Practice the 3 Rs of money for new nurses

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So you have your first job and are finally making your own money. But you are on the brink of drowning in student-loan and credit-card debt. What happened to the idea of earning money and spending it on fun things? Well, that idea is not completely out of reach-it just requires some planning.

Practice the 3 Rs of money: reality, responsibility, and restraint.

  • Reality: Recognize that unless you strike it rich, which is highly unlikely, you will have limited amounts of time and money to use.
  • Responsibility: If you handle your money wisely, you can do a lot of good for yourself and others. But, it's your own fault if you blow your money.
  • Restraint: Learn delayed gratification. Have the self-control to save your money for a future goal instead of spending it now.


Editor's Note: This was an excerpt from HCPro's book, Stressed Out About Your First Year of Nursing. Check out our latest nursing resources here.