February 23, 2012

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How to Be a Smart 20-Something

You’ve graduated from college, started a new job, and got a new place. You don’t want to be the 20-something stereotype that is financially irresponsible and pretends like they are still in college, so here are a few ways to take your money seriously.

 

Don’t go into credit card debt. This may be the number-one failing of all Americans, so learn to stay away from it when you are young (it won’t get any easier to stop when you are older). This doesn’t mean you can’t use credit cards, but always pay off the entire balance, not just the minimum payment, every month. Not only is this financially responsible, but it will also give you an extremely good credit score.

 

Make a budget and stick to it. One key to avoiding credit card debt is a budget. And don’t just calculate your entire paycheck as what you can spend; did you know you should only spend 70% of your paycheck? The other 30% should be saved for surprise expenses and savings. Did you know that you should have enough money saved for three month’s living? If you want to give yourself financial security, you’ll need to take budgeting seriously.

 

Invest your money. Take part of the 30% of your paycheck that you are saving and invest it. You can go for stocks and bonds, IRAs, or other investments. Consider finding an online trading broker to help you make wise investments as well.

 

If you want to prove that you are a responsible and smart college graduate, you can start by taking money seriously, and saving and investing. Your friends will be impressed, and your parents will be proud.

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Find a job as a Website Designer

Getting into web design isn’t the easiest task. It’s one of the most competitive industries with many people vying for jobs at the best design firms. While it might be tough, there’s always going to be jobs since the Internet is getting even bigger by the minute.

KISS Insights wants to help you nail your dream job as a web designer. The big secret in standing out and landing a job is through networking. It’s not just about what you know, but also whom you know.

Here are tips to finding a job as a web designer.

Ask Around

It never hurts to let your friends and family know you’re looking to become a web designer. They might know someone looking for a designer… or they need one themselves. This is a quick and perfect way to gain experience and references.

Contact Small Companies

Small, local companies could always use a web designer, but can’t afford to hire a large web design firm. This is where you come in. Help design their website for a small fee. You’re still new to web design so you can’t exactly charge what bigger firms charge. If you do a great job, they’ll let other businesses know about you and this can lead to extra work.

Browse Forums

There are many websites and forums out there for web designers looking for full-time and freelance work. It’s another great way to network and find some freelance work. These websites will also post job opportunities in your area.

 

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Filed Under: Computer, Internet, Web Design Tagged With: , ,

Learning Technology

For those interested in finding an opportunity to truly become an expert at graphics, web design or other forms of technology, it is often best to do so by going back to school. This is one of the best ways to become active in the field. If you think you know everything about web design, you may not in reality.

What You Don’t Know

For many, going back to school seems like a challenge. Although you can learn anything through an online degree, it is important to see the real opportunities available to you in today’s market. Those opportunities are only present for those who have a degree. Consider the following.

  • If you go back to school, you will have a more specialized degree. A specialized degree can help you to land a higher paying job. Studies indicate that those who do have a specialized degree get paid more.
  • When you get a degree, even an associate’s level degree, you are capable of learning advanced aspects of the field. This means that you can learn to do more and do it all very well.
  • Becoming efficient, learning business management skills and becoming a more productive employee are all key things you will learn if you go to school that you may not know right now.

You may find yourself frustrated with the limited opportunities available to you in the world of technology without a degree. However, getting that degree really has never been as easy as it is now. Consider how you can get started.

 

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Filed Under: Computer, Internet, Web Design Tagged With: , ,