New Graduates

What's next?

Grad school, marriage, a career, an internship?


We may not know what the future holds, but we know who holds the future.


Far away from family and friends?  Ease into your new life by joining a small group at a nearby church or online. 

Develop a budget and stick to it. If you overspend in one area, you must save money in another area to balance your spending.

He who loves pleasure becomes poor; wine and luxury are not the way to riches. Proverbs 21:17 (Tay)

Is your nest egg scrambled by debt already?   Pay off your credit card debts now.  Cut the cards up and put them in a drawer if you have to until they are all paid off. Yes, and pay cash for your coffee.

 

Job Hunting

Prepare yourself to answer the tough questions like "Where do you want to be in 5 years?" Stand in front of a mirror and practice some sort of answer. Even if you do not have the foggiest idea of what you want in 5 years, come up with some sort of confident 30 second speech. Something like this: "I have a wide variety of interest currently. I will do my best to support your team's efforts here. In four years I can reevaluate." 

 

Q. Should you work with a job placement counselor (called a Head Hunter)? 

A. The best source of a job for you may be a referral from someone who already works with a company.   Companies fill jobs from referrals. That is why most jobs are never advertised. Why?  Because it's cheaper! So make a list of people you know who work somewhere interesting.  Then call them.  Make a huge effort. If you do work with a placement agency, you should never pay a fee for that.  The employer pays for the services of the head hunters.

Q. How can I impress the interviewer?

A. Research the company.  Read through their web site.  You want to find a good match for yourself with their corporate culture.  Be yourself but look the part of the job for which you are interviewing. Try to make sure that the actual day to day work is what you what to do.  If you are a "people" person, you may like sales.  If you are a techie, you may want to deal only with machines not people.

Tips on finding your first place.

First you need a job. Then you need a budget.   Your rent should be about 25% of your take home pay.  Your landlord will pull your credit report. If you don't have a steady income source, you won't qualify for a lease.  So pay off your credit cards the month before you apply. Car loans or student loans may keep you from qualifying for a lease. You may have to share a place until your credit card debts are paid off.

 

This is the real world.
Any questions?

See Twentysomething Surviving and Thriving in the Real World by Margaret Feinberg. Her book is full of pertinent questions, answers, and practical advice. Visit her web site at www.margaretfeinberg.com

Congrats! On your own now!
A job well done Debt
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