The Big Wide World
So you’ve made it! You went to uni, and you’ve fallen out the other end with an awesome degree- go you!!
But what happens next? When I left medical school, it was almost a given that I’d get a job as a doctor due to the way the process is set up in the UK, however in your line of work, it may not be as simple.
So aside from doing the usual – putting out CVs and working part-time jobs until “the one” comes up, you may be feeling stress, burnout and overwhelm – ESPECIALLY if you have a big loan now to pay back.
Maybe you don’t want a job yet, and you want to go travelling. My post on planning a “grown up” gap year might just inspire you to do that. While you’re still young enough to enjoy, why not?!
This contributed post goes some way to helping with “post-uni” life (or post-college if you’re reading from the US). I hope it helps.
Now over to your – What’s the biggest fear you have with leaving college or university? Drop me a comment below or head over to my *FREE* private Facebook group! We talk about all things money in there, so come and get involved!
There is no doubt that adjusting to life once you’re no longer a student can be hard. Getting into the full swing of things whilst you’re on no kind of schedule whatsoever makes it a lot harder. Maybe you’re preparing to leave by the end of this year, or you’ve just left and are still getting used to it; often enough you just find yourself wanting a fresh start! Thankfully, we’re still at the beginning of the year, and that means there’s plenty of time for you to plan.
Life moves on, and you will too.
Feeling Stressed Out?
Don’t worry, you’re not the only one who is! There’s a lot of post graduation stress going around within the current generation, which is a problem, but thankfully there are things you can do to try and help yourself.
A lot of thought needs to go into your actions, and instead of spending days on the sofa eating Ben and Jerry’s (as is preferable during a stressful time), try to put a little more effort into planning. In truth, the only way out is through!
If you’re really struggling, don’t hesitate to seek help – your GP would be a good source of support, as would your friends and relatives.
Don’t bottle up your feelings.
Ultimately is comes down to what you want from your life. Who has the kind of life YOU want? How can you get there too?
I have a FREE e-book you can download that has some exercises you can do at home to help you with this. It also helps if you’re considering switching careers too like I did!
You CAN Still Have Fun!
Just because you’re no longer going out every night to the student bar drinking cheap beer, it doesn’t mean you can’t still have fun. When you start to get into the world of work, a whole new level of socialising begins, and with it a whole new level of expenditure.
A word of caution – don’t do what I did and get into debt trying to keep up with everyone else. Be the exception to the “consumer culture” and set a new trend for being money-responsible among your spend-thrift friends.
Sort Through the Money Matters
In the UK, the student loans company is usually the go-to provider of funds for students going through university. We don’t have to refinance our loans, as they tend to be pretty good value anyway. The rules for paying back are different depending on when you did your course. Check out their website here to find out more.
In the US, things are a little different. Students can have a number of loans that need consolidating. Before you do anything, check out Dave Ramsey’s advice first.
If you decide after this to refinance your student loans, then research all your options thoroughly. Businesses like refinancestudent.loan can help, but make sure you compare everything to get the best deal. Consolidation may well be a beneficial tactic to help you manage the pay-back process more easily.
You’ll be pleased to know that even when you have student debt, it doesn’t affect your chances in any other walks of life like other loan types do. Your credit report will still be shiny at the end of the month, and employers won’t think it shows how bad you are with your money habits. Don’t let yourself sweat the small stuff like this; you’re doing just fine how you are!
Learn to Budget, Save and Invest
Budgeting will be one of the greatest things you can teach yourself moving on from university. Hopefully by now, you’ll have some life-skills which means that you can put the basics of a budget together. If not, now is the time to learn before you get into financial difficulty. Try out my 7-day Money Kickstarter Challenge to get the basics under your belt, and grow from there.
Congratulations on completing an amazing life achievement. Now put it to good use and get out there!
Good Luck in your future career path! Don’t forget to come and join my friendly and supportive Facebook group. We can help you every step of the way, ESPECIALLY with your finances.
Also, to be the first to hear about my new investment course for beginners – COMING SOON, send me an email to [email protected]hefemalemoneydoctor.com and let me know you’re interested!
Lots of Love,
Come and Join the Money-Medics!
Every week I'll send you something inspiring, useful and fun related to our favourite m-word.....MONEY! I look forward to "meeting" you. Love, Dr Nikki x