What You Need To Do Before Asking For A Raise At Work

4326186183_605559723b
Share on FacebookShare on Twitter+1Pin it on PinterestSubmit to redditShare on TumblrShare via email

I want to start this by saying I’m not planning on asking for a raise any time soon, so don’t worry, Warren. (FYI, that’s my boss.)

But, as most people are, I’m planning to ask for a raise eventually. You may be thinking about this future as well, as 2014 comes to an end. After speaking to some people whose opinions I value dearly—my coworkers, people I look up to in my industry, and my mom—I’ve learned that the time to start planning to ask for a raise isn’t when you want a raise. It’s right after you got the first one (or in my case right after you get hired).

Here are four things you should do in the planning process.…

4 Benefits Of Having Student Debt

2653462361_47fcd5156a
Share on FacebookShare on Twitter+1Pin it on PinterestSubmit to redditShare on TumblrShare via email

I’m no stranger to the student debt blues. You know, that overwhelming feeling that you made a horrible, horrible decision regarding going to college? Or maybe it’s just a twinge of frustration that you can’t afford anything. Like at all. Like scrounging for quarters to get something off the dollar menu for breakfast at all.

Do you know the feeling?

Instead of wallowing in self-pity, I’ve chosen instead to reflect on the reasons why having student debt is actually a good thing. Here are my top four.…

3 Myths About Your Credit Score Debunked

080918-N-0659H-001
Share on FacebookShare on Twitter+1Pin it on PinterestSubmit to redditShare on TumblrShare via email

Lately, I’ve been compulsively checking my credit score. I needed a new apartment, I’m applying for loan consolidation, and I’ve been looking into getting a credit card. I wanted to know if these applications impacted my score.

Then, I was on the phone with my mother recounting my obsessive rituals—and she yelled at me: “You can’t do that!! It will RUIN your credit score. Every time you check your credit it goes down!!!”

Well that’s no fair … and it turns out, not true.…

How To Get The Apartment You Want With No Credit (Or Bad Credit)

160988171_3cdab4c573
Share on FacebookShare on Twitter+1Pin it on PinterestSubmit to redditShare on TumblrShare via email

I have some confessions to make.

I have almost no established credit. My boyfriend has bad credit. He’s looking to switch jobs in the near future. I’m a recent college graduate who has not held my job for very long. Oh, and we have a cat.

So, basically, we’re a landlord’s worst nightmare. Of course, we didn’t know this until our application for an apartment we really wanted was rejected.…