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I would get a credit card for emergencies but even if you get in the system of purchasing and paying off in full if someonething comes up and you can't make a payment you start a continues stream of barely or not being able to pay it down.
I have also graduated and working fulltime now. I found that using Microsoft Money just to analyze my spending to be quite usefull. Although I keep mental tabs on my money I don't think of some expenses as adding up in very quickly I spent a few hundred dollars without thinking twice about it. Now, I can track when such luxury expenses happen and keep myself from falling into those pitfalls.
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