3 Tips to Survive Post-Grad Financial Pitfalls

financial pitfalls

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  • Dear Grads,

    If you thought your days of education were behind you, think again.

    As glamorous as post-grad life may seem, it’s still a learning process, especially when it comes to managing your money.

    Every day you are faced with new financial challenges, from paying bills to affording groceries.

    Rather than merely hoping to evade an "insufficient funds" alert, take charge of your money. At the end of the day, the only person in control of your finances is you. Here are three tips to survive post-grad financial pitfalls:

    Create a Budget

    Your early morning coffee trip might be saving your productivity but it’s likely hurting your bank account. Small purchases can add up quickly, but apps like Mint monitor these actions so that you can detect financial trouble before it arises. By assessing your purchase history and preferences, Mint suggests personalized plans to help you allocate your assets appropriately.

    By opting into alerts, you’ll receive a notification whenever you approach a budget cap or when bills are due. Best of all, Mint is completely free (so that’s one less charge to worry about).

    Clip Coupons

    Clipping coupons is no longer a hobby only for your grandparents. In fact, saving money with coupons is easier than ever thanks to sites like Groupon. With access to thousands of vendors, users can save money on everything from Italian food to movie tickets with just the click of a button. If you can’t find a business on Groupon, try searching for it in the app store.Markets like Whole Foods have created their own apps that display weekly sales and allow shoppers to ‘favorite’ coupons so they can have them scanned straight from their device.

    Requiring only seconds of your time, coupons are a small way to save big. Keep an eye out for bonus coupons that allow you to take a percentage off your purchase or offer a free item, like a free dozen eggs or gallon of milk. That may not sound like a huge savings, but finding ways to save a few dollars every week or every other week can add up to a bigger savings than you think.

    Avoid Overage Charges

    Whether you choose to spend your time shopping online or scrolling through Instagram, make sure you’re connected to Wi-Fi. Overage charges can be sly thieves of your money but thanks to fast internet service providers like Cox, you can stay connected without the extra fees. As a part of the Preferred 100 plan, you have access to over 500,000 Wi-Fi hotspots for free so you can continue to text your friends videos while dancing in Coachella Valley or skiing in Vail. Spend more time enjoying your life and less time worrying about your data usage.

    Managing your finances doesn’t have to feel like a battle. Whether you use a financial app to track your daily spending, spend a few minutes clipping those digital coupons, or invest in an internet service that won’t have you paying overage fees for utilizing your data, there are many ways you can survive financial pitfalls. Take post-grad life by the reins when you utilize financial resources to minimize your spending and maximize your peace of mind.

    Image Credit: Pixabay

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