Your first pay cheque: a 5-step checklist

The first pay cheque is the best moment to build habits — before you get used to spending all of it.

Five steps

1. Check your payslip is right. 2. Join any workplace retirement plan, especially if your employer matches. 3. Set up an automatic transfer to savings on payday. 4. Put bills on automatic payments. 5. Decide what's left for fun — guilt-free.

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