7 Smart Financial Moves to Make After You Land Your First Job

7 Smart Financial Moves to Make After You Land Your First Job After countless hours of preparation and rocking multiple interviews, you receive the glorious news that youve been hired at the company youve had your heart set on since you first discovered the job posting. Landing your first job brings a flood of excitement and elation but also a lot of worries and anxiety about whether or bedrngnis youre doing things right. Besides the stress of fitting in with your new team and learning the ins and outs of your new job, theres the financial aspect of learning how to plan for your future. So, what do you do now that youve got your first salary all lined up? Definitely dont make the mistakes I made. Instead, follow unterstellung financially-savvy next steps.1. Negotiate your salary.You might be reading this and thinking Negotiate my salary? For my first job?Absolutely. While interviewing for a position, do your homework and research similar positions in the surrounding area to see what the usual pay range is. Keep in mind that you should be realistic, and shouldnt necessarily shoot for the high end of the range. However, you can respectfully present the data to the hiring manager, and ask if there is any room for negotiation, given that you have x, y, and z skills from the internships you have completed (again, youll need data and valid reasons on why you deserve the pay bump, so be prepared). Also, keep in mind that the employer may not budge on their offer, but you can use this discussion to talk about performance expectations. Nailing those will help get you there for your next review. Check out this article for a complete how-to negotiate your salary.2. Learn about and actually use your companys benefits.I know, I know the employer handbook and benefits package is a lot to absorb. But I promise its worth it. Ive been at my current company for over 2 years, and just discovered my company offers a benefit which has an advocate call my insurance company to deal with and negotiate my medical bills on my behalf. I detest spending time doing that myself, and could have saved myself lots of time had I taken the time to read through the leaflet they gave me. Plus, other perks such as commuter benefits equal tax savings. Obviously, benefits differ by company. But the point is that you could be leaving free money (and time) on the table by not getting up to speed on what your company offers.3. Contribute to your employer-sponsored retirement account, and meet the match (if one is offered).To piggyback on the point above, use and prioritize your employer-sponsored retirement account. The best retirement savings advice is to start as early as you possibly can. There are a number of articles out there that illustrate the power of compound interest, but heres one that shows the difference between two savers one who starts at 25, and another who starts a mere ten years later. And if there is an employer match, contribute at least enough to meet it. Yo ure literally throwing away free money if you dont.4. Create a budget and plan for your future.Once you know what your paycheck will be, write down the money coming in, as well as monthly and annual expenses that you can track. Then, think about the goals you want to reach in the next five to 10 years. Do you want to travel, buy a house, get married, or have a baby? Create an action plan on how youre going to save for and achieve these financial milestones. There are tons of apps to help you get started, like You Need a Budget (YNAB) and Mint.5. Pay yourself first automate those payments to your savings account.If you dont already have one, create an emergency fund (you can choose an online high yield savings account, there are quite a few currently offering 2% interest or mora). Youre never going to know when an inconvenient flat tire or other emergency can happen, so better to be prepared. Set up the account so that every time you get paid, it automatically deposits a set amount. Experts recommend 3-6 months of expenses in case of job loss or other emergencies (because when it rains, it pours). Additionally, you can set up savings for other short and long term goals as well like that vacation you want to go on or the house youre hoping to buy in a few years. Youd be surprised how fast savings build when you set it and forget it.6. Make a plan to pay off student loans and other debt.After you have your emergency fund situated, focus on the outstanding loans or consumer debt you have. There are different methods for paying them down the Snowball method focuses on paying off the smallest balances first, thereby eliminating a balance and giving you a sense of achievement. The Avalanche method focuses instead on your highest interest debt first (regardless of balance), saving you more money in the end. Ultimately, whichever method works best for you is all that matters as you work to eliminate your debt and make your money work for you.7. Meal prep your meals an d take your lunch to work.Possibly the most underrated way to save money is to take your lunch to work every day (and if you cant do everyday, most days). Its easy to drop $10 or more on lunch, which really adds up over time. If you can try to limit eating out to once per week (or less if you really have the motivation and willpower), youll be saving lots of cash that you can put towards debt or your emergency savings.Youre making real money now, and you can spend it any way you want. Thats exciting. Sometimes it takes real willpower to remember that you dont want to end up like Carrie from Sex and the City (with $40k of shoes and nowhere to live). Extreme example? Sure. Just remember that future you deserves the best, and by making these smart money moves youll be a step ahead.

The Resume Writing Tips Linkedin Cover Up

The Resume Writing Tips Linkedin Cover Up The Lost Secret of Resume Writing Tips Linkedin The existing U.S. professional standards do not require that you include things like a photo on your resume. The job, the geschftsleben, and the institution proved not the proper fit for me. Our services are supplied by professional resume writers experienced preparing resumes for a huge collection of industries, sectors and career locations. Make the most of our resume expertise in a huge collection of career and employment locations. You can boost your Linkedin profile by yourself. If you are searching for a work change then, Linkedin profile is among the most crucial places where you must dominate. While regular resumes might have a certain way in which theyre written LinkedIn resumes have to be written in line with the specifications of the website. In that case, then every facet of your game has to be razor sharpespecially your resume. Make sure the keyaber sichers that you dec ide to write are in sync with the job which youre applying for. You should make it exquisitely clear in the summary that you have what it requires to find the business done. Theres an abundance ofdifferent kinds of resumes and it can be hard to pick. The Appeal of Resume Writing Tips Linkedin When you would like to apply to jobs that you find, you will be able to attach a resume with the work application. Your resume provides employers with the simple information they will need to realize that you have what it requires to land that job. Recruiters will figure out if it isnt. Although hoping for recruiters to create contact could work in some scenarios, it may also turn off busy recruiters or possible clients who need to observe a resume promptly. It is imperative to give information regarding strong LinkedIn networks. Bear in mind it is possible to get carried away and make your LinkedIn resume too long to work, so make an effort not to get too wordy. LinkedIn is a huge c hance to get out there. After you are in possession of a polished and proofread resume, youre discover that uploading resume to LinkedIn is quite simple. Choosing Resume Writing Tips Linkedin Is Simple With a suitable strategy, your LinkedIn resume will become your company card, greatly boosting your likelihood of being noticed. By comparison, a photo is necessary for an optimized LinkedIn resume. There are plenty of websites with tips around the internet, but most bring just a small number of them. Use these suggestions to optimize your opportunities to grow the network Finding the Best Resume Writing Tips Linkedin Know the purpose of your resume Some folks write a resume like the intention of the document was supposed to land work. Same is true for the word outcomes. Its possible to communicate you have the most suitable experience utilizing challenge, action, result statements. The majority of the times your prior work experience will be the absolute most significant pa rt the resume, so put it at the top. What the In-Crowd Wont Tell You About Resume Writing Tips Linkedin You may have a foundational resume that compellingly articulates the most essential info, states Heifetz, but you need to alter it for each opportunity. IT resume writing services are available, you can get in touch with Resume Writer Direct if you would like to examine your wants. By preparing your resume first, then youll have a better feeling of what information to highlight in your resume, dependent on the business or job description. In case you have expertise with a particular sort of software, for instance, include it in the experience section. Prepare Your Resume FirstIt is better to prepare your cover letter after youve prepared your resume. Contact information first List your contact information at the very top, therefore its no problem to find. You should also have relevant key phrases to turn into visible in the LinkedIn search and regularly update your profi le to keep up with the newest trends. Ensure you write your complete name, address, contact number, email address along with a hyperlink to your LinkedIn profile or skilled websiteif you have them. Set the keywords at the very top of your resume. Dont just incorporate the URL.