Starting your career is exciting, but navigating your finances can be daunting.

Here are some clear, actionable steps to build a strong financial foundation:

1. Budget Like a Boss

Track Your Income &amp; Expenses: Download a budgeting app or use a simple spreadsheet to monitor your monthly income (salary, side hustles) and expenses (rent, utilities, groceries, entertainment). Awareness is key!

Create Categories: Separate your expenses into categories like housing, food, transportation, and entertainment. Allocate realistic amounts to each category based on your income.

Prioritize Needs vs. Wants: Differentiate between necessities (rent, food, daily travel, etc.) and desires (new gadgets, accessories, etc.). Prioritize needs and allocate the remaining funds for wants.

Live Within Your Means: Don't spend more than you earn. Be mindful of lifestyle inflation; avoid increasing expenses as your income rises.

2. Save Smart, Spend Wisely

Emergency Fund: Aim to save 3-6 months of living expenses as a safety net for emergencies. Consider a high-yield savings account for easy access.

Automate Savings: Set up automatic transfers from your checking account to your savings each payday. Pay yourself first!

Track Your Savings Goals: Define short-term and long-term goals (vacation, down payment on a house). Track your progress and adjust your savings plan as needed.

Cook More Often: Eating out can drain your budget. Try cooking more meals at home to save money and eat healthier.

3. Responsible Credit is Key

Build Credit History: Apply for a secured credit card with a low limit and use it responsibly to build credit history.

One Card is Enough: Avoid multiple credit cards. The temptation to overspend increases with more cards.

Pay Your Balance in Full: Don't carry a credit card balance. Interest rates are high, and they can quickly snowball your debt.

Understand Credit Utilization: The amount of credit you use compared to your credit limit impacts your credit score. Aim to keep your credit utilization below 30%.

Talk to a Financial Advisor: Consider consulting a financial advisor for personalized guidance on your financial goals, investments, and retirement planning.&nbsp;

Be consistent with your budgeting, prioritize saving, and use credit responsibly. You'll be amazed at how quickly your financial well-being improves!

This blog empowers young professionals with clear, actionable steps for building a strong financial foundation. It covers everything from creating a budget to saving strategies.

Financial Fitness for Young Professionals: Get Your Money on Track!

As a performance coach emphasizing holistic wellness, mental wellbeing, emotions, behavior, and communication, I support individuals in achieving balance and fulfillment personally and professionally. 


Holistic Approach: I consider all aspects of life to help individuals achieve balance and fulfillment.
Mental Wellbeing: I guide individuals in managing stress and anxiety, empowering individuals to cultivate resilience and emotional wellbeing.


Emotional Intelligence: I assist in developing self-awareness, empathy, and relationship skills for effective navigation in personal and professional contexts.


Behavioral Change: I support individuals in overcoming obstacles and fostering positive habits.


Effective Communication: I teach active listening, assertiveness, and conflict resolution skills for building strong connections and conveying ideas confidently.


Goal Achievement: Through goal setting and action planning, I help individuals align goals with values, fostering a sense of purpose and fulfillment.


Personal Growth and Development: I encourage continuous learning and reflection, nurturing personal and professional development for unlocking full potential.


Performance Coach 

Head of Communications & People Development

As an Executive Coach specializing in Behavioral Management and Communication, my role encompassed a range of responsibilities aimed at enhancing individual and organizational performance. I provided tailored training and development programs in areas such as goal setting, emotional intelligence, leadership development, and interpersonal skills. Through strategic communications and team-building initiatives, I facilitated improved collaboration and productivity within teams. Additionally, I offered conflict management strategies and stress/anxiety management techniques to support employees in navigating challenges and maintaining wellbeing. My role also involved coaching and mentoring individuals to unlock their full potential, fostering their professional growth and development. Overall, I played a pivotal role in driving behavioral change, improving communication effectiveness, and fostering a positive and productive work environment within the organization.

Executive Coach - Behavioral Management and Communication

VP - Human Resources 

I provide personalized assistance to individuals based on their specific needs and objectives. For those grappling with emotional and behavioral challenges, I offer techniques like mindfulness, cognitive reframing, and strategies for emotional regulation to help them manage their feelings and develop healthier coping mechanisms. In the realm of communication, I offer guidance on assertiveness, active listening, and conflict resolution to improve their relationships and enhance communication skills. Those delving into shadow work benefit from my facilitation of self-exploration and reflection, aiding them in uncovering and integrating unconscious aspects of their personality for personal growth and self-awareness. Additionally, I leverage creative expression and artistic mediums in Artology to foster self-discovery, emotional processing, and healing. Through the integration of these approaches, I assist individuals in overcoming challenges, building resilience, and nurturing overall wellbeing in both their personal and professional lives.

Mental Wellbeing Coach - Emotions & Behaviour | Communications | Shadow Work | Artology 

Head - People Strategy & Business Intelligence

Training Partner

Human Resource & Project Manager

HR & Training Coordinator

Sales Advisor

Sr. Training Coordinator - Process

I will provide motivation to keep you inspired and focused on achieving your goal. This involves offering encouragement, celebrating your progress, highlighting your strengths, and reminding you of the benefits and importance of reaching your objective. Additionally, I may share success stories or testimonials from others who have achieved similar goals, offer positive reinforcement and praise for your efforts, and remind you of the potential rewards and benefits that await you upon successful completion. Furthermore, I can help you identify and connect with your intrinsic motivations and values to fuel your determination and commitment.

I will hold you accountable for your actions and commitments as we work towards achieving your goal. This involves regularly reviewing progress, discussing any challenges or setbacks, and collaboratively identifying strategies to overcome them. Additionally, I will provide support and encouragement to help you stay on track and maintain focus on your objectives.







I will offer emotional and mental support to help you navigate any challenges or setbacks you may encounter on your journey towards achieving your goal. This includes providing a safe space for you to express your feelings and concerns, offering empathy and understanding, and helping you develop coping strategies to manage stress and maintain resilience. Additionally, I will be available to listen, offer guidance, and provide encouragement as you work towards overcoming obstacles and reaching your objectives.

I will assist you in improving your time management skills to optimize productivity and achieve your goals efficiently. This may involve helping you prioritize tasks, set realistic deadlines, identify time-wasting activities, and implement strategies to better manage your schedule. Together, we will work on creating a personalized time management plan tailored to your specific needs and circumstances, ensuring that you make the most of your time and maximize your potential for success.

I will assist you in achieving your goal by providing personalized guidance and support tailored to your specific needs and objectives, such as creating customized action plans, offering targeted feedback, and recommending relevant resources for your development.

I will share a roadmap with you to outline the steps and milestones needed to achieve your goal, such as setting specific objectives, identifying key tasks, establishing deadlines, and allocating resources effectively.

I will share important resources with you to support your progress and help you achieve your goal. Such resources may include relevant articles, books, online courses, tutorials, templates, tools, or industry reports that can provide valuable insights, knowledge, and skills relevant to your goal.

I will conduct regular check-ins with you to monitor your progress, address any challenges or obstacles, and provide ongoing support and guidance to ensure that you stay on track towards achieving your goal. Such regular check-ins may involve scheduled meetings or calls where we review your progress, discuss any challenges you may be facing, celebrate your achievements, and adjust strategies or action plans as needed to keep you moving forward towards your goal.

 I will conduct mock interview practice sessions with you to help you prepare for upcoming job interviews or other professional opportunities. During these sessions, we will simulate typical interview scenarios, including common questions and behavioral-based inquiries. I will provide feedback on your responses, offer tips for improvement, and help you build confidence in articulating your skills and experiences effectively. Through repeated practice and constructive feedback, you will become more comfortable and prepared to excel in real interview situations.

I will help you develop a structured approach to answering interview questions effectively. This involves breaking down your responses into three main parts:

Introduction: Begin by providing a brief overview or context for your answer. This sets the stage and helps the interviewer understand the topic you're addressing.

Body: Next, delve into the main points or key details of your response. Use specific examples, experiences, and achievements to support your points and demonstrate your qualifications.

Conclusion: Wrap up your answer by summarizing the main points you've covered and reiterating your key message or takeaway. This reinforces your response and leaves a lasting impression on the interviewer.

By following this structured approach, you can ensure that your answers are clear, concise, and impactful, helping you make a positive impression during the interview.

I will assist you in developing your communication skills through personalized teaching sessions. This will involve covering various aspects of communication, including verbal and nonverbal communication, active listening, empathy, clarity, and assertiveness. Through interactive exercises, role-playing scenarios, and constructive feedback, you will learn practical strategies to enhance your communication effectiveness in both personal and professional settings. Together, we will work towards improving your confidence, clarity, and connection with others, ultimately empowering you to communicate more effectively and achieve your goals.

I will teach soft skills, emphasizing the importance of maintaining composure, effective expression, and a positive attitude. Through practical exercises and personalized guidance, I'll help you learn strategies to stay calm under pressure, communicate your thoughts and feelings confidently, and cultivate a resilient mindset. By providing feedback and support tailored to your needs, I aim to empower  to navigate challenges with confidence and professionalism, ultimately enhancing your success in both personal and professional endeavors.

Research: I encourage you to research companies and positions you're interested in to understand their culture and requirements.

Tailored Resumes and Cover Letters: I'll help you customize your resume and cover letter to highlight relevant skills for each application.

Networking: Utilize your network for referrals and insights into job opportunities.

Online Platforms: Use online job boards and professional networking sites to search for openings and submit applications.

Follow-up: Remember to follow up on applications with polite emails or calls to express continued interest.

Interview Preparation: Let's prepare thoroughly for interviews by researching questions and practicing responses.

Thank You Notes: After interviews, send personalized thank-you notes to express gratitude and reiterate interest.

Continuous Learning: Keep seeking opportunities to improve your skills through courses and workshops.

Devika Biswas

I can assist you by providing personalized guidance and feedback on each aspect of your resume. We can review your resume together to ensure clarity, relevance, and effectiveness. I'll help you tailor your resume to specific job descriptions, identify opportunities to quantify achievements, and incorporate relevant keywords. Additionally, I can offer suggestions for improving the formatting and organization of your resume to make it more visually appealing and easier to read. Through our collaborative efforts, we'll work to create a strong and compelling resume that effectively showcases your qualifications and increases your chances of landing interviews.

I can help boost your LinkedIn profile by providing personalized guidance and support tailored to your professional goals and objectives. Together, we'll ensure all sections of your profile are complete and optimized, from your headline and summary to your experience, skills, and endorsements. I'll assist you in crafting a compelling headline and summary that effectively showcases your unique value proposition and key skills. We'll focus on highlighting your achievements and results in your experience section to demonstrate your impact and credibility. Additionally, I can offer strategies for engaging with content, participating in groups, and building your network to increase your visibility and establish yourself as a thought leader in your industry. Through our collaborative efforts, we'll work to enhance your LinkedIn presence and unlock new opportunities for networking, career growth, and professional development.







Communication is a crucial core skill because it facilitates understanding, builds relationships, and drives success in personal and professional contexts. Effective communication fosters clarity, promotes collaboration, resolves conflicts, and enhances productivity. It is essential for conveying ideas, sharing information, and building trust, ultimately leading to better outcomes and stronger connections.

Communication

Leadership is a vital core skill as it empowers individuals to inspire, motivate, and guide others towards shared goals. Effective leadership fosters teamwork, innovation, and accountability, driving positive change and achieving organizational success. It involves communication, decision-making, problem-solving, and emotional intelligence, enabling individuals to influence and empower others while navigating challenges and driving growth.

Leadership

Time management is crucial for maximizing productivity, minimizing stress, and achieving goals effectively. It involves prioritizing tasks, setting realistic deadlines, and allocating time efficiently to accomplish them. With good time management, individuals can optimize their workflow, maintain focus, and avoid procrastination. It also allows for better work-life balance and ensures that essential tasks are completed on time, leading to greater overall success and satisfaction.

Time Management

Active Listening is an important skill to learn because it shows that you are paying attention, understanding, and validating the other person's feelings. It also helps to build trust and respect in the relationship.

Active Listening

Cultural awareness is important because it helps us to understand and appreciate different cultures, allowing us to communicate and interact with people from different backgrounds more effectively. It promotes tolerance and understanding, which leads to more productive and meaningful relationships.

Cultural Awareness

Emotional Intelligence helps us to better understand ourselves and others, allowing us to create better relationships and communicate effectively. This skill is essential for successful problem solving, decision making, and conflict resolution.

Emotional Intelligence



Teamwork is an important skill to learn as it teaches how to work together effectively to achieve a common goal, develop communication and problem solving skills, build trust and create a positive working environment.

Teamwork



Soft skills are important to learn because they help us to effectively communicate, collaborate, and work with others. They help us to develop confidence and be able to adapt to changing environments.

Soft Skills



Adaptibility is important as it allows us to stay flexible and open to change, allowing us to move forward and stay competitive in an ever changing world.

Adaptibility



Team Expansion helps to create an effective and productive team with diverse skills and perspectives. It encourages collaboration and creativity, and allows for growth and development within the team.

Team Expansion



Diplomacy is an important skill to learn as it allows us to interact and resolve issues peacefully, rather than resorting to conflict. It enables us to better understand different perspectives and to find common ground. It is a powerful tool for building relationships and creating positive outcomes.

Diplomacy



Team Building is important as it helps to promote collaboration, communication, trust, respect and problem solving, all of which are essential for working together efficiently and effectively.