I would make sure you have a budget to live on. Pay yourself 10% for savings. I hope you have a 401k pension plan that does matching. Make sure you have health insurance. Everyone is allowed a once a year credit report from the 3 credit reporting agencies. DO NOT LET ANYONE CHECK YOUR CREDIT FOR ANYTHING INCLUDING A HOUSE. It's NOT time to buy one yet. Go to freecreditreport.com the one you don't pay for. You will pay all 3 agencies to see what your score is which is about $8-15 each but WORTH it!
Try not to open any new credit accounts at once. Get that report first! I'd stay in that apartment for 3-5 years or find another apartmnt or house rental if the one you have is too expensive. It is so CRUCIAL to live below your WANTS and live by your NEEDS instead. The idea is to take time to know what you want and to see how the economy is doing. Don't believe all these reports that the economy is getting better. Trust what YOU SEE and VERIFY! DO NOT GO TO A LENDER....just about EVERYBODY checks YOUR CREDIT REPORT! That puts dings against it lowering your FICO SCORE. NEVER LET ANYONE DO A CREDIT CHECK EXCEPT THE OBVIOUS (rental agreements, life insurance, car insurance, job applications considering you for a job). Have your own on you for your reference only knowing your own 3 credit reports from Equifax, Experian, and Transunion. Make sure when you get them online that you save them to your computer and copy them. After that, in a year later when they are free again (except the scores you need) don't order them at once but stagger them out. Get 1 every 4 monhs until yu have all 3.
I don't know if you have a significant other or not. Whoever you become serious with, KNOW their financial situation by asking them to check into their free credit report with scores for you two to share. You don't want to become burdened down with someone else who's highly in debt. College loans are a GOOD debt but pay them down quickly. Any debts occurred, do NOT pay minimum payments but pay them down as quickly as possible. You can SAVE on finance charges by paying on debts weekly instead of monthly as it saves on those pesky finance charges. If you MUST use a credit card for REAL NEEDS, pay them off as soon as the bill ARRIVES.
ALWAYS HAVE 5 YEAR GOALS and then 10 YEAR GOALS in your career and in your financial affairs. You never know when you are transferred or laid off. It costs to move which is NOT always paid by someone else!Have an account for saving 9 months of living wages in case of job loss. Don't be in a hurry! You didn't get where you are at overnigt. Then YOU CAN NAME YOUR OWN FUTURE.