The Division of Business and Finance is dedicated to providing the neighborhood with timely and correct monetary information and accounting providers in support of scholars, faculty and employees. Many fashionable businesses select to supply credit to associates and clients in an effort to enhance sales and enhance relations with business contacts. To leverage the use of credit score effectively and legally, business homeowners should first familiarize themselves with relevant legal guidelines. Consumer credit legal guidelines dictate numerous information important to today’s business homeowners, corresponding to how they can go about accumulating old money owed and the way they will notify potential clients about rates of interest, among different areas.

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For many, college graduation is the pinnacle of one’s academic career filled with excitement and promise. But as a first-generation college student with little to no knowledge of finance, credit or investing, my journey from school and into the workforce during the coronavirus pandemic was a turbulent one. 

I attended Mississippi Valley State University where I earned a Bachelor of Arts in English, with an emphasis on creative writing. I graduated early, in just under four years, in November 2020.

It wasn’t easy for me, but thankfully I had a small savings account and support systems in place to help me make ends meet while I started the long process of looking for a full-time job. Five months after graduation, I’m making it work as a freelancer while I look for something more long-term. Here’s how I manage my finances after graduation. 

I started building my credit when I first got to college

I got my first checking account before college. I chose the Chase College Checking account because it waives minimum balance requirements for students between ages 17 and 24. Soon after, I signed up for two credit cards to build my credit, a 0% APR card and one with an interest rate of 24.99%.

I didn’t know much about credit cards, other than I could use them to build credit. But when my car needed maintenance, I took advantage of the 0% APR window on my first card to pay for the $3,300 repair bill.

The extra expense took me by surprise, and I knew I needed to create a budget that worked to pay down my debt. In June 2018, I got a job where I made $11.50 per hour. I worked full-time, plus occasional overtime. It took me almost the full duration of my college career to pay off the $3,300 balance, from July 2018 to when I made my final payment in December 2020. But I was relieved to be credit card debt free right after graduation.

I started budgeting well before graduation

I’ve never been someone who found it fun to balance a checkbook, but I learned a few ways to make budgeting feel hassle-free as a college student working an hourly job.

One resource I found useful was the Spending Summary feature for Chase accounts. It breaks down your weekly/monthly expenses using a color wheel-type chart. Each expense category is color-coded for easy reading. It also features your account’s total withdrawals divided into sections like bills, utilities, food, shopping and travel.

I started looking at my budget breakdown whenever I logged in to the Chase mobile app on my phone or computer. Growing up, I associated budgeting with something people do only in times of hardship. But getting into the habit of looking at my budget breakdown every