If you are a new graduate, congratulations! Everything you've worked for during your college career has come to fruition. If you thought college was fun, this next chapter has the potential to be way more fun. You can stop doing homework, at least for a little while, and actually relax at night and on weekends (and be able to pay for it!). I graduated college several years ago and, in looking back, wished I knew then what I know now about personal finances and money. I've distilled these ideas into the seven tips you see below. None of them are difficult to do, they're just difficult to remember. If you can do all of these tips you'll be ahead of the curve.
Set It and Forget It Retirement
When you start your new job, the last thing on your mind is what you'll be doing when you retire in forty years. However, what you do now will pay big dividends in forty years so be sure to take advantage of the retirement options you have.
Contribute to a 401(k) or 403(b) retirement plan if you can, especially if your employer offers to match a percentage of your contribution. Contribute to a Roth IRA to the maximum every year you can because, hopefully, eventually you will earn too much to contribute and you'll want to take advantage of tax-free growth while you can.
Need proof of this: If you contribute only $100 a month and it appreciates at 10% a year for forty years, you'll end up with over $632,000. Set it and forget it.
Seek Mentors
Find people who know more about the world than you do and learn as much as you can. One of the greatest lessons you can know as a young person is that you don't know a damn thing. All the greats always credit the ones who came before them, the giants' whose shoulders they stood on - find your giants.
Continue Learning
You may have just graduated college but don't stop learning. If your new employer offers education reimbursement, use it and use it as quickly as you can. Education reimbursement is like getting a raise in your salary. And, when you've completed yet another degree, you'll be able to command more in the marketplace for your skills and knowledge. All that costs you is time and effort.
Always Be Networking
Networking is really the fancy term for making new friends. Find opportunities to meet new people by participating in as many things as you can. Join local groups interested in what you like, attend work functions (especially if they're geared towards new employees), and actively participate in local charities or philanthropic groups. Friends give life richness, make as many as you can.
Pay Off Debts
If you have any credit card debts from your freewheeling college years, begin paying those off in earnest. Credit card debt is a weight that will hold you back from your dreams as long as you let it. Your dream isn't to sell your future so you can have fancy new clothes or glittery new electronics, your dream is to make a good life for yourself and the ones you care for. Credit card debt, and other debts, are holding you back so get rid of those 20% a year interest rate behemoths as soon as possible.
Keep Rent Low
When you move to a new place, don't immediately go for the swanky new apartment. You just spent the last four years living in college dorms or off-campus housing, hardly Ritz-Carltons, so don't go locking yourself into high rents for the next year. If you keep your rent low, you can save more and spend more on other, more important, things (like paying off debts).
Enjoy Life, Have Fun!
I went to an engineering school where a lot of people spent a lot of their time hitting the books. I had my fair share of fun but there comes a time when you need to start enjoying life and not focus 100% on work. Remember work-life balance. You can burn the candle at both ends in college because it was only four years, you may be working for forty... your candle isn't as long as you think. Work hard, but remember to play as well or you'll end up miserable.
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范文 1
Getting to Know the World Outside the Campus
It is necessary for college students to know the world outside the campus. This is because in this "Information Age" the society is developing so fast that we should keep pace with the progress of the outside world. Therefore, without knowledge of the outside world, it will be difficult for us to ensure an ideal job after graduation; it will be more difficult for us to succeed in the fierce competition.
How to know the outside world? First of all, we should be well-informed about what is happening around us with the help of mass media:radios, televisions, newspapers, the Internet, and so on.Moreover, we should do some practical social services so as to cultivate our social skills, widen our horizon and enrich our social experience.
As for me, I plan to know the outside world in two ways. I am going to do a part-time job in this summer vocation.In addition, I hold the idea that getting knowledge from books is a better method to know the outside world.
范文 2
Getting to Know the World Outside the Campus
Most Chinese students go to college with the idea that they can obtain sufficient knowledge and ability in the "Ivory Tower" so long as they work hard, while the fact is, it is far from enough. Studying without knowing the world outside the campus will make the study of the book knowledge itself aimless. Therefore, we may surely find it hard to adapt ourselves to the society when we graduate. So it's absolutely necessary for college students to learn about the society.
There are various ways to do so.We may positively get to know the society by taking part in social services, such as being a tutor or working part-time in a company; we may travel around and see the nation during holidays with financial support; or we may be well-informed of what is on in the outside world without stepping out of the campus with the help of mass media.
Since knowledge and experience weigh equally to me, my plan is to concentrate on my study during the semester, getting to know the world mainly by reading newspapers or watching TV; while I'll take a part-time job to support my traveling around the country during the holidays.
范文三
Getting to Know the World outside the Campus
With the rapid development of our society, the campus is no longer an "Ivory Tower". Students must get in touch with the world outside the campus so that they can adapt themselves to society more quickly when they graduate.
Almost all students keep themselves informed by TV, radio broadcasts and newspapers. Some of them even take up a part-time job in their spare time. Working as tutors, serving in some fast-food restaurants… All these have kept students in touch with society.
Now the summer vacation will come and I've already found myself a job－working as a typist in an office. I've learned typing for many years and I think I can do it well. It's a good chance for me to get to know society, to learn how to get along with my colleagues and to see how my knowledge is put into practise. When the next semester begins, I'll still try to get this kind of little job. Regardless of the pay, I think the most important thing is that I can really know a lot about society.
Getting to Know the World outside the Campus
It is necessary for college students to know the world outside the campus. This is because in this “Information Age” the society is developing so fast that we should keep pace with the progress of the outside world. Therefore, without knowledge of the outside world, it will be difficult for us to secure an ideal job after graduation; it will be more difficult for us to succeed in the near future.
How to know the outside world? First of all, we should be well informed about what is happening around us with the help of mass media: radios, televisions, newspapers, the Internet, and so on. Moreover, we should do more practical social services so as to cultivate our social skills, widen our eyesight and enrich our social experience.
As for me, I plan to know the outside world in two aspects: study first to have a good command of knowledge. At the same time, I intend to hold a temporary job to know more about the outside world. Getting to Know the World outside the Campus.
2.
With the rapid development of society, it is essential for college students to get to know the world outside the campus. There are varieties of reasons why we should do that. The primary cause is that we can extend the horizon of knowledge. Nowadays, our knowledge is mostly derived from books, which is really limited. Only through the society will we learn more. Second, it will enable us to be more sophisticated after graduation. Finally, knowing the world outside the campus may make us full of the sense of duty and help us make great achievements in the future.
There are many ways to know the outside world. You can watch TV, read newspapers and listen to radio, through which you can know more about the outside world. So cial practice can also help you keep in touch with workers and farmers. You can take a temporary job, such as a tutor, a part-time salesman, a waiter or waitress to get some experience in the society.
As a college student in the modern age, I should find ways of getting myself out of the ivory tower and into the real world. I should learn the society, learn practical knowl edge and the ability to serve the country.
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