{"id":6396,"date":"2023-03-08T13:02:02","date_gmt":"2023-03-08T18:02:02","guid":{"rendered":"https:\/\/jobbinghood.com\/magazine\/2023\/03\/01\/graduating-soon-tips-to-help-you-plan-for-your-financial-future-now\/"},"modified":"2023-03-08T13:02:04","modified_gmt":"2023-03-08T18:02:04","slug":"graduating-soon-tips-to-help-you-plan-for-your-financial-future-now","status":"publish","type":"post","link":"https:\/\/jobbinghood.com\/magazine\/2023\/03\/08\/graduating-soon-tips-to-help-you-plan-for-your-financial-future-now\/","title":{"rendered":"Graduating Soon? Tips to Help You Plan for Your Financial Future Now!"},"content":{"rendered":"<p><span>Graduating Soon? Tips to Help You Plan for Your Financial Future Now! <\/span><\/p>\n<div class=\"full-blog-body\"><!-- START TWITTER CARD --><!-- END TWITTER CARD --><\/p>\n<p><strong><a href=\"https:\/\/blog.dol.gov\/2023\/02\/28\/graduating-soon-tips-to-help-you-plan-for-your-financial-future-now#:~:text=Saving%E2%80%9D%20worksheet.-,%C2%BFTe,-grad%C3%BAas%20pronto%3F%20Aqu%C3%AD\" target=\"_blank\" rel=\"noopener\">En Espa\u00f1ol<\/a><\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" alt=\"Six graduates taking a selfie while wearing their black graduation robes and hats\" data-entity-type=\"file\" data-entity-uuid=\"07ba7bcc-343f-4352-8727-94ed94a77378\" height=\"463\" src=\"http:\/\/blog.dol.gov\/sites\/default\/files\/inline-images\/EBSA%20Blog%20Photo.jpg\" width=\"693\" loading=\"lazy\" \/><\/p>\n<p>Are you a college senior? Starting your first job soon? This is an exciting time in your life and a good time to start planning for your financial future. During this America Saves Week, learn about some of the basic financial responsibilities you\u2019ll have and tips to help you handle them successfully\/plan for them.<\/p>\n<h4>To help you get started, here are some tips so you\u2019re ready to act when you begin that new job:\u00a0<\/h4>\n<ul role=\"list\">\n<li><strong>Manage your debt, including student loans<\/strong> \u2013Many college graduates start their careers with student loans. Learn now about the student loan repayment process and what you need to do. The <a href=\"https:\/\/studentaid.gov\/manage-loans\/repayment\" rel=\"noreferrer noopener\" target=\"_blank\">Department of Education<\/a> has information to help you.\u00a0<\/li>\n<\/ul>\n<ul role=\"list\">\n<li><strong>Create and follow a budget <\/strong>\u2013 There\u2019s one simple trick for saving for any goal: spend less than you earn. While that may not be easy when you\u2019ve just started your job, you can start by making a budget, or spending plan. It will help you see where your money goes and where money can be saved. Create one on your own or use our interactive \u201cCash Flow Spending Plan\u201d <a href=\"https:\/\/www.askebsa.dol.gov\/SavingsFitness\/Worksheets\" rel=\"noreferrer noopener\" target=\"_blank\">worksheet<\/a> to help you with the process.\u00a0\u00a0<\/li>\n<\/ul>\n<ul role=\"list\">\n<li><strong>Take advantage of employee benefits at your new job<\/strong> \u2013 Your new employer may offer health insurance, a retirement savings plan, or other employee benefits. Be sure to read the information you receive and consider your benefits choices wisely. If your job offers a retirement plan like a 401(k) or 403(b), join as soon as you can. Employment-based retirement plans are one of the most effective ways to save for your retirement and starting early helps you get time on your side. \u00a0<a href=\"https:\/\/www.dol.gov\/agencies\/ebsa\/about-ebsa\/our-activities\/resource-center\/publications\/what-you-should-know-about-your-retirement-plan\" rel=\"noreferrer noopener\" target=\"_blank\">Find out how the plan works<\/a> and what decisions you\u2019ll have to make.\u00a0<\/li>\n<\/ul>\n<ul role=\"list\">\n<li><strong>Manage your credit and understand your credit scores<\/strong> \u2013 Having good credit can help you achieve your financial goals \u2013 but misuse of credit or credit cards can make this tough, so learn how to avoid that now. Get your <a href=\"https:\/\/www.annualcreditreport.com\/\" rel=\"noreferrer noopener\" target=\"_blank\">free credit reports<\/a> and review them regularly \u2013 it&#8217;s important to understand the information that\u2019s included and get any errors corrected. Check out the Federal Trade Commission for <a href=\"https:\/\/consumer.ftc.gov\/credit-loans-and-debt\/credit-and-debt\" rel=\"noreferrer noopener\" target=\"_blank\">information<\/a> on credit and how credit scores impact your financial plans.<\/li>\n<\/ul>\n<ul role=\"list\">\n<li><strong>Build an emergency savings fund<\/strong> \u2013 Life has a way of throwing unexpected financial roadblocks, detours and potholes in our path.\u00a0 These can derail your efforts toward your financial goals. One strategy is to build an emergency savings fund so you don\u2019t have to dip into other savings and are ready to handle emergencies when they happen. Putting money aside for this can be tough if income is tight, but every extra dollar helps. You can learn more about <a href=\"https:\/\/americasaves.org\/what-to-save-for\/?goal=emergency-fund\" rel=\"noreferrer noopener\" target=\"_blank\">building an emergency fund<\/a> from America Saves.<\/li>\n<\/ul>\n<ul role=\"list\">\n<li><strong>Save for your financial goals<\/strong> \u2013 When you identify your financial goals, consider what you need to make them happen. \u00a0This includes how much you need to save and how long that might take. \u00a0Be sure to make saving for retirement one of these goals! The more years you have to retirement, the less you have to save every month. \u00a0Learn more about <a href=\"https:\/\/www.dol.gov\/sites\/dolgov\/files\/EBSA\/about-ebsa\/our-activities\/resource-center\/publications\/top-10-ways-to-prepare-for-retirement.pdf\" rel=\"noreferrer noopener\" target=\"_blank\">saving for retirement<\/a>. If you need help figuring out how much you should be saving for this goal, check out our interactive <a href=\"https:\/\/www.askebsa.dol.gov\/SavingsFitness\/Worksheets\" rel=\"noreferrer noopener\" target=\"_blank\">\u201cRetirement Saving\u201d worksheet<\/a>. \u00a0 \u00a0<\/li>\n<\/ul>\n<hr \/>\n<p>\u00bfTe grad\u00faas pronto? Aqu\u00ed tienes consejos para que planees ya tu futuro financiero<\/p>\n<p>Por: Lisa M. Gomez \u2022 February 28, 2023<\/p>\n<p>\u00bfEst\u00e1s en el \u00faltimo a\u00f1o de la universidad? \u00bfEmpezar\u00e1s pronto tu primer trabajo? Este es un periodo realmente emocionante en tu vida y es un buen momento para comenzar a planificar tu futuro financiero. Durante esta Semana Am\u00e9rica Ahorra, aprende algunas de las responsabilidades financieras b\u00e1sicas que tendr\u00e1s y lee estos consejos para ayudarte a manejarlas y planificarlas con \u00e9xito.<\/p>\n<p>Para ayudarte, aqu\u00ed van algunas recomendaciones para que est\u00e9s preparado:<\/p>\n<ul>\n<li><strong>Administra tu deuda, incluidos cr\u00e9ditos estudiantile<\/strong>s<span lang=\"ES-CO\" style=\"font-size:10.5pt\"><span> &#8211; Muchos graduados universitarios comienzan sus carreras con pr\u00e9stamos estudiantiles. Conoce el proceso de pago de estos pr\u00e9stamos y lo que debes hacer. El <\/span><\/span><span style=\"color:black\"><a href=\"https:\/\/studentaid.gov\/manage-loans\/repayment\" target=\"_blank\" rel=\"noopener\"><span lang=\"ES-CO\" style=\"font-size:10.5pt\"><span><span style=\"color:#0071bc\"><span style=\"text-decoration:none\"><span>Departamento de Educaci\u00f3n<\/span><\/span><\/span><\/span><\/span><\/a><\/span><span lang=\"ES-CO\" style=\"font-size:10.5pt\"><span>\u00a0 tiene informaci\u00f3n para ayudarte.<\/span><\/span><\/li>\n<li><strong>Prepara y aj\u00fastate a un presupuesto<\/strong><span lang=\"ES-CO\" style=\"font-size:10.5pt\"><span> &#8211; Hay un sencillo truco para ahorrar para cualquier objetivo: gasta menos de lo que ganas. Si bien eso puede no ser tan f\u00e1cil cuando acabas de comenzar tu trabajo, s\u00ed que puedes hacer un presupuesto o plan de gastos. Esto te ayudar\u00e1 a ver a d\u00f3nde va tu dinero y d\u00f3nde se puede ahorrar. Prepara un presupuesto por tu cuenta o usa nuestro <\/span><\/span><span style=\"color:black\"><a href=\"https:\/\/www.askebsa.dol.gov\/SavingsFitness\/Worksheets\" target=\"_blank\" rel=\"noopener\"><span lang=\"ES-CO\" style=\"font-size:10.5pt\"><span><span style=\"color:#0071bc\"><span style=\"text-decoration:none\"><span>modelo<\/span><\/span><\/span><\/span><\/span><\/a><\/span><span lang=\"ES-CO\" style=\"font-size:10.5pt\"><span> interactivo &#8220;Plan de gastos &#8221; para ayudarte con el proceso.<\/span><\/span><\/li>\n<li><strong><span>Aprovecha los beneficios de empleados en tu nuevo trabajo<\/span><\/strong><span lang=\"ES-CO\" style=\"font-size:10.5pt\"><span> &#8211; Tu nuevo empleador podr\u00eda ofrecerte seguro m\u00e9dico, un plan de ahorro para la jubilaci\u00f3n u otros beneficios para empleados. Aseg\u00farate leer la informaci\u00f3n que recibes y piensa bien tus opciones. Si tu trabajo ofrece un plan de jubilaci\u00f3n tipo 401(k) o 403(b), inscr\u00edbete lo antes posible. Los planes de jubilaci\u00f3n que ofrecen los empleos son una de las mejores formas de ahorrar para tu jubilaci\u00f3n, y comenzar pronto te ayuda a tener tiempo a tu favor. <\/span><\/span><span style=\"color:black\"><a href=\"https:\/\/www.dol.gov\/agencies\/ebsa\/about-ebsa\/our-activities\/resource-center\/publications\/what-you-should-know-about-your-retirement-plan\" target=\"_blank\" rel=\"noopener\"><span lang=\"ES-CO\" style=\"font-size:10.5pt\"><span><span style=\"color:#0071bc\"><span style=\"text-decoration:none\"><span>Descubre c\u00f3mo funcionan <\/span><\/span><\/span><\/span><\/span><\/a><\/span><span lang=\"ES-CO\" style=\"font-size:10.5pt\"><span>y qu\u00e9 decisiones tendr\u00e1s que tomar.<\/span><\/span><\/li>\n<li><strong>Administra tu cr\u00e9dito y conoce tus puntajes crediticios<\/strong> <span lang=\"ES-CO\" style=\"font-size:10.5pt\"><span>&#8211; Tener buen cr\u00e9dito puede ayudarte a lograr tus objetivos financieros, pero el mal uso del cr\u00e9dito o de las tarjetas de cr\u00e9dito puede dificultarlo, as\u00ed que aprende ya c\u00f3mo evitar problemas. Solicita tus <\/span><\/span><span style=\"color:black\"><a href=\"https:\/\/www.annualcreditreport.com\/\" target=\"_blank\" rel=\"noopener\"><span lang=\"ES-CO\" style=\"font-size:10.5pt\"><span><span style=\"color:#0071bc\"><span style=\"text-decoration:none\"><span>reportes crediticios gratuitos<\/span><\/span><\/span><\/span><\/span><\/a><\/span><span lang=\"ES-CO\" style=\"font-size:10.5pt\"><span> y rev\u00edsalos regularmente. Es importante entender la informaci\u00f3n que se incluye y corregir cualquier error. Consulta en la Comisi\u00f3n Federal de Comercio la <\/span><\/span><span style=\"color:black\"><a href=\"https:\/\/consumer.ftc.gov\/credit-loans-and-debt\/credit-and-debt\" target=\"_blank\" rel=\"noopener\"><span lang=\"ES-CO\" style=\"font-size:10.5pt\"><span><span style=\"color:#0071bc\"><span style=\"text-decoration:none\"><span>informaci\u00f3n<\/span><\/span><\/span><\/span><\/span><\/a><\/span><span lang=\"ES-CO\" style=\"font-size:10.5pt\"><span> sobre cr\u00e9ditos y c\u00f3mo los puntajes afectan tus planes financieros.<\/span><\/span><\/li>\n<li><strong>Establece un fondo de ahorro para emergencias<\/strong><span lang=\"ES-CO\" style=\"font-size:10.5pt\"><span> &#8211; La vida tiene por costumbre lanzarnos en nuestro camino obst\u00e1culos, desv\u00edos y baches financieros inesperados. Estos eventos pueden descarrilar tus esfuerzos hacia el logro de tus metas financieras. Una estrategia es establecer un fondo de ahorros para emergencias para que as\u00ed no tengas que recurrir a otros ahorros y est\u00e9s listo para manejar estas situaciones inesperadas cuando lleguen. Reservar dinero para esto podr\u00eda ser dif\u00edcil si los ingresos son escasos, pero ten presente que cada d\u00f3lar ayuda. Puedes obtener m\u00e1s informaci\u00f3n de America Saves sobre la <\/span><\/span><span style=\"color:black\"><a href=\"https:\/\/americasaves.org\/what-to-save-for\/?goal=emergency-fund\" target=\"_blank\" rel=\"noopener\"><span lang=\"ES-CO\" style=\"font-size:10.5pt\"><span><span style=\"color:#0071bc\"><span style=\"text-decoration:none\"><span>creaci\u00f3n de un fondo para emergencias. <\/span><\/span><\/span><\/span><\/span><\/a><\/span><\/li>\n<li><strong>Ahorra para tus metas financieras<\/strong><span lang=\"ES-CO\" style=\"font-size:10.5pt\"><span> &#8211; Cuando identifiques tus metas financieras, considera lo que necesitas para hacerlas realidad. Esto incluye cu\u00e1nto necesitas ahorrar y cu\u00e1nto tiempo puede llevar. \u00a1Aseg\u00farate que el ahorro para la jubilaci\u00f3n sea una de estas metas! Cuantos m\u00e1s a\u00f1os tengas para jubilarte, menos tendr\u00e1s que ahorrar cada mes. Consigue m\u00e1s informaci\u00f3n sobre <\/span><\/span><span style=\"color:black\"><a href=\"https:\/\/www.dol.gov\/sites\/dolgov\/files\/EBSA\/about-ebsa\/our-activities\/resource-center\/publications\/top-10-ways-to-prepare-for-retirement.pdf\" target=\"_blank\" rel=\"noopener\"><span lang=\"ES-CO\" style=\"font-size:10.5pt\"><span><span style=\"color:#0071bc\"><span style=\"text-decoration:none\"><span>ahorrar para la jubilaci\u00f3n<\/span><\/span><\/span><\/span><\/span><\/a><\/span><span lang=\"ES-CO\" style=\"font-size:10.5pt\"><span>. Si necesitas ayuda para determinar cu\u00e1nto deber\u00edas ahorrar para alcanzar este objetivo, consulta nuestra hoja de trabajo <\/span><\/span><span style=\"color:black\"><a href=\"https:\/\/www.askebsa.dol.gov\/SavingsFitness\/Worksheets\" target=\"_blank\" rel=\"noopener\"><span lang=\"ES-CO\" style=\"font-size:10.5pt\"><span><span style=\"color:#0071bc\"><span style=\"text-decoration:none\"><span>\u201cAhorro para la Jubilaci\u00f3n\u201d.<\/span><\/span><\/span><\/span><\/span><\/a><\/span><\/li>\n<\/ul>\n<\/div>\n<p><span><span lang=\"\">Misra.Aishwary\u2026<\/span><\/span><\/p>\n<p><span>Tue, 02\/28\/2023 &#8211; 13:43<\/span><\/p>\n<div>  <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"http:\/\/blog.dol.gov\/sites\/default\/files\/EBSA%20Blog%20Photo.jpg\" width=\"1430\" height=\"954\" alt=\"Photo of six graduates taking a selfie while dressed in their black graduation robes + hats.\" \/><\/div>\n<p>  <a href=\"http:\/\/blog.dol.gov\/taxonomy\/term\/4458\" target=\"_blank\" rel=\"noopener\">Lisa M. Gomez<\/a><\/p>\n<div class=\"blog-tags\">\n            <span>Tags:<\/span><\/p>\n<ul>\n<li><a href=\"http:\/\/blog.dol.gov\/tag\/how-to-save-for-retirement\" target=\"_blank\" rel=\"noopener\">how to save for retirement<\/a><\/li>\n<li><a href=\"http:\/\/blog.dol.gov\/tag\/graduates\" target=\"_blank\" rel=\"noopener\">graduates<\/a><\/li>\n<li><a href=\"http:\/\/blog.dol.gov\/tag\/financial-advice\" target=\"_blank\" rel=\"noopener\">financial advice<\/a><\/li>\n<\/ul>\n<\/div>\n<div class=\"jobbi-after-content-jh-placement jobbi-entity-placement\" id=\"jobbi-332904237\"><div id=\"jobbi-206871649\"><script async src=\"\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-5862940809620110\" crossorigin=\"anonymous\"><\/script><ins class=\"adsbygoogle\" style=\"display:block;\" data-ad-client=\"ca-pub-5862940809620110\" \ndata-ad-slot=\"\" \ndata-ad-format=\"auto\"><\/ins>\n<script> \n(adsbygoogle = window.adsbygoogle || []).push({}); \n<\/script>\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Graduating Soon? Tips to Help You Plan for Your Financial Future Now! En Espa\u00f1ol Are you a college senior? Starting your first job soon? This is an exciting time in your life and a good time to start planning for your financial future. During this America Saves Week, learn about some of the basic financial [&hellip;]<\/p>\n","protected":false},"author":496,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[140],"tags":[],"class_list":["post-6396","post","type-post","status-publish","format-standard","hentry","category-government"],"_links":{"self":[{"href":"https:\/\/jobbinghood.com\/magazine\/wp-json\/wp\/v2\/posts\/6396","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jobbinghood.com\/magazine\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/jobbinghood.com\/magazine\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/jobbinghood.com\/magazine\/wp-json\/wp\/v2\/users\/496"}],"replies":[{"embeddable":true,"href":"https:\/\/jobbinghood.com\/magazine\/wp-json\/wp\/v2\/comments?post=6396"}],"version-history":[{"count":0,"href":"https:\/\/jobbinghood.com\/magazine\/wp-json\/wp\/v2\/posts\/6396\/revisions"}],"wp:attachment":[{"href":"https:\/\/jobbinghood.com\/magazine\/wp-json\/wp\/v2\/media?parent=6396"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jobbinghood.com\/magazine\/wp-json\/wp\/v2\/categories?post=6396"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jobbinghood.com\/magazine\/wp-json\/wp\/v2\/tags?post=6396"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}