{"id":1576,"date":"2017-05-01T16:14:42","date_gmt":"2017-05-01T20:14:42","guid":{"rendered":"https:\/\/www.campusbooks.com\/blog\/?p=1576"},"modified":"2017-05-01T16:14:42","modified_gmt":"2017-05-01T20:14:42","slug":"financial_tips_recent_college_grads","status":"publish","type":"post","link":"https:\/\/www.campusbooks.com\/blog\/financial_tips_recent_college_grads\/","title":{"rendered":"The Best Financial Planning Tips For Recent College Grads"},"content":{"rendered":"<p>Graduating from college is a huge milestone in a person\u2019s life, but after the ceremony, what comes next? Planning for your financial future seems a daunting task when you\u2019re unsure where you\u2019re headed. Still, it\u2019s important to start preparing a little so you\u2019re not taken by surprise when unplanned events affect your finances.<\/p>\n<div class=\"getty embed image\" style=\"background-color: #fff; display: inline-block; font-family: 'Helvetica Neue',Helvetica,Arial,sans-serif; color: #a7a7a7; font-size: 11px; width: 100%; max-width: 509px;\">\n<div style=\"overflow: hidden; position: relative; height: 0; padding: 66.601179% 0 0 0; width: 100%;\"><iframe loading=\"lazy\" style=\"display: inline-block; position: absolute; top: 0; left: 0; width: 100%; height: 100%; margin: 0;\" src=\"\/\/embed.gettyimages.com\/embed\/504486970?et=-8w1oawDR8lnhErJp3FNgg&amp;tld=com&amp;viewMoreLink=on&amp;sig=qTZp227SmEQcjcZdKdRQGFbgGzQ4VXx7yfo7UhAqM08=\" width=\"509\" height=\"339\" frameborder=\"0\" scrolling=\"no\"><\/iframe><\/div>\n<p style=\"margin: 0;\">\n<\/div>\n<p>Whether you\u2019re thinking about saving to buy a home, to travel, or to put some money away for retirement, there are several things to think about. Before you feel overwhelmed, sit down and write out some financial goals and think of some ways you can achieve them realistically. Ask for advice from a parent or trusted family friend who has been in your shoes, then follow these tips on how to start planning.<\/p>\n<h3>Set Some Financial Goals<\/h3>\n<p>Write down what you want to achieve and research what it will take to get there. If you\u2019re ready to start your career, move out on your own, buy a home, or take some time off to travel, you need goals and plans. <a href=\"http:\/\/www.businessinsider.com\/small-lifestyle-habits-to-save-more-money-2017-1\" target=\"_blank\">Start small<\/a> on your list of goals. For instance, if you\u2019re looking to buy a home, give yourself a timeline in which to save money and begin looking for the right neighborhood. Remember not to be too hard on yourself. Life is full of changes and setbacks, so keep the financial goals flexible and realistic for now.<\/p>\n<h3>Start Saving Money<\/h3>\n<p>No matter what your goals are, it\u2019s a good idea to start saving money now. Life is expensive and you\u2019ll want to be prepared for whatever it throws at you. Get creative and think of little ways you can save cash that won\u2019t affect your daily life too much; for instance, ask a coworker if they\u2019re willing to take turns carpooling, take your lunch to work rather than eating out, and make sure your apartment or home is energy-efficient to save on your utility bills. You could also <a href=\"http:\/\/www.cnbc.com\/2015\/04\/23\/here-are-20-easy-ways-to-save-some-money-every-day.html\" target=\"_blank\">cut out cable TV<\/a> since there are so many inexpensive choices these days for watching shows and movies.<\/p>\n<h3>Help Others Help You Save<\/h3>\n<p>See if your <a href=\"https:\/\/bettermoneyhabits.bankofamerica.com\/en\/saving-budgeting\/ways-to-save-money\" target=\"_blank\">employer<\/a> will take a certain amount of money out of your paycheck automatically to put toward a 401K plan; this way, saving a little every payday is much easier, and since it\u2019s taken right out of your check, you won\u2019t even miss it. If you\u2019re a freelancer who gets a <a href=\"https:\/\/www.1099-etc.com\/\" target=\"_blank\">1099<\/a>, you\u2019ll more than likely have to find your own plan and be responsible for setting aside some money each week on your own. You can also download an app for your bank onto your phone so you can keep track of the balance in your checking and savings account and transfer amounts as needed.<\/p>\n<h3>Manage Your Credit Wisely<\/h3>\n<p>You may think you already know how to take care of your credit but it\u2019s very easy to let it spiral out of control when you\u2019re a recent college grad. Paying off student loans, financing a car or home, and buying furniture for a new place can all run up a credit-card bill and keep you in debt. When possible, save up for big purchases and don\u2019t be seduced by the discount offered on your purchase when you open up a new account or credit line. If you do have to use a card, pay off the balance as soon as possible to avoid paying high interest rates.<\/p>\n<p>Planning for a sound financial future can be an overwhelming task, so start small and ask for help from friends and family when you feel like you\u2019re in over your head.<\/p>\n<p><em>Guest post by Lawrence Mager, <a href=\"http:\/\/readybrain.net\" target=\"_blank\">ReadyBrain.net<\/a>.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Graduating from college is a huge milestone in a person\u2019s life, but after the ceremony, what comes next? Planning for your financial future seems a daunting task when you\u2019re unsure where you\u2019re headed. Still, it\u2019s important to start preparing a little so you\u2019re not taken by surprise when unplanned events affect your finances. Whether you\u2019re [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"amp_status":""},"categories":[1],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v14.0.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Financial Planning Tips For Recent College Grads - CampusBooks Blog<\/title>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<meta name=\"googlebot\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta name=\"bingbot\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.campusbooks.com\/blog\/financial_tips_recent_college_grads\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Best Financial Planning Tips For Recent College Grads - CampusBooks Blog\" \/>\n<meta property=\"og:description\" content=\"Graduating from college is a huge milestone in a person\u2019s life, but after the ceremony, what comes next? Planning for your financial future seems a daunting task when you\u2019re unsure where you\u2019re headed. Still, it\u2019s important to start preparing a little so you\u2019re not taken by surprise when unplanned events affect your finances. 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