3 Easy Credit-Building Steps for Recent College Grads

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Establishing credit when you’re just starting out can be a bit of a catch-22: to establish credit, you need to get credit; to get credit in the first place, you need to have an established credit history. It’s an infinite loop of frustration (one you should get familiar with if you’re a recent grad—to get a job, you need work experience, which you can only get if already have a job . . .).   Luckily, breaking free of this paradox isn’t as hard as it initially sounds if you know where to start and know what to do once you get going. Establishing a credit history right out of college is one of the most important first steps you can take toward your financial future—it can help you get approved for car loans and mortgages and qualify you for better interest rates that will save you … [Read more...]

4 Tips for a budget-friendly work week

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Saving a healthy budget is a lot different than actually sticking to a healthy budget. It’s a lot like dieting in that way. I know I shouldn’t eat that cookie, but it looks SO GOOD.  If you really want to stick to that 300-line spreadsheet you spent hours perfecting (or maybe you simply opted to spend 10 minutes in a budgeting app… still counts!), you’ve got to break unhealthy habits, make changes and start disciplining yourself. The cushy savings account you accumulate will be worth the hard work. I promise.     Although a challenging work week can often distract your from overspending, the stress can backfire and result in splurge decisions and breaking budget.  Don’t cave in. Take these three tips to make sure you stick to your budget—at least from Monday to … [Read more...]

6 Tips to Cut the Cost of Your Job Search

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Are you currently on the hunt for a new job or career? If so, you're not alone. According to a survey conducted by CareerBuilder, 21% of full-time working Americans plan on changing jobs this year.   In your zest to find a new position though, it can be easy to let expenses get the better of you—and if you're unemployed, of course, conserving money is absolutely essential. Regardless of your current situation, here are six ways to cut the cost of your job search.   #1. Carefully Consider the Benefits of Headhunters Back in the day, headhunters provided invaluable services to job seekers. However, with the expansion of the Internet, you can actually do a lot of this legwork on your own now.   Of course, if you're juggling too many responsibilities to tackle a … [Read more...]

5 Factors to Consider Before Changing Jobs

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According to a report by Forbes, job-hopping is "the new normal" for an increasing number of Americans. However, labor experts agree that switching employers is never a decision to be taken lightly. It can be a major risk.   While the lure of greater opportunity, better environment, increased compensation, and change for change's sake are all compelling reasons to accept a new job, there are many variables to take into account before officially taking the plunge.   Whether you are currently fishing for available openings or are already reeling in what promises to be an excellent opportunity, ask yourself these five important questions before changing jobs:   1. How Is My Financial Footing? While money (perhaps surprisingly) is not the main reason most … [Read more...]

Personal Finance for Artists

Personal Finance for Artists

When I was in high school, I dreamed of a career on the stage. I threw myself into intensive dance and singing lessons every night after school, and spent hours in studios rehearsing musicals. I envisioned myself on a Broadway stage, rehearsed my Tony acceptance speech in the mirror, and practiced my signature for the day fans would ask for my autograph.   Senior year, college decisions forced me to think about the logistics of my future, and suddenly my idealized vision of starring on Broadway clashed with real, pressing decisions about money, college, and my career. Understanding the harsh reality of “making it” as an actor, while also feeling the immense weight of a lifelong dream on my shoulders, I was torn. I began considering other possible careers and grappled with the … [Read more...]

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