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(Black Enterprise) — If you or your child has just graduated from college, your number one goal may be getting a j-o-b.  Of course, that’s a lot easier said than done, with unemployment rate around 9% and even higher–a staggering 16%–for African-Americans.  Still, there are many steps recent college graduatescan take to put themselves on the road to financial security, including numerous steps that have nothing to do with finding that next work gig. In fact, if you don’t yet have a job, the tips below can help you keep your finances in tip-top shape while you actively pursue employment.  Here are four financial strategies for the Class of 2011:

Avoid Credit Card Pitfalls:  Once you leave campus life, it’s important to learn how to juggle a host of new expenses–rent, food, utilities, and more. If you haven’t already landed a job, you might be tempted to rely on credit cards to make end meet. But for your own sake, resist that temptation.

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