Living away from home is a personal and financial turning point for many young people. But the feeling of freedom can quickly give way to anxiety. The financial pressures can be daunting -- many students work during the academic year or have to stretch income from summer jobs.

Here are some hints on making the transition from Patricia Q. Brennan, a family and consumer sciences educator with Rutgers Cooperative Extension of Morris County, New Jersey. Brennan is a certified financial planner who teaches courses on money management for young adults and young couples. She is co-chair of "Investing for Your Future," a non-credit, self-paced, online money management course found at http://www.investing.rutgers.edu.

Know Your Money Personality

Understanding your money type, or the feelings you have about money, can help you better manage your resources and ward off future money problems. Brennan cites the following "money types" from "Money Harmony," a book by Olivia Mellan:

Read on to find your "money type"...

• SPENDERS have a hard time delaying gratification and can always think of something to spend their money on right now.