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What next? WHAT NEXT? A party, most likely, followed in most cases by a very long vacation. Look, all jokes aside, you’ve just finished a schooling journey that has taken the better part of two decades, and has shaped your world, your social circles, pretty much everything. No-one can begrudge you a bit of R&R.

Whether you’ve been planning your post-grad vacay since day one on campus, or you’re winging it with mates, be sure to enjoy it – make memories that will last a lifetime. You’ve earned it!

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You thinkin' Gap Year?

Of course you are. School's out - time to cast off student life. Spend a little time on you and see the world.

Next Steps

Now, regardless of how long you decide to spend decompressing after graduation, you may eventually turn your thoughts to the yawning expanse of time that is your magnificent future. The realisation that you’re now out on your own can be both liberating and jarring, so don’t freak out.

While everyone’s path will be different, it’s widely considered that there are three main options for post graduates:

1. More Uni

This option won’t be for everyone, but if you loved Uni, and you’re eventually thinking about getting into a specialised field where post-grad study will help you get ahead and stay ahead, heading back to the books might be the goods. Just be sure you not only love the field you’re studying, but you also have an exit strategy – think about how you’ll eventually transition into the job you want.

2. World of Work

Start earning straight away and paying back your debts – seems like a good option, right? It sure can be, and for many jobs, the sooner you get on the ladder, the better. However, with more and more post-grads changing the model when it comes to working arrangements and career progression, just make sure you can clearly identify the path you’ll take towards where you eventually want to be in the workplace.

3. Break the mould

For some of us, there is no other option but to strike out on our own. Starting something straight out of Uni is exciting, in that it can be a gamble, but there is also a huge potential upside if you play your cards right and work hard. At this point in your working life you have nothing to lose, and everything to gain.

Start adulting better

Depending on your working and living situation while you studied, you may need to play catch up a little bit when it comes to your financial literacy. It’s just time. Trust us.

1. An account that works for you

At your age, you’ll appreciate the value of a little help, right? No need to mourn the loss of student discounts – if done right, your money can look after itself. Here’s how – our Life Saver is designed to earn those under 25 bonus interest as long as their savings balance grows each month.

2. Pay down debt, but don't stress

Sure, your student debt will need to be addressed, but it’s not something to stress about. As you begin earning enough, you’ll chip away at it, and with a little boost here and there (try putting an extra chunk of your tax cheque towards it) your student debts will be a thing of the past.

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Your digs

Now that your Uni days are behind you, you might find yourself wanting to move on up in the world, to the brighter side of the street. Whether you’ve spent your Uni days bunking with Mum and Dad in the ole’ family homestead, or you endured the delights of one (or many) share-houses, it’s natural for you to re-assess your living situation after you’ve graduated.

Whether you’re moving out for the first time, or you just want to treat yourself to a more adult transition, we’re excited for you. No more need to hide your Netflix password and label your food!

Home is where the heart is

Moving out on your own for the first time? Make the move stick with our handy how-to guide.

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You do you

Now that you’ve graduated, chances are you’ll enter a period in your life where you’re without the structured social environment of schooling for the first time in over 15 years. This can be a bit daunting, and you should be prepared for a fair deal of change.

It’s important during this time to celebrate your successes, and not be too hard on yourself because of your failures – you’re still young, and this is the time when you’re meant to discover who you really are.

Don’t compare yourself with others – financially, socially or career-wise. Everyone’s path is different, and many is the successful leader or career-person that has changed direction mid-stream, or pulled up stakes to start something new.