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Blog

A Note to Young Adults: Don’t Go to University, Follow This Strategy Instead ๐Ÿ‘€

12th February 2019

university backup

I believe university should be your last resort, notย your first choice. Meaning, the first thing you should do when you graduate high school is not university. Note the I believe. This an ... Read more

You Don’t Need a Million Bucks, You Need a Cash Cushion โšก

7th February 2019

financial education

Let me tell you a secret: You do not need a million pounds. You need a cash cushion. What? Yes. We all think we're going to need a ton of money to do the things we want to do. But truth is, you ... Read more

Getting an Estonian E-Residency; the Pros and Cons

5th February 2019

estonia e-residency

A cool place to plant your business flag: Estonia Estonia is a small country in the Baltics that literally turned 100 years old last year. It emerged as a ruined former Soviet republic, and now ... Read more

Master 2 of These 6 Skills and You’ll Always Be Able to Make Money ๐Ÿ™Œ

31st January 2019

money making skill

Having the confidence that youโ€™ll always be able to make money is life changing. ๐Ÿ’ธ Working on money making skills is essential when weโ€™re young, so that you can afford to do that unpaid internship, ... Read more

Why Student Internships Are A Great Tool to Figuring Out What Fulfils You

29th January 2019

I always say that when you're young you want to be figuring outย what you like doing/what fulfils youย notย trying to make as much money as possible.ย  This is simply because we have a short amount of ... Read more

Lifestyle Inflation: The Number 1 Thing You Need to Be Aware of When You Get Your First Job โ˜ 

24th January 2019

lifestyle inflation

Lifestyle inflation is another name for the monster under your bed. ๐Ÿ‘พ Why? Because you never think it's there, and everyday it slowly creeps up closer to your pillow while you're sleeping. And then ... Read more

An Investment Banker Tells Us What He Would Do Differently at Age 20 (Hint: Not Banking ๐Ÿ˜›)

22nd January 2019

investment banker blog

What would you do differently at age 20 knowing what you know now? I love asking people this question, because although in hindsight 'we're always going to be right', I still feel other twenty ... Read more

Flag Theory: Tax Strategies to Keep More of Your Money

17th January 2019

tax strategies

So now youโ€™re making money - how do you keep it? For people who have started their own business or who are earning a higher income, I believe itโ€™s important to know flag theory and some tax ... Read more

Online Only Banks: How to Use Tech to Make Budgeting 1000s Times Easier ๐Ÿ’ธ

15th January 2019

online only banks

I believe online-only banks are the future.ย ๐Ÿ”ฅ These are banks that donโ€™t have physical branches, that only exist as an app on your phone and are extremely intuitive and simple to use. You may know ... Read more

Why You Should Start Investing in University

10th January 2019

investing university

The younger you start investing the better. You can start investing even in university, you wonโ€™t lose all your money and itโ€™s not complicated. It's all those myths out there that make people ... Read more

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Hey hey ๐Ÿ‘‹

My name's Araminta and I'm a 20 year old studying online, interning part time and working online.

I started Financially Mint to help other 20 something year olds learn about money and fix their finances early in life ๐Ÿ’ช

As seen on

Testimonials

‘I immediately loved your site and though I’ve been working for the last 6 years, I wish I had followed a lot of your advice when in university. I should have worked part time to earn some extra money and invested it. I would be much further along if I had done that.’ – Jalpan from Passive Income Engineering

Categories

Recent Posts

  • 5 Ways to Invest in Yourself in Your Twenties
  • How Life Design Interviews Will Help Get Your ‘Dream Career’
  • How Career Building and Exploration Allowed FG to Earn a $500,000 Salary
  • Career Capital: What it is and How to Build it
  • The 5 Rules to Effectively Manage People ๐Ÿ‘ฆ

financiallymint

Instagram post 2073216360482942255_8362148112 Financially Mint is on another break! โ˜•

I will be living in Kuala Lumpur, Malaysia for the next few months, and then hopefully heading to Australia. 
My plans for the next year:

I'm putting the career testing theory into practice. My next career test is working for an NGO here in Kuala Lumpur. This week will be my first week. I will be working with sex trafficking survivors and I've also been asked to do some financial education presentations to help the staff.

After that the plan is to move to Melbourne, Australia, and do my next career test: consulting. If that doesn't work out I will try another career test which may be more achievable: business development in a startup. Thanks to the amazing career books that I've read, I'm pretty confident I can get an interesting job. We'll see how it rolls. ๐Ÿ€

How am I funding this? I'm very excited to say that I've managed to grow my part-time freelancing income to a full-time income that can sustain me in South East Asia (I would need to work full-time in Europe). I'm calling myself a 'Freelance FinTech Writer'. Rent is crazy cheap (like 300โ‚ฌ/month) and it's literally cheaper to eat out than cook. I'm still able to save 15% of my income. ๐ŸŽ‰๐ŸŽ‰ The increase in clients and pay has been thanks to all the effort I put into Financially Mint, and to some crazy cold emailing and networking in the past few months. 
After some thought, I concluded that learning mark-up language (HTML + CSS) was a more efficient use of my time than writing blog posts and working on FM... so I am now taking a break to learn some basic coding and decide what to do next.

I will still be podcasting and taking part in the FI community on Twitter and everywhere else... so I'll still be seeing you around ๐Ÿ˜‰

To our success ๐ŸŽ‰๐ŸŽ‰
Instagram post 2055345108242345122_8362148112 Only 30% of jobs are posted online. ๐Ÿ™„

Let's say you've got a list of career paths to test. You've figured out a direction, you know which sector you want to work in and you've got some cool companies in mind.

But then what? How do you get an internship in the company you really want to work for? How do you get a job in that specific NGO? How do you get them to notice you? ๐Ÿค”

In FM's latest post I share a strategy that I am still testing but seems to work - copied from a book titled 'Designing your Life' by Bill Burnett and Dave Evans:

The strategy: Conducting 'Life Design' Interviews. .
A Life Design Interview is basically meeting the person that has your 'dream career' for coffee. โ˜•

You find someone who is working at the company you want to work for, in the sector you want to work for or simply has a position you're interested in, and you reach out to them (LinkedIn helps). You ask about their story, their position, how they got to where they are and their advice to people starting out. 
This is what I've been doing for the past month in Edinburgh, and of the 40 people I contacted, I met 8 of them for coffee, my goal to simply learn about their story.

With an added bonus: Trust. โœ…

Not only did I learn stuff about working in a startup, or as a content writer or working in an NGO, but I also built a trusted connection. It's those connections that help you find the hidden jobs, the dream careers and the best opportunities.

Check out FM's latest post for a proper run down on Life Design interviews. ๐Ÿ’ช (Last week we organised the FI Europe podcast retreat! An amazing 4 days doing speeches, masterminds, debates, boat trips, beach and surfing. Post on this coming soon ๐Ÿ”ฅ)
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#financiallymint #budget #budgeting #personalfinance #savinghacks #makemoney #savemoney #money #shoestringbudget #moneyhacks #moneysavinghacks #financialeducation #financialfreedom #adulting #savingtricks #earnmoney #lifeadvice #counsel #careeradvice #retirement #investing #careerbuilding #skillbuilding #career #selfimprovement #inspiring #fieurope #lifedesign #interviews
Instagram post 2048918677291520760_8362148112 Investing in yourself now will return bucket loads in the future. ๐Ÿ”ฎ

I talk a lot about this on Financially Mint - how taking the time to build career capital and explore career paths will allow you to find a career of best personal fit, which will then make you the money you need.

But it is true that I am personally at the very start of this journey, and so can't offer many examples of this working. ๐Ÿคทโ€โ™€๏ธ Well today, this changes as I interview the Financial Gladiator, who did exactly that.

He went to university to study business in Poland, and finished his masters in Australia. In the meantime, he was doing internships, making connections, building skills and beefing up his portfolio. 
He says it himself: ' I always looked to add experience and skills to my repertoire rather than dollars' ๐Ÿ’ธ.
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7 internships later in several different countries and industries and a lot of hustling, moving around and learning about what career fitted him best, FG ended up in a job that paid him a six figure salary. This kept on snowballing, and in his early thirties he hit a salary of over $500,000. .
That goes to show how much investing in yourself can return in the future.
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$500,000 annual salary doesn't need to be your goal, but it still goes to show that you'll make the bulk of your money after investing in your own career. ๐Ÿ“ˆ

A great interview filled with actionable career advice and FG's complete story, check out FM's latest blog post! (Edinburgh castle ๐Ÿ”ฅ)
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#financiallymint #budget #budgeting #personalfinance #savinghacks #makemoney #savemoney #money #studentmoney #studenthacks #studentlife #shoestringbudget #moneyhacks #moneysavinghacks #financialeducation #financialfreedom #adulting #savingtricks #earnmoney #lifeadvice #counsel #careeradvice #retirement #investing #careerbuilding #skillbuilding #career #selfimprovement #inspiring #work
Instagram post 2044473074964706762_8362148112 Most of us don't know what we want to do in our twenties ๐Ÿคทโ€โ™€๏ธ. And that's absolutely normal.

But that's why we don't want to be committing to one thing - who know what you might want to do in 5 years? ๐Ÿง

Instead of committing, why not be exploring, investigating and testing career paths. But how can you do this cleverly without being a typical 'millennial-career-hopper'? By building career capital at the same time.

This means that every career test you do will help you build skills, connections and a more solid portfolio. If you have no idea where to start, here are some examples of jobs/activities that can help you build career capital:

1. Working for a growing organisation with a growing performance: this could be consulting, a startup - anywhere with a good mentor and team ๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘งโ€๐Ÿ‘ฆ
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2. Graduate studies - for those who want to work in research, a think tank, etc.
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3. Building a valuable and transferable skill - skills such as writing, programming, designing, data science, etc will always be useful in the future ๐Ÿ’ป
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4. Creating content - you don't always need a shiny piece of paper or a medal to show that you've done something. Creating your own thing can be just as useful.
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And much more amazing career advice... in FM's latest blog post ๐Ÿค“
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(Iโ€™m running out of pictures to post so hereโ€™s one of a beautiful evening in Edinburgh) .
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#financiallymint #budget #budgeting #personalfinance #savinghacks #makemoney #savemoney #money #studentmoney #studenthacks #studentlife #shoestringbudget #moneyhacks #moneysavinghacks #financialeducation #financialfreedom #adulting #savingtricks #earnmoney #lifeadvice #counsel #careeradvice #retirement #investing #peoplemanagement #skillbuilding #career #selfimprovement #inspiring #work
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