So you just graduated from high school. Congratulations! You are officially, if you are 18 and above, considered an adult in most countries on this earth. And as an adult, you have now realized that you must tackle this thing called adulthood. This transition represents not just a change in age but a significant shift in responsibilities. One of the many challenges that come with adulthood is recognizing and figuring out what expenses you will now have to manage and take on as a young adult.
So what are these responsibilities that are now required of you? Well, here are the top 10 things that are now your responsibilities now that you are above the age of 18.
1. You are now expected to get a job. No more excuses of being in school. Now that you are heading for college, be it community college or university or trade school, there are no more excuses about working and schooling at the same time. Not only is this a critical step to your financial independence, but it will also teach you valuable skills such as time management and professionalism that you will need in your future career. You are now old enough to decide your schooling hours; thus, you can work and go to school simultaneously. So get a job that aligns with your interests or offers flexibility and paid well
. 2. You are expected to either go to a community college, university, or trade school. Yeah, you’re still not done with school yet. Those who have a college degree or at least went to trade school have a higher chance of being hired and being paid well. With the evolving job market, furthering your education in a field that excites you or at least pay well will enhance your opportunities. So off you go for either 2 years or 4 years of more schooling; remember, this investment in your education is an investment in your future.
3. Unless you are living with your parents, you are now expected to pay rent. Whether you are living with friends or alone, housing is now part of your responsibilities. It is essential to start planning your budget wisely to ensure you can comfortably afford your rent along with other living expenses. Consider researching various neighborhoods to find affordable options that still offer easy access to essential amenities like grocery stores, public transport, and recreational areas. Good will hunting for apartments and house rooms near your colleges or university becomes an exciting yet challenging task; not only do you want a place that feels like home, but it should also be practical and convenient. Make a list of your priorities—such as location, price range, and the number of roommates—and be prepared to compromise, as the right housing situation can significantly enhance your college experience. It will also affect your schooling and job opportunities, so choose wisely where you live.
4. You are now expected to budget for your living expenses. Yep, that’s right; you are now expected to become educated in the area of personal finance, if not already. It’s essential to understand that budgeting is not just about tracking your income and expenses, but also about planning for the future and achieving your financial goals. So either go to your local library and find out how to budget, take a class, watch a YouTube video, or just ask around. Many resources are available to help you make a budget that suits your lifestyle and needs. Whether you choose to seek knowledge from books, online courses, or community workshops, the important thing is that you take the initiative. Remember that some people prefer to buy a book on Amazon and have it shipped to their location, which can be a convenient option if you are looking for structured guidance. But yeah, get this in order, as managing your finances effectively is crucial for your overall well-being and future stability. Or it will cost you.
5. You are now expected to feed yourself if you are not living at home. Even if you are living at home, it is now expected since you are entering this new stage of life as a young adult. This transition comes with various responsibilities, one of which is managing your finances effectively. So, learn to budget monthly, taking into consideration all your expenses, so you don’t starve. A well-planned budget will help you prioritize your spending and ensure you have enough for essential items. Additionally, if you find yourself struggling to make ends meet, at least consider finding a good food bank in your community, whether it be affiliated with a church, a local nonprofit, or the city itself. Many organizations are eager to assist those in need, and they provide not only food but also guidance on other resources available to you. Because you are going to need it as you navigate this journey into adulthood.
7. You are now expected to take yourself places. No more mom or dad or school bus; this newfound freedom comes with the reality that you are solely responsible for your transportation. If you plan to get a car, it’s essential to learn how car insurance and car payments work, as these financial commitments can significantly impact your budget. Consider researching different policies and understanding what coverage you need, as well as how to maintain your vehicle effectively. Alternatively, familiarize yourself with the bus system in your city—study the routes, schedules, and payment options available to ensure you can navigate your way efficiently. If public transportation isn’t your preference, getting a bike could be an excellent way to stay active while also saving money, yet also requires understanding proper maintenance and safety procedures. Either way, this is your responsibility now that you are out of high school, and mastering these transportation options will be crucial for both your work and schooling. Embracing this newfound independence will not only prepare you for daily challenges but also foster a sense of self-sufficiency that will serve you well as you embark on this exciting new chapter of your life.
8. You are now expected to understand how banking works and get yourself a savings and a checking account, as these are essential tools for managing your finances effectively. Don’t sweat; most banks offer specific accounts tailored for college students, so it’s worthwhile to ask your local bank, such as Chase, about their student account options. These student accounts usually don’t have monthly fees or require a minimum balance, making them a convenient choice for young adults just starting to manage their finances. Additionally, banks sometimes even offer credit cards to students, which can help build your credit history if used responsibly. However, it’s crucial to understand how credit cards work and the implications of accruing debt before taking one on; misuse can lead to financial trouble later on. You will need this banking knowledge not only for your own personal dealings but also for work and schooling, as understanding budgeting, saving, and leveraging credit is vital in today’s financial landscape. Start exploring your options today to secure a stable financial future.
9. You are now expected to handle your own medical expenses and problems. So it’s essential to learn about healthcare benefits and how the system with your chosen hospital works. Familiarize yourself with the various services available, from routine check-ups to specialized treatments, and don’t hesitate to ask questions if you’re unsure about anything. It’s also important to figure out when to go for appointments on your own. No more mom or dad to set them up; that responsibility falls squarely on your shoulders now. This includes doctor appointments, dental visits, and any other healthcare needs you may have. You might even want to consider creating a calendar or reminder system to ensure you never miss a crucial appointment. As you step into this new phase of life, remember that managing your health is not just about making appointments, but also about understanding health insurance, knowing how to advocate for yourself, and being proactive about your wellness. You are a young adult now, navigating your way through a world of responsibility, and you are no longer a high schooler relying on others to take care of these matters for you. Embrace this independence—it’s an important part of growing up!
10. Last but not least, you are expected to get your backside to church on your own, taking this responsibility seriously as part of your personal growth and maturity. No more mom or dad to make you go or drive you there; it’s now entirely up to you to make that decision and commit to your faith. Embracing this independence can be both liberating and challenging, as you learn to prioritize your spiritual well-being amidst the many distractions of life. You are also expected to remember collection money each week or at least each month, budgeting accordingly to ensure you fulfill this important duty. Ten percent of your income is now your responsibility to give to Jesus Christ via the church, a practice that not only supports the church community but also reinforces the values of generosity and gratitude in your life. As you navigate this journey, remember that your contributions are an expression of your faith and commitment to live out the teachings you cherish.
From daily necessities like food, housing, and transportation to the importance of budgeting for things like healthcare, education, and leisure activities, you will quickly learn that the financial landscape of adulthood can be complex and daunting. Additionally, navigating the world of bills, credit, and savings can feel overwhelming, but it is an essential part of becoming independent. Embracing this new phase with a clear understanding of your financial responsibilities will not only help you establish stability but will also empower you to thrive as you pursue your dreams and aspirations.
Thanks for reading and have a lovely day. Good bye for now.
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