为新毕业生的财务管理指南
Financial management is something that we care about here at Mint. Learn more with great financial management tips in our blog article index.Congratulations to all you newly minted graduates!
Four years have come and gone - five years for you slackers. Armed with your diploma, you're now a full-fledged independent adult, ready to face the world on your own. But expect this freedom to bring a lot of changes, particularly to your financial status.Do you have questions about your money? Don't worry - we here at Mint would like to offer you a little graduation present: a financial management guide filled with personal finance advice that we hope you'll find helpful. Okay, it's not a new car, but we can make it easier to save for one.
Create and Track Your Budget
Once you're out on your own, your cost of living can skyrocket. At first, you may find yourself running on empty and operating with a very lean budget. Use Mint.com to set up and track your personal budget. This should help you determine whether your current financial behavior is sustainable. Most likely, you'll need to make temporary cuts before you can move on to afford a more comfortable lifestyle.
Student Loans
If you're carrying some student loans, be prepared. Your loans will enter repayment within 6 to 9 months. You'll want to compile important information, including:
* Whom you owe
* How much you owe
* Your loans' interest rates
* When debt repayment begins
* Payment plan options
* Any relevant due dates
Pay at least the minimum payment established for your loan(s). More than the minimum if possible! And always pay on time: late payments can adversely affect your credit score. If you're unable to make payments, talk to your lenders about forbearance and deferment, which are good ways to help you postpone payments for 6 months to a year. Read the Smart Student Guide To Financial Aid for more information.
Mint Tip: Here is some personal finance advice for those just starting out: if you have little or no student loans, funnel your savings towards an emergency fund. If you've got disposable income or some money left over, put money into a retirement account such as an IRA or Roth IRA, and behold the power of compound interest: contributing $4,000 a year for 10 years into a retirement account will yield half a million dollars upon retirement! Find out which IRA you qualify for here.
Credit Cards
Graduated with some credit card debt? You're not alone. The average college grad leaves school with a $3,000 balance. It's important to keep on top of your financial management responsibilities by ensuring that you pay your bills on time, since even one late payment can increase your interest rates and damage your credit score. See if you can make that easier, immediately, by reducing your interest rate. Check out Mint's personalized recommendations for you on your Ways to Save page.
Career Planning
During these tough economic times, you may find that the only work you can land is temporary, but don't despair: Suze Orman worked as a waitress for 7 years before becoming a renowned financial management guru.
财务管理是我们在Mint网站上所关心的话题。了解更多有效的财务管理的方法在我们的博客的文章索引中有所提示。
祝贺所有新崛起的毕业生们！
四年霎时即去－五年的都市浪子生活。用你的文凭武装自己，你现在已是一个羽翼丰满的独立的成年人了，随时准备面对属于你自己的世界，但预计这种自由会带来一些变化,尤其是对你的财务状况会有些影响。
对你的财产有任何疑问吗？不用担心-我们在Mint网站会向你提供少许的毕业简介:是关于包涵个人理财的见意的财务管理指导，我们希望这些知识对你有所帮助。是的，这虽然不是一辆新车，但我们可以让它更容易省着点使用。
创建和跟踪你的预算
一旦你超出自己的预算，你的生活开销就会猛涨。首先，您可能会发现自己一事无成和运作一项不精的财政预算。马上使用mint.com网站来建立并追踪你的个人预算。它将帮助你测定目前的理财方式是否是合理的。很可能的是 ，在你朝着更舒适的生活方式的目标而继续前进之前,你需要作出临时削减开支的行动.
学生贷款
如果你正准备发放一些学生贷款。你的贷款的还款期将设定在6至9个月内。你也需要收集一些重要的信息，其中包括：
贷款人是谁,贷款金额是多少,贷款的利息率,还贷款开始的时间,支付贷款的方式,一些相关的支付日期.
为你的贷款支付最低的还款金额 。如果可能的话多付些！有规律的支付时间：如果延迟付款，将对你的信用评分产生不利影响。如果你无法付款的话，和你的贷款方谈谈是否可以暂缓执行及延期的事宜，这是可能是个好办法，可以帮助你推迟付款为6个月至一年,阅读一下聪明学生的财政援助指导建议你会获得更多的信息。
Mint网站提示：这里有些个人的财务咨询，是为那些准备贷款的人：如果你几乎没有贷款或根本没有助学贷款，管好你的储蓄作为紧急储备。如果你有税后所得收入或剩余资金,那就把你的这些钱放到退休帐户中去,比如个人退休帐户或罗斯退休帐户,你可以随时关注由此产生的复利的能量:储存4000美元一年,只要10年的时间，退休帐户将达到50万美元的退休金！没有哪种个人帐户比这更有优势。
信用卡
你毕业时是否还有些信用卡的债务？其实你不是唯一有债务的人。平均高校毕业生离开学校时帐户上有3000美元的结余。按照最大的支付能力按时付帐十分重要，因为即使一天的延迟付款也会增加你的利息及损害你的信用评分。想想能否使它让你更轻松些，马上行动，减少你的利息。核对一下Mint 网站提供给你的个性化的节约的方法吧。
职业规划
在这严峻的经济时代，你可能会发现仅仅工作可以获得的是暂时的，但不要绝望：苏茜·欧曼在成为一个著名的财务管理大师之前作为一个女服务员已有七年之久。
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