Financial fears never go away in a world where money is all around us. I recently wrote a previous article about financial fears that everyone needs to conquer, which addressed things like living on your own and opening a joint account with a significant other, but did you know there are more issues that need to be overcome? The more you learn and prepare yourself for your financial future, the less scary it seems.

Anyone that has put off looking at their financial situation should finally dedicate the time to analyze where they stand when it comes to money. Are you wisely investing? Paying back your college debt in a timely manner? What about saving for your dream vacation?

Putting money into stocks, a CD, money market or anything else that can yield a profit can seem overwhelmingly scary for someone that has never invested before. These types of investments should not be beyond your comprehension if you dedicate the time to educate yourself. The truth is, a lot of people are afraid of stocks and other investments because they possess limited knowledge on the subject. Start off by researching about the stock market and learning the basics. Continue to expand your knowledge until you feel comfortable making a small investment.

A good way to prepare yourself is to keep track of stocks you are interested in. Did you believe a particular investment was a wise decision and was eventually proven correct? If so, it may be worth your time to keep a lookout for these types of investments.

Paying for the cost of education
Paying back college debt is not something graduates look forward to, especially since the average college graduation debt is currently above $35,000. The good news is theaverage college graduate salary is on the rise at more than $44,000, due to improved economic conditions. One of the primary goals for graduates with college debt should be to pay it back as soon as possible.

Before graduation, every student should speak with a financial advisor on campus to review their debt. During this time, a realistic plan to pay back that debt should be devised so that the graduate has a clear understanding of what to expect after graduation.

Planning travel costs
Domestic travel is always fun, but nothing compares to venturing off to a foreign country. When was the last time you took a vacation away across the ocean? The cost of booking a flight, hotel, and paying for food and other expenses necessary for an international trip can be intimidating. Yet with proper planning ahead of time you can take an international tripand remain financially stable.

Consider saving $25 a week, which adds up to $100 a month, and annually, $1,200. Over the course of three years you can save $3,600 to use toward an international trip. Depending on where you want to go and how much you are willing to spend, this figure is a good amount to start with.

As long as you plan in advance and commit to saving on a regular basis, you can afford to travel when the occasion arises. Life is meant to be enjoyed, and part of managing your money and finances properly is so that you can afford to have fun without putting yourself in financial jeopardy.

This article originally appeared on MyBankTracker.