4 Essential Adulting Tools Every Fresh Grad Needs

Congratulations, Pinoy fresh grads! Welcome to the real world. It’s important to lay a solid foundation for yourself and your finances. Consider this your Adulting 101 reminder as we've listed down a few essentials that will help you navigate the exciting grown-up realm.

Valid Government IDs 

Believe us, government IDs are more important than you think they are, especially during your job hunt. Start by obtaining the easiest to get, the Postal ID, by visiting your local post office. Then, you can use it to apply for more government IDs like PhilHealth ID, Passport, driver’s license, and more. It’s better to work on getting this done before you join the workforce as they are often part of your requirements for various transactions, and they can open doors to opportunities in your personal and professional life.

A Solid Budget Plan 

Start strong with your first paycheck! Develop financial discipline right off the bat by creating a budget plan that accounts for your savings and expenses. Track your spending, prioritize essentials, and allocate at least 10% of your salary to go to your savings.  Set clear goals and work on them slowly but surely. Make sure to review and adjust your plan accordingly regularly especially when circumstances change or when you notice areas where you can optimize your spending. Don't forget to celebrate milestones and reward yourself when you achieve your goals.

A Reserve Fund

Making big-ticket purchases should not exhaust your personal savings or cover you in debt. To avoid such situations from happening, create a separate stash or account for your reserve fund. Whether it's saving for a dream vacation, your first car, or your dream wedding, a reserve fund ensures financial preparedness and peace of mind. 

An Emergency Fund

Starting an emergency fund should be one of your priorities. Aim to save at least three to six months' worth of your living expenses to make sure you have enough once the rainy day comes. This fund can act as a safety net during unexpected situations such as job loss, medical emergencies, or any unforeseen big expenses. Start small and be consistent in setting aside a portion of your income until you reach your target amount.


Give your emergency fund a little boost by putting it somewhere it can grow the most. With CIMB Bank, you can earn 12% p.a. on your savings! All you need to do is to open your first UpSave or GSave account with us. Open an account right on your mobile phone in as fast as 10 minutes and set yourself up to secure a financial future.


Visit this link to learn more about the 12% p.a. Interest Promo.


Start working towards your life purpose as early as today with CIMB Bank.


Download the app and open an account now! 

Deposits are insured by PDIC up to P500,000 per depositor.

CIMB Bank Philippines Inc. is regulated by the Bangko Sentral ng Pilipinas.