Graduating

You have a job... Now what?

• Thoroughly review your offer- Use a job evaluation checklist to ensure the salary and benefits align with your financial needs and goals.
• Understand your employee benefits- Discuss crucial aspects with your employer, such as retirement planning, insurance, investments, and possible compensation for moving expenses and travel costs.

What Sources Can I Trust for Information?

Whether you are learning to adjust to a new budget or find insurance, it is hard to tell which sources of information will be the most helpful and accurate. Here are resources that could be helpful:

• Insurance Information Institute- This offers reliable and unbiased information on various insurance topics.
• Helpful financial publications-  This list of recommended reading from us can assist you in your transition to the "real world."
• Other helpful links- This is a list of websites that could be useful to you in managing your finances at any time.
• Online Financial Calculators- There are reliable financial calculators you can use to answer just about any financial question imaginable.

Cost of Living Calculator

While salaries can vary significantly between cities, remember that the cost of living also differs. Before making a decision based on salary alone, use these calculators to compare living expenses and ensure the higher pay truly offers a better financial outcome for your desired location.

Bankrate Cost of Living Calculator (if you're moving)

NerdWallet Cost of Living Calculator

Other Helpful Tips

• The BYU Alumni Association offers discounts on life, home, health, and auto insurance.
• Be sure you filled out your tax forms correctly and have taken out the exemptions for which you qualify.
• Create a spending plan and use a budget calculator to have a well-structured budget to keep track of your expenses.
• Have an emergency fund and food storage on hand.
• Establish and keep your credit score up so you can buy the car and house you want.
• Use a loan calculator to see how long it will take you to repay your student loans.
• Consider renter's insurance if you will be renting, to protect yourself from potential losses due to theft or damage.
• Start wisely investing your money.