Graduating? Here's a guide to financial success

Congratulations, graduates! It's a new life after college, so as most of the working population say.
 Real “life” begins when you try to sail through the rough waters, looking for a job, planning a business or owning up to your financial obligations. It's a different kind of juggle that you’ve perhaps never thought of while studying for exams, organizing school events or planning for gimmicks.

Some of you may have not realized yet how hard work and discipline come into play when you start entering the corporate world. Filipinos are naturally caring and supportive of their children that it can be difficult for some to be financially independent early in life.

For new grads, developing a budget helps correct the allocation of money and postpone unnecessary expenses. Learning how to budget will help you get a long way once you are already an income earner.

Although expectations are quite high after graduation, it is important for you to always communicate with your parents or any family members regarding finances. Whether it's about financial obligations or investment, there will certainly be issues that will arise, and parents can always act as counsellors before things get out of hand.

You may also discuss with them if you need to contribute to housing and utility bills so that you can allot a percentage if need be. Try to communicate with them as well about your short-term and long-term financial goals so they can easily see where you’re coming from.

Are you planning a vacation in Palawan this summer? Do you want to buy your own car next year? Are you thinking about putting up your own business two or three years from now? Start listing down your personal goals so you may be able to plan where your monthly income will go.

Remember that you are not getting a job just so you can pamper yourself and frequent the mall for a shopping spree. Here’s a quick guide to help you start working with building your financial plan.


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