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First Job. First Financial Responsibility. Now What?

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Dear Carrie: I'm about to graduate from college and have landed my first job. It doesn't pay a lot, but it's in my field. From a financial perspective, what are my first moves? --A Reader

Dear Reader: Congratulations on what sounds like a promising start to your career. And congratulations, too, on wanting to use your money wisely. Your first moves -- both in your career and in your finances -- can be crucial down the road. It doesn't matter how much money you make to begin with, but it can matter tremendously how you use it.

Managing your money starts with...