Money for Students and First job
Money for Students and First Jobs: A Plain-English Starter Guide with Workbook
Nobody hands you a manual when the money firsts start arriving. This guide is that manual, written in simple language, with real examples, and no finance degree required.
Why this book?
Between 18 and 25, big money moments pile up fast: your first paycheck, your first bank account, student loans, a credit card, maybe your first place. The habits you form now can follow you for decades. This book helps you start them well.
What you’ll learn
How to read your first paycheck, and why take-home pay is smaller than you expect
How to pick a bank account and avoid fees
How to build a budget on a student or starter income
How student loans work, and how to borrow only what you need
How credit scores and credit cards work, and how to use them well
Why saving early gives you a huge advantage
How to compare job offers and earn side income
What to budget for before you move out
How to spot job scams, fake checks and other common traps
A simple 30-day plan to get started
Learn by doing
Most chapters end with ready-to-use workbook pages, 13 in total. They include a paycheck breakdown, a payslip checker, a bank account comparison, a student budget, a subscription audit, a student loan planner, a credit card tracker, a 12-week savings tracker, a job offer comparison, a side income tracker, a move-out cost planner, a scam check and a 30-day checklist. Print them and fill them in as you read.Also included
Worked examples and plain-English tables
Common mistakes to avoid
A glossary of key money terms
Links to free, trusted resources for further learning
Who it’s for
Students, school and college leavers, new graduates and first-time workers, plus anyone who wants a clear, jargon-free place to start.Format: PDF, 33 pages, A5 size. Printable workbook pages are built in.
What you'll get
- Made for ages 18 to 25: your first paycheck, loan and apartment Plain English: no jargon, no finance
About the creator
📚 Finance made simple for beginners 💰 Learn to budget, save & manage money 🎯 Practical guides for real-life problems 👇 Your money journey starts here
🏬 Visit storeFrequently asked questions
Who is this ebook for?
It’s for people aged about 18 to 25: students, school and college leavers, new graduates and anyone starting a first job. It assumes no finance knowledge. Every term is explained in plain English, and there’s a glossary at the back.
What topics does it cover?
Reading your first paycheck, choosing a bank account, budgeting on a student or starter income, student loans, credit scores and credit cards, saving early, comparing job offers and side income, moving out, and avoiding scams. It ends with a 30-day plan to get started.
What is the workbook, and do I need to print it?
The book includes 13 workbook templates placed after the relevant chapters. They include a paycheck breakdown, a student budget, a subscription audit, a student loan planner, a credit card tracker and a scam check. Printing them is the easiest way to use them, but you can also copy the layouts into a notebook or spreadsheet. They aren’t fillable on screen.
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