![]() U.S.-based deposit institutions are generally prohibited from charging fees for ATM and one-time debit overdrafts without affirmative customer consent, resulting in charges being declined. Overdraft fees often exceed $30 per item – an unwelcome bottom-line hit for anyone, but especially for young workers without much financial cushioning. One issue to carefully consider when choosing a bank account is overdraft protection. If you’re paid by direct deposit (see below) and settle all your bills electronically, you may never need to set foot in a bank branch. Online-only banks like CIT Bank may offer better savings account yields and loan rates than traditional institutions with lots of branches and support staff. Chime is one of my favorite banks right now because not only do they have no fees but they will give you access to your paycheck two days before it actually hits your account.Ĭhoose a bank or credit union that fits your needs and lifestyle. Look for free checking accounts that either don’t charge monthly maintenance fees or waive said fees when you set up recurring direct deposits or heed minimum daily balance requirements. If you don’t already have FDIC-insured checking and savings accounts with a U.S.-based bank or credit union, opening them should be your first order of business. Open a Bank Account (If You Don’t Already Have One) This list proceeds in roughly chronological order, beginning with to-dos to address right after you land your job. Heed these money management tips and tricks to start your career off on the right foot. Financial Tips to Make the Most of Your First Job What will you do with your first “real” job’s bounty? How will you make the most of your (hopefully) steady income? What must you do to increase your financial literacy, set yourself up for financial success while avoiding preventable money mistakes, and ensure that you’re on track to reach your near- and long-term goals? Read on to find out. That is, unless you decide to take a job you love for less money – which, with careful planning, may not create an undue financial burden. And if your career progresses as it should, you’ll likely earn more in the subsequent years of your working life. Still, your first paycheck is almost sure to be significantly larger than any you’ve received in the past for part-time or seasonal work. If you’ve landed it right out of an undergraduate degree or vocational training program, it may not pay very much in absolute terms. Your first “real” job is probably an entry-level position. What must come next will not be as fun, but it’s crucial to your long-term financial position. Before you start planning for your first day on the job, take an evening or weekend to revel in your accomplishment. Ideal when a simple summary of your experience will suffice - and for people who are new to the workforce.Landing your first career-track job is cause for celebration. Create a sleek, modern resume which covers everything the employer needs to know, showcasing your abilities in the most straightforward format available. Simple resume / One page resume: Sometimes simplicity is just what you need. Good if you’re making a slight sideways move or have a varied career history to date. Choose a hybrid format and get the best of both the chronological and functional resume template. A better choice if you have a non-traditional career path, want to change your field of employment, or have taken time out of the workforce for any reason.Ĭombination resume /hybrid resume: Highlight both your skills and your employment history with this modern resume option. This professional resume template is a good choice for experienced people looking to stay in a similar field, whose employment history shows a traditional, progressing career path.įunctional resumes: Unlike chronological resumes, functional, skill-based resumes focus less on what you have done, and more on what you can do. Receive fee free global payments, so you can do the work you love no matter where you or your employer may be.Ĭhronological resumes: a chronological resume sets out your employment history in reverse order, alongside your qualifications. ![]() Manage your money online and in the Wise app, and switch between currencies whenever you need to with the real mid-market exchange rate and low, transparent fees. The money goes straight into your Wise account. Use these personal bank details to receive money from Australia, the US, the UK, New Zealand, Poland and any country in the Eurozone. With your Wise multi-currency account, you can have instant international bank details to receive money from over 30 countries around the world, with zero fees. Freelancer working with international clients? Digital nomad? Looking for a chance to live and work abroad for a spell?
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