You're Graduating... Now What?

YOU'RE BRADUATING NOW WHAT "You have brains in your head. You have feet in your shoes, You can steer your- self any direction you choose. You're on your own. And you know whnt you know. And YOU are the one who'll decide where to go." Dr. Seuss, Oh, the Places You'll Go! Your ropAmay To life Afer colige Peyut prek wdwy as t good ice. Aula the nlaetat y dtige y tties A Th T tac LIFE Brought to you by mint Quicken AFTER COLLEGE: the COMPLETE GUIDE to GETTING WHAT YOU WANT and Jenny Blake of LifeAfterCollege.org Based on the book, Life After College: The Complete Guide to Getting What You Want JENNY SLAKE Carcer Monty See below "Monoy' Home Do you haye aplhce to live? See below "Home" YES! NICE WORK! NO! 6 Canyonymove back inwithyour pagents witil yon Tigure it aut? A handy rule of thumb is to keep your rent at or below asof your monthly income. Manhattan, Brooklyn, and Queena are among the top frve most expensive citier nationwide. Other expensive American cities are Honolulu, San Franctsco, and Stamford The least expensive hail mainly from Texas and Oklahoma. According to a poll conducted by T o ing Inc. 85% inow move home after graduation. YES, if they'll have me UGH!. Only If I Have to 1.6rownd rules ABCOF Agree on important finan- cial ground rules: Will you be expected to will not be reporting your pay rent? What other bills will you probbly best to make sure they help to pay (ie. groceries, utilities)? 3Allgrown ng X. Remind them you are not in high school any more and 4. Mindyaur manners Be a good roommate - keep things neat and help out around the house whenever possible. whereabouts at all times or keeping a curfew. That said, it's 1. Tanget date are okay with this.after all, it is their house and you're just a guest no 5btourias Set a target move out date so that none of you wind up going crazy. Be friendly! You're an adult now - this is a great opportunity to get to know your parents (and hopefully enjoy a few home-cooked meals). NO {cant maye backin with my parents it'sgo time: 3-Akyaur network Email your network to see if anyone knows of any openings for a roommate. 1. Set aside an haur Set aside at least one hour a day to scour Craigslist for apartment listings. 1. Be a stong competitor If you are looking in a competitive market, consider putting together a "Why Td Make a Great Tenant/Roommate Packet" that includes letters of recommendation, copies of your credit report, and a generic rental application. Make sure your credit report is updated and accurate 4. Travel break When all else fails, consider a travel break! You're homeless anyway now might be a great time to see the world! Money Do you haye your finantial life th order? Yes! No! No! I'm a personal finance geek and I'm going to be a millionaire by the time I'm 30. Obviously. but I really need to get things figured out... Ignorance is bliss, babyt Hmmmony hack in have your parents. Better to go this route instead. N until yo th Condycta. state of the union SFSEEEO Credit report If you haven't already, request t report from AnnualCreditReport.com. student loans New bills Will you be taking on any new bills ( ties at one credit card, and people aged 18 to 24 who have credit card 91% of undergraduates have at you didn't have in e used or that your Do you have outstanding student loans? If so, can you consolidate them? debt spend nearly 30N of their monthly income just on debt repayment. Since 1978, the cost of college tultion in the United States has gone up by over 900 percent. Approximately two-thirds of all college students graduate with student loans, averaging at least $25,000. Do ygn have any credit card debe? NO! Congrati! You're a ROCK STAR Yes! Unfortunately, you're not alone: The average undergrad car ries $3173 in eredit card debe. The average college senior will graduate with $4.100 in credit card debt, up 41s from the same study conducted in 2004. Six steps to ditch your debt: 1. Face the facty 4. Generate income Make sure you are paying your balance in full each month Then again, you're already a pro at that! Figure out exactly how much you owe. Additional sources of income- tutor ing, babysitting barista-ing - every little bit counts! 2. Priontize your debt: çlay youselfhack Either by "quie- est win" (the credit card that's easiest to pay off) or by the highest interest rate. Replenish your savings and emergency accounts as soon as possible after paying off your debt. CARD 3. Cuthack to ejentialy 4. Reflect For at least two weeks. Think about what you've leamed how can you avoid bad debt in the future? 4276 23SS 8941 5019 Create a Four-Step Bulget Determine your monthly inflow, outflow and allowance with this handy 4-step process: 2. Ontgcing musthavs 4. Allowance This includes expenses like rent, groceries, utilities, insurance, gas, savings (yes, savings are a must-have!). 1. Incoming 3,0ntgoing- Identify how much incoming money you expect each p (take home pay from your paycheck/s and any of income). ne-to-haveg This includes expenses that you purchase regu larly but could do with out, including restau- s shopping, Star Add Steps 2 and 3 together and sub- tract the amount from Step 1 to get your total monthly discretionary spend- ing allowance. I sources bucks, etc. Create a p lan for STAYING ON TOP OF THINGS Create a mint account! 1.Addyour alcomnts 1. Werkly nodates Add all of your various financial institutions, credit cards, assets, and personal loans. Sign-up for the Weekly Summary emails to track your spending 3. gdinal Optional: Set-upa sav ings goal, budget for each category, and/or down- load the mobile app. Bonus Actions!: 1.Emergancy Fund 1 Rirementfund 3.Seta Renard beal Start an Emergency Fund savings account; set-up automatic monthly deposits from your main checking account, even if it's just $50 each month to start. Start contributing to a retirement fund by auto- matically deducting your contribution each month. If your company offers a 401(k) sialPlan, opt in, espe a one year savings SAard goal in Mint- this could be for a vacation, a big purchase, or any other "life checklist" item. It will feel great to have eamed your reward rather than purechasing it on credit. Plus, it will help you build a strong savings habit with a goal that's much closer than retirement. match contri- butions. That's free money! 3) Career Do you have a job lined uo? Yer! No! ANICIAHH! Sweet-. Congratalations! EEEK! EEEK AUGH! EEEK! According to the National Associa tion of Colleges and Employers, the average starting salary for a college graduate is $5a034. This figure depends on the field a grad enters: those with business majors on average $44,000 and liberal art majors will earn a starting average of $35.00. Just kizAng. The forecast is looking good em- ployers plan to hire 193% more recent graduates this year than last year. The toppaying major for the class of 201 was chemical engineering, han average starting salary of $66,886. The accounting services indus try has the most projected job openinga for this year. will eam Do you kunow whatjob fieldintersts you? Yij! JOB LISTINGS No! bettoknow yourelf Networkbreadeast Send an email to your network briefly describing: IWhat type of role you are looking for What size and type of company most interests you (start-up versus corporate) IA brief description of your core skills and strengths. I Schedule at least three informal interviews in the next two weeks with people in careers or jobs that might interest you. Make sure them a thank-you note (prefera hand-written) afterward! IA link to your resume if possible (and/or social media profiles, including Linkcedin). I Take the MyersBriggs Type Indicator test (MyersBriggs.org) and research careers that fit your personality type, IAsk them to keep their eyes and ears open and to pass your information along to their networks. Bonus: Schedule at least three informal interviews in the next two weeks with people in careers or jobs that interest you. Make sure you send them a thank- you note (preferably hand-written) afterward! I Take the Strengthsfindera.0 test to identify your top five strengths (Strengthsfindezcom) These also provide great resume lan- guage for a cover letter and/or "sum- mary of qualifications" section State U Create a Pasians Mind Map This is based on an exercise from Idea-Sandbox.com. Here's how to create your own mind- map: Write the word "Passions" in the center of a piece of paper-draw spokes and secondary circles for all of our interests, even if they are not work related. For each interest, draw tertiary spokes describing why you wrote it down. After you've filled the page, identify 5-6 common themes. These are core values that you can use to guide your search Share Useful Info Learn Inpiring Grow New deas othert kills Writine Depth Coaching) Teaching Leadership Helping other Inspire Trich Benilding a Bafinest Ownership Workshops ClAser Learning Norksheets Entrepreneur Creativity Self-help Reading Non-fiction Income Credentinls Passions Experation Cnlture Bajeball Sports Toga Travel Suytbe Relax Mind/Body Wellnes Richness Experience UCLA Foothall NFL Nice Restanranty Confidence Smpport) Family Clejeness Fitness vitality Eating Flaver Remning Indulgence (Leve Soy „Now that youknow the basie. Social ie O Health& Fitnes OJust For Fun Social Life Do yon have friend in the area? October Ctober Octobre Ottobre Octub October Ot Octobre Ottobre Octubre Yes! No! BUT I WISH I DID! 60 10 TAMMASSIVELY POPULAR! 13 1. Meetand Greet 11 Many people find that making friends after college is harder than dating! Here 14 are some categories to help you brainstorm ways you could meet people (through some high-tech trial and error): sports activities/ teams/clubs, online activities (check out MeetUp.org). networking or alumni groups, volunteer organizationa community college classes and online dating - hey, it's worth trying at least once! Great! 15 Meetup 16 Tiợ: Họợta potunck Consider organizing a bi-weekly or monthly pothuck reqularly keep in touch with everyone Why leave the haije to joyalige when Facebook y one Short click away? Combine exercise with. your catch-ups with friends, Twn ét e one stone, baby! SATURDAY At the time of this infographic writ- ing. Facebook has more than 800 million active uners. The average tuner has 130 friends and is a member of 80 groups AY THRSDAY FRDAY 38x of college atudents said that they without phone, tablet, ore-reader. more than 10 minutes could not eng their laptop, smart- Bottem line. aood for your health to put down your 13 14 15 16 I's 20 21 22 23 from time to time and interact with people in real life_a novel concept, I know! 8 19 25 26 27 28 29 30 Health & Fitnes Doyan have an exerije rontine un place? April Club No! Yej! Tume to getmoving! Makeaplan Rock on with Exercise is as important for your mood as it is for your health. Take some time to examine your fitness preferences: morgengrachy commit to working out at least four days this week. Better yet: rope a friend into doing it with you so that you can hold each other accountable. Decide on a fun reward for when you complete your goal. And maybe not a reward that involves cupcakes, donuts, or bon bons, but hey -if it gets you moving that's a start! your bad jelf More than half of college graduates have a regular exercise routine. Regular exercise is defined by the CDC ar logging ar least 30 minutes a day of moderate intensity activity c more daye a week, or at least 20 minutes a day of vigorous intensity activity on 3or more days a Or both! Would you rather join a gym or work- out outeide? 1. Time of day Do you prefer to workout in the mor- ing, mid-day, or evening? Regardless of your ick to your n are you most utine? or 5 or a week 3. Solo or enfemble Would you rather work out alone, with with a trainer, or with a group a friend class? If it's a group class, what are e fun or interesting classes you Could take? (Zumba, yoga, spin, etc.) What physical and/or outdoor activi- ties do you enjoy? (Waking swim- biling hiking rock e ming etc.) ししい running Just for Fuh vid detail, whtingt w close you cau ribe you ating it tense. N wour ideal day in Life heklist Make a list of activities happy. If Go-to Activitis get to that make you h you're in a new city, make a Make a life checklist of 100 things you want to do (places to travel skills to learn, people to meet, etc). list of things you'd like to make a list of do or try. Altemately (or in help you at will addition hat w relax and unwind after a long day or we Stretchyowstef Get a Big Hairy Åudacious Goal that feels almost impossible and will chal- lenge you to grow in big fuliling and uok ways (running a 2 r full-marathon, going shark diving, ler the circus Mad hib Tume! Fill in the blanks: I am happiest when I l am most "in the zone" when l: new language, w KJoinaat last one sort of) What I really want in life is: IThe biggest step I could take toward getting that would ber Life after college is The most important thing for me to remember as I move forward is gelling ahead is gelling started. "The secret of -Mark Twain Broghtyanby Mint, Quicken and Jenny Blake of LifeAfterCollege.org. mint Quicken Ape hat pe r tetes Excerpted from the book Life After College: the Complete Guide to Getting What You Want LIFE AFTER COLLEGE the COMPLETE GUIDE GETTING WHAT YOU WANT Soures: JENNY BLAKE http://lifeaftercollege.org/ infographic-sources/ 12 ই