Are you just graduated and start to look for or have your own job to earn income? The transition from school to be a young or fresh employee must be not easy. You need to be smart in managing the income and outcome in order to make you survived.  Check these several tips below to help you survive as a fresh employee. 

Determine the outcome budget for each month

You might be proud of getting a job and start your new life as a new employee. But, do not ever waste your first salary, instead make a financial planning: how many percentage of the salary you will save, how many percentage of the salary you will allocate for eating, transportation, entertainment and bill payment. Better if you have 2 bank accounts for your saving: one for daily outcome and the other for your untouchable saving that un-able you to take the money out.

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The basic problem in this world is all about money. Most people get burdened with this stuff, but you might have the same condition if you have the right mindset.  It is related to financial management. It is no matter how worst your finance management, it is all back to your mindset about money as the core of it.

Then, talking about money should be connected to your mindset. There are several mindset about money we need to pay attention more:

Look Inside

You need to find out what you know about money. When you are asked “why have you been not rich yet?” you might need to consider the concept of rich itself based on your own concept. Therefore, it will be your reference to evaluate the pattern of your finance managerial.

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When trying to decide if you should use a bank or a credit union you will find that it is not an easy choice.  They offer almost the same types of services, which will include the different types of accounts as well as stocks and safe deposit boxes.  Because the services are similar that is what makes it difficult when you are trying to decide on where you should do your banking.

The Pros Of A Credit Union

There are many pros when you are looking at a credit union.  The top on the list of pros is that a credit union is a non-profit organization.  What this means for you as a customer is that it is focused on giving you the best services and quality to its members.  You will find that the interest rates on loans are generally better at a credit union because of this fact.

A second pro of a credit union is that if the credit union earns more than what it costs them to operate that year the extra income is shared among the members of the credit union.  This is called dividends.

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In the current economic model, banks are a fundamental institution to drive growth. Interests rate are a focal point in this regard, as the current time period marks that of a hybrid between recovery and growth.

In order to instill the confidence among investors, banks have been lenient on their interest rates. The meager interest rate creates a paradox for finance since it provides fewer earnings in terms of savings. The important question arising from this scenario is whether there are alternatives in the financial institution.

Exploring online banking

Much has been said about the technological impetus driving growth in the banking sector. Online banking provides convenience and comfort for users. However, it has one larger benefit from the finance point of view - the ability to shape monetary assets in favor of the customer.

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