Landing your very first "real" job is exciting and what a milestone you've reached! Sure, you may have had a childhood paper route or babysat for the bratty kids next door, but reaching adulthood and walking through the door to that first major job is a true step towards the rest of your career.
While your expectations may be high, your adrenaline is pumping, and you're full of hope and promise, not all first jobs are a dream come true. Sometimes the realistic levels of excitement and interest level are pretty low. It's just part of the process of climbing the ladder to the next (and hopefully more interesting) point in your career.
But there's no need to get down in the dumps because of a lackluster first job. There's potential to turn that frown upside down and make the most of this experience. You can take the reins and control your own destiny… or at least prevent yourself from staring at the clock 'till it strikes 5pm. Here are 5 tips to making the most of your first job when it's not exactly making the most of you.
Hone in On the Positive
Looking on the bright side can have positive psychological effects. Not everything is terrible about your job, so it's up to you to bring out the aspects of it that are interesting and exciting to you. Perhaps it's those brainstorming meetings on Monday morning where you can hear what the company is planning and what the other departments are up to. Your boss may be a great mentor. Or maybe it's the fact that your office is close to home so you have a quick commute. If your paycheck is decent, then that's nothing to turn up your nose too either.
Similarly, get rid of negative thoughts and constant complaining. This will only reinforce the not-so-great parts of the job and take time away from its better aspects. As per Life Hacker, "Complaining about your job can be fun because it seems cathartic, but venting your frustration will only make your anger worse. Instead of complaining, consider solutions. If you can't change the way things work in the office, consider ways to help you cope with those problems. Being more proactive and less negative may not fix everything, but it can improve your situation."
Don't forget that a first job is a learning experience. Learn to finish the tasks that may not be your favorite, but lend to your overall success. And for the things you truly enjoy? Go at them with gusto to show your manager you're enthusiastic and eager to tackle similar tasks in the future.
Sitting alone in your cubicle all day and never co-mingling with your co-workers can make a dull job even more dreadful. It's time to step out of your shell and learn more about your company and the people who work for it alongside you. You'll become more knowledgeable as well as better-rounded. Plus, your boredom will fade as you get more involved.
As Forbes notes, "Your brain needs stimulus. Try doing your humdrum tasks in a different way, at a different time, in a different seat or with different people." In addition, "Ask your boss if you can alter your workload or the kind of work you currently do." This will allow you to participate in different departments and zero in on what it is you enjoy doing the most.
Talk to your co-workers, learn about new innovations and marketing plans, and stay in the loop of what's happening in every department. This will help you realize that the role you have is an important part of the machine and you'll be able to see its value. Even if you wind up back in your initial job area, you can offer aid when needed and consider a different department when it's time for a review or promotion.
Make Lunchtime Special
When you're not all too enthralled with your job, break time can be a blessing to help recharge you to make the most of the remainder of the day. Take the free time you have to eat a healthy and energizing meal, read a book or the newspaper, chit chat with co-workers, or take a brisk walk around the block.
With some time to clear your mind, you can get back to work with a sense of purpose and stamina. Think about why you took the job in the first place and get back to that mentality after a little time to yourself. Use the break time to think about new ways to approach your job with positivity and ambition. Mind over matter is a useful tool.
Then again, if you get back to your desk and still find yourself in a blasé mood, at least you had an hour off to do something enjoyable!
Put Things in Context
Sometimes, it's all about perspective to make what could be tedious something that intrigues you. This is your first job, so while it may not be your dream scenario, if you place this moment in the context of your life to date and where it's headed, things could suddenly seem pretty darn OK.
As Tiny Budda puts it, "Things may be far from ideal, but they could also be much worse. Throughout the world, there are millions and millions of people who would be confused if you told them that you were miserable in your current job. They're making a lot less money, while working longer hours, and often in far worse conditions."
Think of what you are doing now as a small checkpoint on the list of your entire life. Use what you are doing and learning as ways to better yourself and figure out where you fit into the scheme of things both in the workforce and the universe. While organizing an Excel spreadsheet may not seem Earth-shattering, making a contribution towards the bigger picture is what makes the world go 'round.
You can make your job more appealing by changing things up to make it more exciting for you. You can suggest a new way of holding team meetings or volunteer to work with the interns as they integrate into their respective departments. Think about new ways of managing your time to get the dull items out of the way first so you can look forward to the things that keep you on your toes. Maybe you can get approval to work from home a few days a week or change up your hours so you can do other non-work activities that keep you motivated. Ask to attend seminars or conferences in your field so you can be on top of the most current trends and meet like-minded individuals who can help you get to the next stage of your career.
If your job seems boring, it doesn't mean that you have to be too. Use your inner creativity to turn a ho-hum job into something to wake up looking forward to.
Your new job seems a little more exciting now, doesn't it!?
While it's possible to be frugal with many aspects of your lifestyle, there are certain events and possessions that will require you to spend a substantial amount of money. Thus, a wise course of action is to begin saving well ahead of time while thinking about your goals for the future. This way, you'll be able to maintain a stable financial state even when faced with those large expenses. The following are a few major life purchases that you should plan for.
Marriage is a joyous occasion that many people look forward to. However, a wedding can be quite expensive, often costing thousands of dollars. Your family and your future spouse's family will often contribute to covering this, but you should still prepare to spend a good deal of your own money on the ceremony. If you're in a serious relationship and are considering marriage, you should plan where the funds for the wedding will come from and take the necessary actions to accumulate them. It's also crucial to discuss financial matters with your partner, since your property will merge once you get married.
A New Car
Automobiles remain one of the top modes of transportation. As a result, you may want to purchase a new car at some point in your life. Although you may be fine with an old or used vehicle at present, you may one day be motivated by a desire to acquire something nice for yourself or by the practical needs that arise as you raise children. Whatever the case, obtaining a new car is a major life purchase that you should plan for.
In addition to setting aside funds to eventually put towards a vehicle, you should also aim to build you credit score. This is because your credit score will determine your available car loan options. The higher your credit score, the more you may be able to lower your interest rates on your car.
Owning your own residential property is a worthy objective that you may hope to make a reality one day. Ideally, you should save about 20 percent of the total cost of a house before you buy it. This will allow you to make a larger down payment and thereafter face less interest on your mortgage.
As with acquiring a car, the mortgage options that you'll have can change based on how strong your credit score is. You'll want to increase your score as much as possible in the years leading up to buying a house so that you can get more favorable interest rates. In addition to contemplating down payments and mortgages, you must also remember that you'll need to deal with property taxes, insurance, maintenance and repair fees, and sometimes homeowners' association charges.
It's also necessary to hire a real estate agent to help you with the buying process. There are different types of real estate professionals. You should know how to distinguish between buyer's agents and seller's agents so that you can obtain favorable prices on homes as well.
Many people live together before getting married and have begun the process of combining accounts and sharing responsibilities. However, some people wait to do this only after marriage, and others wait until they're married to live together. Whichever path you've chosen, it's still crucial to know a few tips to manage money together as newlyweds to determine where you should begin and how you can remain on the same page.
Discussing Money Motivations
As we begin to share money with our significant other, we soon find out what one person may rank as a priority regarding money and the other may not. As such, sitting down and discussing money motivations is important. Two people who cannot agree on how to handle money may cause serious issues. This should include:
- How to deal with money following payday. Is a percentage put into savings? Is that the day to splurge on dinner, drinks, and more?
- The frequency and size of payments made to debts. Some people like to pay minimums, whereas others pay in full or make double payments.
- What do you each consider money well spent? Is it a new 70" 4K television? Is it an investment? Is it paying as much debt off as possible?
- How do you go about consulting each other before making purchases over a certain amount?
Establishing Financial Goals
After you evaluate the motivations behind your money and how it should be spent, you'll need to spend time together hashing out financial goals. As newlyweds, there are certain things on your list that you're going to want to save for. How do you go about that? How much of each paycheck will you dedicate to a particular fund?
Some things in the future worth making a financial plan for include savings and paying down debts. This is the time to be honest about your current financial standing. If you're looking to buy a home, you'll want to assemble a first-time homeowner financial checklist to begin to develop topics of conversation. Some of the things to consider setting goals for are:
- Student loans
- Car loans
- Future children
- A house
- Medical bills
- Delinquencies on credit reports
- Vacation and rainy-day funds
- Emergency funds
The more honest and open you can be with each other about the money you have and now the debts you share, the better. Implementing plans for the best ways to have the things that you both desire while still taking care of existing demands is important. These can be uncomfortable things to talk about; however, these conversations are necessary.
Following these tips to manage money together as newlyweds will allow you to have a starting point for conversations that can be tough to start. The sooner you and your partner get on the same page with finances and the responsibilities that come with them, the easier the transition will be and the sooner you'll find success.
It's the dream: money you can count on to keep rolling in, even while you sleep.
Passive income isn't entirely passive, of course. You'll put in work up-front to get the profits rolling, so don't relax in your recliner just yet. But with so many potential sources of passive income available to you, picking one or several will mean that the day you can finally kick back will draw steadily closer.
Real estate is a tried-and-true wealth builder for a simple reason: people will always need somewhere to live. Research the market in a growing community until you know a good deal when you see it. You can maximize rent by fixing up a deteriorating property or upgrading a mediocre one. The key is to hire a property manager to do all the day-to-day landlord duties for you—and you'll need a good one. Smart investors put their profits in another property and repeat the process until they have a diverse portfolio.
A YouTube Channel
You can start a blog if you're more comfortable hiding behind a computer, but consumers are more likely to prefer video content. Post a series of “how-to" videos to answer questions about whatever you're an expert in.
You can put up any content you want, but if you don't want to commit to regularly updating it, focus on “evergreen" topics that will draw clicks for eternity. Ads will create your income, especially if your channel grows in popularity. Better yet, sign up for affiliate marketing. If you recommend a product and provide a link to buy it, you'll get a small percentage of those transactions.
If you don't mind vinyl-wrapping your car with an ad for a company, you can get cash just driving around and running your errands. Make sure you contact a reputable company that doesn't ask for any money from you; if they're the real deal, they'll evaluate your car, your driving habits, your area, and more. Bonus: the brighter the ad, the easier it'll be to find your vehicle in the parking lot.
What's something that people will pay for but doesn't require shipping on your part? Finding that item is what can supplement your income indefinitely. Write an e-book, charge for your cross-stitching patterns, design prints that people can digitally download, invent an app, record a “masterclass," or whatever else you want. Every time someone new discovers it, the cash register rings. With a little more effort, this is a potential source of passive income for you that can continue to grow. Once you build up a customer base, they might want more products. The good part is that it's up to you whether you wish to give it to them.