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How To Avoid A Fresh-Graduate Financial Crisis

How To Avoid A Fresh-Graduate Financial Crisis

Graduation is a point in life where we all feel accomplished. We leap in joy, throwing our hats high and falling to the ground gracefully in our gowns. We are excited about life, work, and our future. We look toward our college sweetheart, now soulmate, and make our promises for a bright future together. Our parents pat our backs, wishing us all the luck for our future.

However, eventually life hits us as we walk through every back door for a job interview. If we are lucky, we land an internship position or a dream job in a few tries, but sometimes luck is on the other side and we are forced to scale back and re-think our choices. Student loans and other debts begin to pile up while we wait for the opportunities to knock.

The question is: how do we avoid financial meltdown before it’s too late?

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Here are a few tips and tricks I’ve compiled to help you with this problem.

1. Keep In Mind That Your First Job Isn’t Your Safety Net.

If you’ve noticed, many of us make the same mistakes repeatedly. We assume the first job we land with mediocre pay becomes our safety net. We assume that the very first job is the perfect reflection of our identity and we stop exploring. Nelson Mandela once said that being comfortable is the most dangerous feeling humans can have.

This statement becomes prominent, especially among fresh graduates, as we over-commit ourselves. We put in our first instalment for a car, we purchase a brand new wardrobe, get a new apartment lease, pile up on credit cards, and gather many other unnecessary debts.

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Initially, we enjoy over-indulging ourselves. However, as months go by, our expenses increase and we find it hard to keep up with it. We end up in a loop of debt and payments among other fresh graduates. Eventually, we end up playing catch-up with bills that restrict our freedom to explore other opportunities.

If you’re fresh out of university, always keep in mind that it’s better to save and invest than to purchase material items. Credit cards and car instalments just add up to more debt. Keeping it smart and simple is the best way to ensure your financial security. Opportunities are everywhere, so never assume your first job is your safety net. Instead, give yourself the freedom to explore.

2. Love Isn’t Going To Pay The Bills.

Love is a beautiful feeling shared between two people, and after several years we often feel the need to commit to one another for better or for worse. Unfortunately, many make the fatal mistake of proposing as soon as they’re out of university, with the excuse being time and circumstance. These couples often fail to see that a key part in creating a family or committing to marital life is financial stability.

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As the initial honeymoon period settles, many realize the combined responsibilities of bills, accommodations, food, and many other expenses have begun to take their toll.

You should always keep in mind that love alone isn’t going to pay the bills, but it definitely can wait. If the person is right for you, then encourage them on their path toward self-development, achieve great accomplishments together, and once you’re confident enough in your financial stability, you can tie the knot. This ensures that you and your family can avoid any unforeseen financial uproar later in your marriage .

3. Realize That This Is The Age To Take Risks.

Being fresh out of university is the best time to take risks. However, fear and hesitation can lead many to avoid taking that leap of faith. We stay in jobs that frustrate us, spending hours trailing back and forth on our monitors while looking for new opportunities, but never making any moves. We fail to realize that this is the right time to take some risks.

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As a fresh graduate, you aren’t bound by unavoidable responsibilities and circumstances — you’ve got nothing to lose. You can explore the journey of trial and error and learn from your mistakes. You can take the risk of investing and growing your own legacy. These tiny risks allow you to expand your horizon.

Eventually, these risks give you the freedom to ensure your own financial stability, which will possibly give you the freedom to retire and enjoy the comfort of perfect financial stability for the rest of your life.

In a nutshell, these tips could be your savior in navigating this new realm of independence. Take the time to try to relate and understand how you can avoid financial meltdown.

Featured photo credit: Juan Ramos via images.unsplash.com

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Last Updated on October 17, 2019

How to Spend More Quality Time with Your Partner

How to Spend More Quality Time with Your Partner

You see your partner every single day. They are the first person you talk to in the morning and the last person you kiss goodnight.

But does seeing each other day in and day out equal a healthy relationship? Not necessarily.

Spending quality time with your partner is the best way to ensure your relationship stays healthy and strong. This means going above and beyond sitting together while you watch Netflix or going out for the occasional dinner. You deserve more from your relationship – and so does your spouse!

What does quality time mean? It means spending time with your spouse without interruption. It’s a chance for you to come together and talk. Communication will build emotional intimacy and trust.

Quality time is also about expressing love in a physical way. Not sex, necessarily (but that’s great, too!) but through hand-holding, cuddling, caressing, and tickling. Studies show that these displays of affection will boost partner satisfaction.[1]

So how do you spend quality time with your partner? Here are 13 relationship tips on making the most out of your time with your partner.

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1. Recognize the Signs

If you want a healthy relationship, you have to learn how to recognize the signs that you need to spend more quality time together.

Some telltale signs include:

  • You’re always on your phones.
  • You value friendships or hobbies over quality time with your spouse.
  • You aren’t together during important events.
  • You are arguing more often or lack connection.
  • You don’t make plans or date nights.
  • You’re not happy.

If you are experiencing any of these relationship symptoms, know that quality time together can reverse the negative effects of the signs above.

2. Try New Things Together

Have you ever wanted to learn how to play an instrument or speak another language? How about skydive or ballroom dance?

Instead of viewing these as solo hobbies and interests, why not involve your partner?

Trying new activities together builds healthy relationships because it encourages spouses to rely on one another for emotional and physical support.

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Shared hobbies also promote marital friendship, and the Journal of Happiness Studies found that marital satisfaction was twice as high for couples who viewed each other as best friends.[2]

3. Schedule in Tech-Free Time

Your phone is a great way to listen to music, watch videos, and keep up-to-date with friends and family. But is your phone good for your relationship?

Many couples phone snub, or ‘phub’, one another. Studies show that phubbing can lower relationship satisfaction and increase one’s chances of depression.[3]

Reduce those chances by removing distractions when spending quality time together and showing your partner they have your full attention.

4. Hit the Gym as a Couple

One way you can spend more time together as a couple is by becoming workout partners. Studies show that couples are more likely to stay with their exercise routine if they work out together.[4] Couples also work out harder than they would solo. One study found that 95 percent of couples who work out together maintained weight loss compares to the 66 percent of singles who did.[5]

Join a gym, do at-home couples’ workouts, try couples yoga, hit the hiking trails, or get your bikes out. No matter which way you choose to exercise, these healthy activities can promote a healthy relationship.

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5. Cook Meals Together

Pop open a bottle of wine or put some romantic music on while you get busy – in the kitchen, of course!

One of the best relationship tips for spending quality time together when you both have busy schedules is to cook meals together.[6]

Spice things up and try and prepare a four-course meal or a fancy French dish together. Not only is this a fun way to spend your time together, but it also promotes teamwork.

If all goes well, you’ll have a romantic date night meal at home that you prepared with your four hands. And if the food didn’t turn out the way you’d hoped, you are guaranteed to have a laugh and create new memories together.

6. Have a Regular Date Night

Couples experience a greater sense of happiness and less stress when they are spending quality time together.[7] One of the biggest relationship tips for a healthy partnership is to include a date night in your weekly routine.

The National Marriage Project found that having a weekly date night can make your relationship seem more exciting and helps prevent relationship boredom.[8] It also lowers the probability of divorce, improves your sex life, and increases healthy communication.

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Some great ideas for what to do on your date night include:

  • Have a movie marathon – Gather up your favorite flicks and cuddle up on the couch.
  • Play games together – Cards, board games, video games, and other creative outlets are a fun way to spend quality time together.
  • Recreate your first date – Go back to that restaurant and order the same meal you did when you first got together. You can spice up your evening by pretending you’re strangers meeting for the first time and see how sexy the night gets.
  • Plan a weekend getaway – There’s nothing better than traveling with the one you love.
  • Dinner and a movie – A classic!
  • Try a new restaurant – Make it your mission to rate and try all of the Mexican restaurants/Irish pubs/Italian trattorias in your area.
  • Have a long sex session – Intimacy promotes the release of the oxytocin hormone which is responsible for a myriad of great feelings.[9]

Here’re even more date night ideas for your reference: 50 Unique and Really Fun Date Ideas for Couples

Final Thoughts

The benefits of spending quality time together are endless. Here are just some of the ways it can contribute to a healthy relationship:

  • Improves emotional and physical intimacy
  • Lowers divorce rates
  • Improves communication
  • Reduces marital boredom
  • Bonds couples closer
  • Improves friendship
  • Boosts health
  • Reduces stress

These are all excellent reasons to start making date night a regular part of your week.

It’s easy to have a healthy relationship when you set aside dedicated time to share with your spouse. Try new things together, make your spouse your workout buddy, and look for innovative ways to be close and connected.

These relationship tips will bring great benefits to your marriage.

Featured photo credit: Allen Taylor via unsplash.com

Reference

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