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We are all getting a handle on this thing called ‘life’. Just like the game, how you handle your finances can make or break your success as an adult. Most of us are leaving college and starting out our early years with debt we accumulated from school. Lifestyle inflation takes over because, why continue to live off of eating nothing but Ramen if you don’t have to? For me, it wasn’t just my grocery bill that went up. The car that I had (which was completely paid-off by the way, not cool) called it quits only six months after I got it, so I panic bought a 2017 Ford Escape and took out another $17k in loans. Navigating your finances as a young adult is… uncomfortable. You aren’t panicking like you were in college, but you are far from comfortable. The goal is to become comfortable, and that takes time. The beginning to a successful, comfortable life starts when you are young.The younger you are when you start to financially plan your future, the better off you will be when it counts. Here are the best money apps Young Professionals need!
Here are the must-need to succeed money apps for young professionals.
Keep track of all of your finances in one place! Mint keeps track of where all of your money is- your debts, investments and cash. It will even show you your credit score, give you updates when you have an upcoming bill and allow you to set financial goals. If you really want to see where you spend your money- and I mean all of it- Mint will break down every cent you spend.Sign up for Mint here.
This app gives you cash back at the pump. Not only that, if you refer a friend and they use the app, you will continue to earn money off of them every time they go to the pump! The average cash back you get with the app is about $0.15/gal, but if you use the app consistently, you can see some savings stack up! After three months of using it, I had $12.00 saved. Not much, but it will definitely pay for a lunch out! Download GetUpside here!
Link your cards and pay in the app to get cashback on all of your everyday purchases! This app allows you to save coupons for later, too! Scroll though the app before you go shopping and BOOM! Savings baby! Sign up for Ibotta here!
The Steady app is a one-stop-shop for savers, job hunters, side hustlers and financial planners. The goal of the Steady app is to educate a new generation on financial wellness. To do this, the app prompts you to take control of your financial situation. Everything from investing education to job boards can be found on the Steady app. Sign up for Steady here!
I love movies and TV. There is nothing better than finding that movie you have been wanting to show your partner on an obscure subscription service. And the best part?! The subscription is only $2.99/month! You won’t even feel it when it is charged! Then the inevitable happens. You forget that you even used the subscription to watch that one movie four months ago. A $2.99 movie suddenly turns into a $12 movie before you blink. Clarity Money keeps track of all of the subscriptions you pay for each month. All you have to do is link your credit and debit cards and suddenly you know where you are subscribed. Then you can see where you want to cut back and what services you want to keep. Sign up for Clarity Money here!
Ok, if you haven’t seen Ashton Kutcher in an ad on YouTube talking about this app… where have you been? In all seriousness, it is a great app. Especially for young people. Investing sounds like such a big, scary, untouchable concept for newbies. This app easily gets you started. Any purchase you make, it rounds it up to the next dollar by linking your debit cards to the app. This way, you are constantly investing little-by-little. You can choose to set a cap on how much you invest each week. As your income grows, you can choose to make your investing cap larger and larger. But the starter has about $5 each week taken form spare change in their account.There is even a chance to split up your spare change and start investing for your future children!You can sign up for Acorns here.
So that’s it! The money apps Young Professionals need!No matter where you are in your professional or financial journey, there is an app out there for you. Remember, it is important to speak to a financial advisor to see what your best plan of action is. Although it may seem like you are lifetimes away from your financial goals, there is a support system out there for you to keep you on track. Who knows?! It just may come in the form of an app! Want more young professional advice? Check out these blog posts:Find Your Niche at WorkOvercome Rejection as a Young Professional
This easy and fun DIY project will save you hundreds
In my last few apartments I never had bar stools. I always wanted to get some but I never pulled the trigger because they are too expensive. The stools I found usually ran $100-350 and, to be honest, they weren’t my taste at all. I would spend HOURS scrolling through Facebook Marketplace trying to find something that was affordable, yet beautiful. I suppose I don’t have the magical Facebook Marketplace touch that a lot of my friends do because I was never able to find something that I loved. So I started to think of some ways I could make my own stools while staying on a budget.
I wanted to make stools that can move a grow with me.
I only try to purchase items for my home that I can use for years to come.That means I need to make sure the pieces I bring into my home will be able to transition with the times and the many homes to come. I came across a Tik Tok video of a girl making a DIY bench for her dining room table. I though that would be such a great seating option since the island in my apartment is super long. I have always wanted a benches at my kitchen table, but the bench seemed like it could work at my island and then be taken to my next home.My boyfriend suggested making two benches for mobility purposes and now I am OBSESSED with how it turned out! This is how we made two custom bar top benches that are a perfect fit for my new island for less than $50.00!
Measure Your Bar Top
The first thing you need to do when working on these stools is to measure your bar top. Record how high, long and wide you want to make them. Our measurements were 1 foot wide, 3 feet long and 2 feet tall. Add up all your measurements and go buy some 2x4s from your nearest hardware store!
Get Your Materials
For this project, you will need:
We already had some paint, a saw, sanders and we were even able to find some paint. So that meant all we had to buy in addition to the wood was wood glue, caulking and nails.
See what you have around your house or apartment and ask your family and friends if they have anything else. You just may be able to get everything for free!
Our total for materials was $41.32!
Start by cutting the wood to size!We put everything together and then sanded it down, but I would recommend sanding everything down after you cut it to size, just to save your fingers from any splinters.After you sand everything down, construct your benches with wood glue first and then nail or screw it together for extra reinforcement. Finish off any edges with caulking to make the transitions between pieces smooth. Finally… the fun part! Paint! We found using a roller brush looked nicer than the paint strokes that were left on the benches from a traditional brush. If had were to do it again, I would use spray paint for easier application.
I love how simple, chic and modern these turned out. They are also very comfortable and versatile. It’s so easy to grab these and bring them into the living room if I have guests or use them as a little step ladder to get a glass on the top shelf. Best of all, they were soooo cheap compared to some stools I have come across! Let me know what you think and if you end up building similar benches!
As my senior year of college came to a close, I was hoping to land a job at the PR firm I had two internships with.
One of the VPs had implied that a job would be around the corner and always praised how hard I worked.
That job offer never came. As a matter of fact, I was pretty much shut out the second I submitted my resume to the hiring manager for an opening position. They hired a classmate of mine instead of me. I was stunned and began to panic. My college career was coming to an end and I felt like the only idiot on campus that didn’t have a job lined up after graduation. Rejection #1.
Cut to after graduation and over 150 job applications later.
That’s a lot of rejection. Especially since most of the companies I applied for just ghosted me. And the only answer I could get from employers that didn’t want to hire me was that I didn’t, “have enough experience” for an entry-level position after working five internships in college. Rejection #2 (or 151??)
I finally landed a job about a month after graduation.
It had absolutely nothing to do with my degree and desired career field. The dream career that started with the dream job out of college seemed to be fading away quickly, but the truth is I just needed a job to pay my bills. And this job? It paid almost twice as much as an entry-level PR job (which was a Godsend). Although it was what I needed, I still felt rejected by my own hopes and dreams. Reality had destroyed what I hoped would happen for me after graduation. Rejection #3.
That made three significant career rejections before I even started my first day of work as a professional.
The rejections didn’t stop once I had my first day of work. In fact, they kept coming. As I am approaching my first anniversary of my first professional job, I wanted to share with you all that rejections are normal. In fact, rejections can turn out to be some of the best things that happen in your life! The only thing that is stopping you from realizing that is the fact that rejection is super hard to handle. Below are my best tips to help you seize the moment when rejection comes your way!
You REALLY are not alone
As much as it seems like you are the only one that can’t get it together, the only one that is constantly hearing no, the only one that doesn’t have any AMAZING updates to post on LinkedIn, you aren’t. Trust me. This is part of the reason why I wanted to start this blog. So that, hopefully, a girl that was in my position last year will find this post and feel some confidence in her heart. Trust me when I say, if you keep doing the right thing, everything will work out. If you keep working hard, putting yourself out there and putting in the work, everything will be okay. I promise. You will, unfortunately, come to accept that a lot of rejection will come your way. One you accept rejection as inevitable, you will be able to spend more time pushing through it and less time trying to run away from it.
It is ok to feel hurt. Just don't dwell on it.
Look, the pain you feel is going to force you to deal with it sooner or later. You may as well deal with it now so you don’t have to spend so much of your time trying to avoid it. The sooner you accept the fact that you do feel a little pain from rejection, the better off you will be. Why do we tend to act like professional rejection doesn’t hurt? Well, I am not a psychologist, but I think it may be because our image of a grown-up, professional, boss b*tch is a girl that has it together 24/7 and never lets her emotions trample her spirit. Newsflash: NOBODY IS EMOTIONLESS. You are not weak if you are hurt by being told ‘no’ after working so hard and hoping for a ‘yes’. Just do yourself a solid. Put a timer on your pity party. While it is important to process your emotions, dwelling in them will not push you to the next step. One more time for the girls in the back: Pushing your hurt down will make you loop around to it eventually. Dwelling in your hurt will stunt your growth. Find a happy medium!
*Plays "Miss Movin' On" by Fifth Harmony*
Ok, so you have pushed past the pain. Now what? Well, you start from square one. Rejected from a job? Look for another. Rejected proposal at work? Ask why it was rejected. Overlooked for an award or raise? Ask you boss the areas you can improve yourself at work. Once you have completed your research, write out the steps that you will take to ensure a better result. If you are starting to apply to a new job, write out the things that you will do differently this time that you didn’t do on the last rejection you garnered. Plan out steps that you will take to make your work stand out in the office.
Ok, this seriously is the hardest part sometimes.
Up until now, all of your steps to overcoming rejection have probably been done in private. Now is the time to actually do something. To put yourself out there and face the possibility of another rejection again. And the wort part, so we tend to think, is that other people will know you have decided to go for it again. But you know the good news? You have already survived rejection once. You will be able to survive it again it if happens. This process is not a guarantee you will not face rejection in your professional career or personal life ever again. In fact, it is pretty much counting on the fact that you will face it quite ofter. What this process does is helps you overcome the fear of failing, the fear of rejection and the fear of not being good enough quickly so you can experience it more often. You heard me right! You know why? The more chances we take to face rejection, the more chances we have for a victory. The higher the number of risks you take, the higher the number you will eventually get in return.
When I look back on my life so far, I realize that it is not my successes that shape who I am today. It is my failures. It is the rejections that forced me to reevaluate and chart a different path. I am a better ‘me’ because of the rejections I have experienced and all of them will get me to my final destination.
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What have been your biggest rejections that have turned into your greatest blessings? Let me know in a comment below!
You can find me on Instagram @allimarieramirez.
We are half way through 2020...let that sink in.
There has been so much transformation to our world- good and bad- in just six months. Think back to what you were doing six months ago and it probably feels like a totally different world.
I think this change in our world is a great lesson on how quickly we can change and evolve our own lives- our careers, relationships, bodies and souls.
Going into the second half of 2020, I believe that it is important that we focus on intentional changes, rather than the forced changes that we adjusted to in the first half. A great way to be intentional about our change is to make simple, attainable plans and a roadmap as to how we will achieve our goals.
In this post, I will be breaking my goals down into several categories for the month of July: professional, financial, health and miscellaneous. Follow the format below to help you build your own intentional goals for July!
What is your biggest professional goal for the month? Where do you want to be or what do you want to have accomplished for your career by the end of the month?
What are three small steps you will take to reach this goal, when will you take those steps and how often? Will they happen every day, in the evening, or every two weeks?
I want to start taking Real Estate classes online and complete the course work by the end of the month. Step 1: I will speak with Real Estate Agents in my area to see which schools are the best to attend in the first week of July. Step 2: I will pick a curriculum that makes sense for me at the end of the first week in July.Step 3: I will sign up for the class and complete 30 minutes worth of class work in the mornings every day at 7:00am before I start work for the day.
Follow the same format for this goal. What is your biggest financial goal for this month and what are three steps you will take to get you to your goal. Hint: the three steps do not need to be that complicated!
As some of you may know I have recently moved into a new apartment. I wasn’t expecting to move a month and a half early, but that is how the cards fell so I had to dig into my emergency fund in order to move. I will rebuild my $1,000 emergency fund by the end of July.Step 1: I will write a budget for the month on July 1st. Step 2: I will create an emergency fund envelope that gets me excited to fill up with money on July 1st.Step 3: I will fill up my emergency fund envelope with cash until it totals $1,000.I will do this by filling it with cash from my side hustles. I will complete at least 4 side hustle/money-making activities each week to reach my goal faster.
Health can be whatever area you think you need to work on most. This does not mean simply bodily health. This could mean spiritual, mental, relational, etc.
Workout three times a week. Step 1: I plan my workouts for the week at the beginning of the week. Step 2: I will lay out my workout clothes the night before my workout to be ready to go when the morning comes! Step 3: I will motivate myself with small rewards for every three workouts I complete.
There are so many other goals we want to reach as human beings that do not pertain to career, money or health. For many of us, we have side projects that we enjoy, family/relationship goals we want to reach or maybe even goals for your pets!
My misc. goal this month is to clean my car once a week, every week.Step 1: I will set aside any spare change I have throughout the week to go towards funding my car washes. Step 2: I will buy any products I need to clean my car on Friday evening after I am done with work. Step 3: I will go to a carwash on Friday evenings after I am done working for the week.
Let’s start off Q3 with a plan and make this second half of the year one that will be transformative and intentional! XOXO-YPW
A guide for your new apartment that you actually have to do.
This is not another post about decorating an apartment, or making a small space feel bigger. Nope! This is a post dedicated to all of the ~adulting~ things you have to do when you move into a new apartment.
It is easy to get lost in the excitement of a new apartment and miss important paperwork deadlines, fine print and details that make your move possible. I am about to move into my SIXTH apartment in the past three years later this week, so I have had to learn all of these tips the hard way.
If you can take care of this to-do list before your move-in day, you will be well on your way to having a smooth transition and awesome first day in your new home!
So you have spent so much time searching for an apartment that is just right. In the right price range, not too far from work, and maybe even a large granite island in the center of the kitchen! And look- the unit that of your dreams is available to move in to, according to the website!
Not so fast.
Unfortunately, I have found that most websites don’t update their availability at all. So you are going to have to call, go for a tour and see what units are available in the time frame of your move.
Once you complete the application, there will typically be an application and processing fee. If the advertised application fee is $75 and you have a roommate, both you and your roommate will be charged that $75 separately. This is because the apartment complex needs to run checks on you to make sure you have the funds to pay rent and you are not a convicted felon.
Fee Alert: application fees are charged in the full amount advertised to each person that is on the lease.
2. Other Fees
You should expect to pay a security deposit, processing fees, pet fees and the first months rent on or before the day you pick up the keys to your new place. Security deposits can range anywhere from $100 to the total of a month’s worth of rent. Pet fees are typically $150-350. On top of the pet fee, you will pay monthly “pet rent” for your furry friends. Nobody ever said pets are cheap! If you are moving in on the first of the month, you should expect to pay the total first months rent when you move in. If you move in any day after that, your rent for the month should be prorated for the amount of days you will spend in that apartment.
Fee Alert: security deposit, processing fees, pet fees, first months rent.
3. Proof of Income
When you apply for your apartment, you will be asked how much income you make a year. You will need to prove this after your application has been approved through pay stubs (typically from the past month), offer letters (if you haven’t started your new job yet), W2s or some other proof of income if you are self-employed. I know, it would be nice if they could just take you at your word, but they have to know you will be able to make payments.
4. Renter's Insurance
You need renter’s insurance. I used to think that it was a waste of money, but after seeing two apartment fires this year, I realize the importance of insurance. Most of us are renting because we want to build towards something bigger. Don’t let the assets you already have get taken away from you in a blink of an eye. Most apartments offer renters insurance through partner companies, but I like to get my insurance through State Farm. I was able to get insured for the same dollar and liability amount at a rate of $6.97/ month, while the apartment was offering $16.99 as their lowest rate.
Fee Alert: renter’s insurance. Upfront or monthly.
Your apartment will probably have an energy provider that the county uses for electricity. When you get all of your paperwork done, your apartment will tell you which company to reach out to in order to either begin service or transfer service. If you are transferring service, make sure to have your account number handy. Just know that once electric gets cut on at one apartment, it is G-O-N-E at the other. Keep this in mind on moving day! Make sure you bring all of your “groceries” from your old fridge over first!
Your internet is similar to your electricity. Basically, you set up a new account with a provider offered at your apartment complex, or you transfer service over to the new apartment. You want to make sure you schedule this 2-3 days before your move because a technician will be coming out to your apartment to set up your equipment. Also, remember to shop around for the best rates!
7. Change Your Address
The first thing you are going to need to do when you change your address is go to the nearest U.S. Postal Offie. Tell them you need a change of address card, fill it out, and give it to them. If you have roommates, bring enough home to them so they can do the same and send their change request in the mail. You can find the online resource for this process here. Then you are going to want to take the time to set up all of your online accounts with your new address. This includes Amazon, credit/debit cards, bank accounts, streaming services, employers databases, loan companies, doctors offices, etc. This makes sure that your mail gets sent to the right address, even if have submitted a change of address card. It is best to play on the safe side!
I have tried to move using a friend’s truck, my dad’s truck and two different cars at once. I have also tried moving with a U-haul. After moving with a U-haul I will never go back to pickup trucks again. Yes, it may seem more expensive up front to pay for a U-haul truck, but between the gas you save on each trip, damage done to items if they can’t fit in the bed, and the time spent going back and forth from the old place to the new, it ends up being a better situation to rent the U-haul. Your going to be exhausted if the process is drawn out longer than it needs to be. Trust me, your tired body will thank me later! 😉,
I hope this guide makes moving easier for you! If you would like to see more apartment-related content, comment below and let me know! Also, be sure to sign up for my email list! XoXo-Yo Pro Woman