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WHAT DO I DO ?

Landed Your First Job? Here’s How to Win Financially from Day One


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Congratulations on the new job! Before you go on a spending spree (we see you eyeing that new phone), let’s map out your money moves like a boss. Here’s how to make your first job count—for now and your future.





1. Money Mindset Reset: “I Work, I Save, I Grow”


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Before we dive into numbers, set your vibe. Repeat this mantra:

“I don’t just make money—I make moves with it.”


Write down why you want financial control:


  • Move out?

  • Travel solo?

  • Build a 6-figure TFSA, RRSP before 30?






2. Create a “First Paycheck Game Plan”


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Split your first paycheck into 4 creative “money jars” (you can use digital banks or envelopes):


  • Starter Stack (40%) – Rent, transit, groceries, essentials

  • Glow-Up Fund (20%) – Hair, clothes, work gear (you still want to show up sharp!)

  • Freedom Goals (30%) – Savings for emergencies, TFSA, RRSP, or side hustle start-up

  • Play Money (10%) – Guilt-free funds for brunch, dates, UberEATS, whatever makes you smile






3. Expense Forecast: What’s Actually Worth It?


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Must-haves:


  • Cell phone plan (check for work discounts!)

  • Transit or gas

  • Work meals or meal prep tools

  • Basic wardrobe upgrade



Trap Alert (Avoid Overspending On):


  • Daily coffee runs (get a cute travel mug instead)

  • Takeout every day

  • Tech upgrades just to “look” successful






4. Set Savings Goals Like a Pro (Even If You’re Broke)


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Think small, consistent, and meaningful.


  • $25/week = $100/month = $1,200/year

  • Automate it so you never touch it

  • Use visuals: Print out a savings thermometer or use an app that literally shows your future house/car/travel progress






5. Get Extra Clever with These Moves


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  • Use your job perks: Ask HR about bank partnerships, gym discounts, or wellness reimbursements.

  • Track your lifestyle inflation: Just because you’re making more doesn’t mean you should spend more.

  • Make your money earn for you: Open a high-interest savings account or low-risk investing app.

  • Buy a boss journal: Track every payday, money win, and spending slip. You’re building a financial powerhouse here.






Closing Reminder:



Your first job isn’t just a paycheck—it’s the launchpad for your entire lifestyle.


 
 
 

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