So, as a continuation of my previous post [Fresh Grad 101: Getting that First Job], I made a poll on Twitter and Instagram to see what people want me to write about. While the results seem pretty much evenly spread between Networking/connecting, Interview experiences and Personal Finance, the last one seems to have won by a tiny margin, so I guess that’s what I’d be writing about today.
I would not go too much into the detail of personal finance, because (1) I really want to sleep by midnight (if possible), and it’s already 11:06pm as of now, and (2) I’m not too well-versed in it so I’ll leave it to the people who have been in this field for longer to give all the professional advice and everything.
I will, however, share some of the things I do to keep my personal finance in check, and yes, that means saving up for my wedding (happening in less than 10 days, fyi), tracking and managing my expenses, saving up for future goals (a car, a house, a kid, etc), emergency funds and everything in between.
Do note that this is a sharing post, mostly on my own experiences and what I read and/or talked to with my friends and colleagues, and may differ with your experiences. Everyone has different needs and requirements, so feel free to tweak and adjust as needed to suit you and your lifestyle.
Early notice: This post is written based on my own experience, and what I’ve learnt or saw in my life or in the lives of people around me, or what I’ve read online on Facebook / LinkedIn / Twitter, etc. It’s based purely on my own thoughts and opinions, unless stated otherwise, and it may be different from your own experiences, in which I encourage you to share with me in the comments below so people can benefit from a myriad of perspectives 🙂
I’ve been wanting to write a post with the cliche tips and advice for fresh graduates and all, but the thought that “Oh, you’re a fresh graduate yourself, who or what gives you the authority to write about like that when you’re just experiencing it for yourself?”
(yeah, I debate with myself all the time about my own credibility and if I’m good enough to write about the things I want to write, which ends up leading to me not writing anything because I feel like I’m not qualified enough to write about it, which defeats the purpose of me writing and sharing my thoughts and learning from others as well)
But then again, I think about what I’ve done in the past, and how I do things without even caring if I am good enough or not to do them, (i.e. being OSSP Junior in INTEC and helping out my friends in their university applications, even when I was applying myself, and doing Projek Inspirasi and talking about tips and all for choosing programs and universities when I was a student myself), I figured, f*** whatever people say, I don’t want to not embark on a knowledge exchange / discussion just because I don’t have a proper qualification or certification. What’s the point of life, anyway, if you hold yourself back all the time?
Almost a year ago, someone asked me a question on my Ask.fm, and I’ve been meaning to answer it, but as always, I kept putting things off. Thought that now is a good time (better late than never, huh?) to answer it, as it’s been a year since I graduated from college, and the past year has given me tons of time to reflect on my college life experience and to think about what I actually carry with me after I left my second home, Madison.
“Did you imagine the [university] life before you study in the [university]? So, is it same with what [you’ve] imagine[d]?”
So, remember about 3 years ago when I did the Radiance21 Scholarship Project for my 21st Birthday? That was cool, no? I mean, raising a total of RM15,600 within a month and converting it into a scholarship on SkolaFund was pretty lit, no?
But you wanna know what’s even cooler?
How about trying to raise RM1,000,000 within a month to make higher education accessible to students from less privileged backgrounds?