Description
You got your first salary job offer and you are so excited. STOP! Before you spend a dime, you MUST complete this budget first job.
Here is the thing, the salary you were offered is NOT the money you will receive in your bank account. You will receive far less because of taxes. Then you will have a laundry list of expenses to pay like rent, electricity, student loan payments, food, etc.
If you get excited about this salary and go on a massive spending spree that includes a fancy apartment and new car, you might find yourself in financial distress when you get your first paycheck and all the bills roll in. Sadly, this happens to most Americans. You are finally out on your own and making a full paycheck then your world comes crashing down. At your first full launch into adulthood you are spending more than you make and there is no easy way out of this financial hole.
Thankfully there is an easy solution and tool that will allow you to take that salary and own adulthood.
Before you start looking for an apartment, buy a new car, etc, YOU NEED TO DO THIS BUDGET! In this budget template, I give you the structure to look at all of your potential expenses and understand your money numbers. You will get a sense of your actual take home pay, how much you should save and invest and how much your expenses will cost. This will give you a true understanding of your salary and cost of living before you start spending.
The Result: no massive money surprises at the end of the month and you will feel financially empowered as you start out on your own. One simple activity and $40 is a lifetime financial game changer. All because you did this budget for your first job.
This budget is a two step process. #1: Using the budget to do the research and create a spending plan (before you buy all the things!). #2: Implement the plan and see how it works for a month. Then revise & run again or implement automation and automatic transfers (different product).
The budget includes links to video lectures by Ms. Rigley Janis that will walk you through the entire process. Lets go!
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