The Post-Grad Survival Guide
The Post-Grad Survival Guide — A Millennial Work, Money & Life Advice Publication

Perhaps it’s time to head back down the mountain

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When I quit my marketing job, the hardest part was admitting that I was a beginner again.

When people asked me what I did, I couldn’t say, “I work in marketing.” I had to say, “I’m a writer. No, you probably haven’t seen any of my work…”

For me, marketing was a dead-end. I was pretty high up on the mountain, which made me feel good, but I couldn’t go any higher. …

Becoming smarter and wealthier doesn’t have to be so difficult

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Money makes the world go round, so the saying goes. Indeed, you can’t do much without money. I know this better than most.

After three years living in Australia and New Zealand and traveling in Southeast Asia, I’d gone from a position of financial strength to one of weakness. When I was living in Barcelona, teaching English, my savings were whittled down to almost nothing. Even though I built my finances back up after working back in the UK for a few months, that soon went when I moved again.

My situation got so bad I only had a few pounds to my name in my bank account at one point. Before I left home in 2012 to go to Australia, I had more than five figures in the bank. Five years later, despite working for the majority of that time, my finances had turned to dust. …

Tip #1. Slow down and save first

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“Good debt is a loan that has the potential to increase your net worth. Bad debt involves borrowing money to purchase depreciating assets.” — Investopedia

There is no such thing as good debt. People like to say small business loans, student loans and house loans are ‘good.’ People are wrong.

The average US small business owes $195,000, and a quick search shows business loans anywhere between 6% and 35%. Over 10 years, the payback for a loan of this type would be somewhere between $260k and $700k.

Leveraged companies, I’ll hand it to you guys — you must have balls of steel to take on that kind of risk. …


The world of work is changing beyond all recognition

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Somehow I did it.

Against all the odds, I managed to land a job in a big multinational company, in my field of study, straight after I graduated. I have a ‘stable’ job in one of the most unstable periods in recent human history.

Starting your career right now, like doing almost anything in 2020, is weird.

My commute is waking up and moving from my bed to my desk in my shared rental flat. Zoom, Teams and Outlook are all that I’ve known since day one. …

It’s the conversation that no one wants to have at work.

Photo: Emiliano Vittoriosi/Unsplash

It’s the conversation that no one wants to have at work. Not you. Not your boss. Not even Human Resources.

It’s the dreaded Performance Improvement Plan or ‘PIP.’

A PIP is different from a Written Warning in that it isn’t about addressing an isolated incident. A Written Warning is for infractions like showing up 2 hours late or unknowingly violating a policy.

This is unacceptable. Don’t let it happen again. Move on.

Sure, it doesn’t make you feel warm and fuzzy inside but mistakes happen, and you can avoid repeating this one fairly easily.

A PIP, on the other hand, feels more personal. It addresses a pattern of behaviors or shortcomings that cut to the core of your professional identity. …

Are you being fooled by randomness?

Photo: Annie Spratt/Unsplash

We tend to overly romanticize novel ideas.

For generations, the conventional recipe for success was “go to school, get good grades, and get a good job.” But over the past few decades, this advice has seemingly been made obsolete by the fact there’s a long list of people who dropped out of college and became extremely successful: Mark Zuckerberg, Bill Gates and Steve Jobs, to mention a few.

On the face of it, it’s very inspiring that these people were able to go against “the system” and carve out a new pathway for themselves. …

I seem to have everything in life except for financial stability.

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I have made it through adversity to become the happiest person I know, the best version of myself, and an individual who is worthy of love. I have a beautiful romantic relationship, a blossoming career and education, and all of my bills are paid. Yet as I write this, I am in a one-bedroom apartment with no savings to speak of and thousands of dollars in credit card debt. I wonder: how did I manage to get everything I ever wanted in life except for money?

A wise person might tell me to count my blessings and my therapist might ask me to make a “gratitude list” and write down all I have to be thankful for for an improved perspective. …

If you relate to these issues you’re not doing what you want

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One topic that gets a lot of airtime in the self-improvement world is how to figure out what you really want and how to build yourself up to get there.

But how do you know whether your current occupation is right for you?

It may sound like a silly question, yet the answer can be less obvious than you would expect. …

My content marketing plan for 2021

Image: Anastasia Gubinskaya/Shutterstock

I started blogging almost seven years ago, but it wasn’t until the last four years that I saw the potential of working from home for good. That was also the time my husband realized it and decided to join my business, and help me run it.

For many new bloggers the idea of making your first $1,000 from your blog is a gigantic feat, but I want to talk to those that are already making money blogging but want to double their income or scale their business.

So, how will I go from $20k/month to hopefully $50k/month from blogging?Let’s …

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