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Here are tips for landing your first job and forming good money habits

My father taught me a lot of great things, such as how to ride my purple -seat bike and how to dream.

He used to say, “You have to dream of getting there.” He was pushing me to “search for” I can “not.”

His advice still guides me.

As a financial column writer and author, I now have my own advice to present graduates this year when they enter the real world and the labor market.

Driving a wide network. There is more competition for fewer beginners jobs, according to shaking hands with the online job platform. The number of requests for each job increased by 30 %. More than half of the university graduates for this year are pessimistic about the start of their career in the current economy.

Do not pay attention due to noise. Focus on what you have to offer. Look for jobs that steal your skills steadily, your professional network and nourish your curiosity.

Be dreamer. What are the non -profit companies or organizations that work that corresponds to the things you appreciate? What kind of work will you share you?

Think about what you like to do for fun, hobbies or sports. These activities reveal the type of pledges that excite you. In turn, they also offer a set of skills that translate into work you can do. What does your passion for chess or tennis tell you about yourself?

Say sailing is your passion. Seaving includes continuous decisions and problem solving, which is the ability to make movements at the last minute under pressure if the weather turns. This is a hint about what arouses you and can help you draw contacts for what you may want to search for in a job.

Think about what you like to do for fun, hobbies or sports. These activities reveal the type of pledges that excite you. (Getty Creative) · Tim Platt via Getty Images

Build your network. He is used to stay in contact with classmates and former colleagues from summer jobs, internal training, and every job along your way. All it takes is a quick note, call or coffee history if you are in the same city. You never know when you may be able to give them a boost while searching for a job or vice versa.

Invest in yourself. Set the time and money to add new certificates and skills. If you hear about a business you want to look at, ask if you can play a role in it. If there is a training program in the workplace, raise your hand. Attendance of industry conferences and communication with people in your field. Find a teacher or guides to learn who can form a career path.

Create your mission statement. Beverly Jones, an executive coach and author of the book “Thinking Like Businessman,” told me even the arduous job you can feel the reward if you have a good reason to do the work. “

The statement of your mission may change over time, but its purpose is to be handrails to make decisions about your working life. My mission statement: Inspired people to find joy in their work and create financial security.

Your statement should be 25 words or less. Make it active. Use words like payment, inspiring, and driving.

to reply. Exit from your head to the world. Doing something else makes you always feel better, especially if searching for the job worries you. Volunteering can open communication opportunities while forming your skills and adding new skills.

Control your financial life. The first step is to build a budget for your salary balance after taxes and spend on rent, facilities, food, transportation and student loans. This will inform you of the remaining amount of estimated spending.

Follow your spending. (No eye rolls, please.) This allows you to know where you spend your money and places that you can back away. Try the budget tool to track spending and prepare your budget.

Amali is a free personality financing tool from Yahoo Finance. Provides a snapshot of your entire financial life, from your credit degree to monthly cash flow.

Except for retirement. Although savings for retirement may be low in your priority list today, consider this method to save your life instead of your retirement.

Take advantage of the employer 401 (K) or a similar pension plan. The more you start saving, the more money and grow for you. At least, customize enough to qualify the full matching money to the employer if you can.

When you switch the jobs, do not spend it. You can leave the money in the old employer’s plan, wrap it in the plan of the new employer 401 (K), or direct it to the individual retirement account (IRA). Do not lose it.

Read more: How much can you contribute to 401 (K) in 2025?

Save and invest outside retirement plans. The best way to motivate yourself is to photograph what you provide – for example, home, car or trip.

Cut the pictures from the magazines or the printed pictures that you cut yourself and record it on the wall so that you can see them regularly. Instead, create a vision panel on your computer to help you continue to focus on your goals. These visual reminders come a long way to keep you focus on “why” savings. Delayed gratification is not something most of us.

Build your emergency box. Most financial advisors suggest that you set six months of the expenses of the emergency. But if you manage gradually, you gradually reach value for a year over time, do it. The Money Market Market Box or a high -return savings account is a smart and safe place to deceive these funds.

Read more: The best 4 places (and worse) to keep your emergency box

Do you have a question about retirement? Personal financial affairs? Anything related to a profession? Click here to drop Kerry Hannon Note.

Burin, Ireland - June 18, 2024: The slopes of Moher are the slopes of the sea on the southwest edge of the Burin area in Claire County, Ireland. They run for about 14 km
The slopes of Moher are the marine slopes on the southwestern edge of the Burin region in Claire County, Ireland. (Getty Creative) · Wirestock via Getty Images

Explore the world. I was not joking when I said to include travel expenses in your budget. In the summer that I graduated from the college, I made a month for a month to Europe.

I used the money I have provided from summer jobs and graduation examination from my father to buy my flight ticket and Erail Pass.

It was the naked journey line. I slept on the trains and was buried in the homes of youth and in the homes of family friends from Dublin to Paris to Venice, Colonia and London. I ate a lot of cheese and bread.

I went up to the top of the Eiffel Tower and sang with other international travelers who gathered at sunset at the Sacré-Cœur de Montmrtre steps. She stood silently in the ranks of the white crosses, which extended through the American Normandy Cemetery and the memorial above the Omaha Beach. I sat on the edge of Moher slopes in Ireland, listening to the waves of the Atlantic Ocean.

This 21 -year -old journey changed myself deeply. He gave me confidence and a feeling of surprise around the world and the kindness of strangers. Planting love to explore my comfort area.

Read more: The best travel credit cards for 2025

Your journey should not be a journey. It was not difficult to click on your weekend budget to places that were never, just a few hours from your home base.

You will get to know new places, but it will also reveal things about yourself, and I promise that I will make you a more blogger, curious, emotional-and possible new employee.

The return on investment: invaluable.

Kerry Hannon is a great column writer in Yahoo Financial. She is a professional strategic and retirement expert and authored 14 books, including next Retirement bites: Gen X guide to secure your financial future,In controlling 50+: How to succeed in the new work world? And “is ever become more rich.” Follow it Blues.

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2025-05-31 13:18:00

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