unprepared to get swept up into a torrid love affair with her English professor — or to get pregnant.

Now at 20 years old, Margo needs an income and fast. She decides to experiment with OnlyFans and ends up taking some of her estranged father's advice from the world of wrestling to create a character users will fall in love with. You can order the book now!

What is Elle Fanning and Nicole Kidman's new TV show?

Tima Miroshnichenko/Pexels

Margo's Got Money Troubles is coming soon to Apple TV+ thanks to a bunch of different producers. A24 is backing the film, as well as Elle and Dakota Fanning’s production company Lewellen Pictures and Nicole Kidman’s Blossom Films, to name a few.

What else has Elle Fanning and Nicole Kidman starred in?

Focus Features

Elle Fanning and Nicole Kidman starred in 2017's The Beguiled. The movie follows John McBurney, an injured Union soldier, who winds up at a female Southern boarding school after deserting the Civil War. But soon, as the women help him, tensions turn to rivalries and friends turn to enemies.

Are you excited for Elle Fanning and Nicole Kidman's TV reunion? Let us know what other New TV Shows you're watching in the comments.

Brit + Co may at times use affiliate links to promote products sold by others, but always offers genuine editorial recommendations.

This post has been updated.