Want a memorable graduation gift for a high school or college student? Ditch the fancy pen or jewelry and opt for creative financial gifts ... grad the new 60/30/10 budgeting method.

More than a third of Americans will be giving graduation ... or college graduate this year. People expected to spend $116.97, on average. More than half (52%) planned to give cash gifts.

A middle school graduation isn't an event that tends to get as much hype as a high school or college graduation ... If you ...