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Hey guys, I've lurked here for a while, and I have finally decided to post a bit about me and to see if i can get some help with a few of my questions.

Ok, so here is the basics of my current situation

20 years old, Been employed 4 weeks, $9 an hour before taxes, just started a bank account with $220, with $25 in savings, rest in checking.

Work situation: ok, so my work situation is kinda odd from what seems normal, but I'll try and explain it.

I started working at a local computer repair store in my town. I have known the owner for 10+ years. I started "working" there a few days after thanksgiving, but was working as an unpaid intern up until January 15th, where i was put on payroll for $9 an hour. I spent about 100 or so hours working as an intern before they put me on payroll. Right now i am comfortable working for $9 an hour, as the arrangement I made with the owner is I offered to work as an unpaid intern to learn the job until one of the current employees planned to quit. I knew that one of the current employees planned to quit early 2018, and i now have an exact date, which is end of march. For my first two weeks, i was working six hours a day, five days a week, but now they have me at four hours a day, five days a week, since they said they are unable to keep payroll up for me for what i was working. I have yet been able to talk to my coworker as to how much he is currently making working there, and that is a future goal so i know what i should expect when i go full time at the end of march.

So my first question is, what is a respectable hourly wage for an entry level job working as a computer repair tech?

I also just opened up a bank account with a credit union in my area. I chose that because my grandparents have accounts with the credit union and I was able to get a free savings and checking account through them, since I am a family member. Like i said, i currently have $220 (pretty much almost all of 1 of my first weeks worth of a paycheck) put into the account, with the minimum $25 in savings to have an account, and the rest in checking. I am currently waiting on my debit card to arrive. The credit union I have a bank account with does have a credit card, and I would like to get a credit card, so I can start using it rather than cash to get my credit score started, but I was unsure if signing up for the credit unions credit card was the best option.

So my second question is, what should I do about getting a credit card, which one is best for me? what precautions do I need to take when looking for and signing up for a credit card? Did i make the right choice setting up an account with a credit union rather than a standard bank?

So, as of right now, the money I am making working 4 hours a day is more or less spending money for me, and i plan on getting actually situated once I start working full time at the end of march. I am setting some of what i make now aside, and plan on putting it into my saving account as a emergency fund, but like i said, the money i make from now till the end of march, i haven't made any long term goal for it. I have reliable transportation, reasonable insurance costs for my age, and the option to buy a vehicle from my Dad at just the expense of registration. If y'all have any more questions, I'll do my best to answer them.

So my third question is, what am i doing right? what am i doing wrong? What advice do you guys have for me, so i can catch up for the two years (18-20) that i just straight up wasted?



Submitted February 06, 2018 at 02:44AM by faf20yohmp http://ift.tt/2sc30AO

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