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How To Adult

 

Life skills to work, learn & live.


Are you keen to develop the right life skills to work, learn & live independently? 

We understand how scary it can be to navigate life as an adult – with new responsibilities and challenges – but we are here to help. 

The ‘How to Adult’ program is here to guide you in the right direction with free, informative and interactive sessions and resources that will help you find a way to successfully enter the workforce, live independently and learn how to balance everything life throws at you in between. 

So what are you waiting for, start #adulting today!
 

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Sessions:

To help boost your life skills, we invite you to explore these free, informative and interactive sessions.
Read on to find out more about the life skills you can learn and develop:
 

How to 'Cook Healthily on a Small Budget'

Juggling everything in our lives can be challenging. Experience how to achieve a more balanced and healthy way of life. OzHarvest is about Nourishing Our Country and Fighting Food Waste. Come along to gain inspiration and skills for how to cook simple nourishing food on a limited budget. You will also learn about how food waste is damaging our planet, and how we can all be Food Waste Fighters!

Download an interactive digital Shopping List & Menu Planner below


 
How to 'Stand Out from the Crowd'

Just thinking about getting a full-time job and working 9 'til 5 is daunting. 

Discover how you can positively impact your career pathway to help secure your dream job. Hear the success stories from recent UniSA graduates and get some handy tips on how you can ‘stand out from the crowd’. 

Watch the session now:
 
 


Meet the Panel:
 
  • Tell us a bit about your study background 
    •    Legal studies and Business were favourite subjects in Highschool
    •    Felt like HR would be a good fit – people orientated and business-related. 
    •    Bachelor of Business (HRM) – 2016-2019 (UniSA)
    •    Sprott School of Business – 2018 – (Carleton University Ottawa)
  • What's the best professional advice you received while studying?
    Say yes to every opportunity! You’ll meet new people and learn new skills. This will open up a lot of doors that wouldn’t exist if you said no. 
  • Who is someone you admire professionally and why? 
    My supervisor, Sonya Paterson, Coordinator of Career Services. We work very closely together and she is not only an awesome boss but a great mentor. She has a diverse career history and, as a result, a lot of industry knowledge which helps her have meaningful conversations with students, employers, and staff. 
  • What's your biggest professional accomplishment to date?
    Scoring this job. It was a competitive recruitment process and my first full-time professional role. Plus working for a University has been an amazing experience, I’ve learnt so much.
  • Can you share a snapshot of personal/professional goals you want to accomplish in the next 12 months?
    Continue to learn more about the HR industry and assist the University partner with organisations to provide more employment opportunities for students. 
    In an ideal world, I would also love to use my HR skills and knowledge overseas.
  • What does a typical workday look like for you? 
    No day is the same but here’s a snapshot of my day:
    •    Coffee (Always!)
    •    CareerHub Database management and administration 
    •    Responding to all Careers inbox and phone enquiries 
    •    Supporting our Drop In-Service/Taking student appointments when required 
    •    Providing support or facilitating any Career Services workshops or events 
    •    Employer meetings
    •    Working on/reviewing any exclusive job campaigns including Jobs on Campus
  • What three words that best describe you?
    Spontaneous, bubbly, motivated
  • What would be your personal motto?
    I would rather regret the things I did do than the things I didn’t. 
  • Funny fact about yourself?
    When I was 12 I did diving competitions in South Australia for the Adelaide Aquatics team. 
  • And lastly, what are your career aspirations for the future? 
    I would love to work overseas in a Talent Acquisition/Early Careers role 
 
  • Tell us a bit about your study background 
    I completed a Bachelor of Communication & Media (sub-majoring in Journalism) in 2018. I chose this degree because I was interested in journalism, but wanted to keep my options open.
  • What's the best professional advice you received while studying?
    Ask for help/advice when you need it! 
  • Who is someone you admire professionally and why? 
    My team – that includes our office-based team, as well as the researchers/clinicians we fund. Everyone dedicates their days to working really hard to try and save/improve lives. It’s not without challenges and difficulties, but no one ever gives up. (Personally, I also admire Elle Woods for her determination get what she wants, her commitment to fight for those who need it, and for doing those things with kindness) 
  • What's your biggest professional accomplishment to date?
    Significantly increasing THRF Group’s social media output, achieving highly positive results, and being a valued member of a really great team. 
  • Can you share a snapshot of personal/professional goals you want to accomplish in the next 12 months?
    Professional: Continue improving social media content and results.
    Personal: Get back to writing more long-form content, both for work and personal.
  • What does a typical workday look like for you?
     
    A typical work day starts with checking emails, then social media messages and comments. Then I spend a lot of time planning, sourcing and scheduling content for our brands. I also regularly check analytics/post performance. Additionally, I plan content for web articles and two newsletters.
  • What three words that best describe you?
    Positive, kind, committed
  • What would be your personal motto?
    Work hard, be kind, and enjoy the good things.
  • Funny fact about yourself?
    (a bit dumb, but usually gets a laugh) From age 10-16, I believed that reindeer were fictional animals.
  • And lastly, what are your career aspirations for the future? 
    To help not-for-profits and/or small businesses grow and succeed through social media.
 
Dixie Sulda | Position: Crimer Reporter | Organisation: News Corporation: The Advertiser 

  • Tell us a bit about your study background 
    I studied a bachelor of communication and media, sub major in journalism, from 2016-2019 with aspirations to work in radio. It seemed the most relevant degree to assist that aspiration.
  • What's the best professional advice you received while studying?
    Inverted triangle for writing stories, most interesting info up the top etc.
  • Who is someone you admire professionally and why? 
    Ellen Whinnett, she's our national investigations reporter. She broke the story involving the country's largest police sting, Operation Ironside, earlier this year.
  • What's your biggest professional accomplishment to date?
    The suspension of a senior Port Augusta prison officer after speaking with multiple victims who were allegedly indecently assaulted by the man, and notifying the Department of Correctional Services.
  • Can you share a snapshot of personal/professional goals you want to accomplish in the next 12 months?
    Continue learning from the experienced journalists around me, while they are still accessible!
  • What does the average work day look like for you?
    No day is the same. I could be at a crime scene, in court for six hours, or in the car to the South East covering a double murder, or just researching.
  • What three words that best describe you?
    Driven, fast-paced, empathetic.
  • What would be your personal motto?
    Don't take life too seriously.
  • Funny fact about yourself?
    I still often go to the playground to have a swing on the swing, it calms me.
  • And lastly, what are your career aspirations for the future? 
    I'm not entirely sure, I'll roll with the punches.
 
Milan Mili | Position: UniSA Business Concierge & Event Organiser | Organisation: UniSA Business School

  • Tell us a bit about your study background 
    Bachelor of marketing & Communications at UniSA Business (2018) & Diploma of International Trade at TAFE SA (2014)
  • What's the best professional advice you received while studying?
    build networks & be yourself
  • Who is someone you admire professionally and why? 
    I am a big fan of professionals that have work ethic and are passionate about what they do such as Elon Musk and Jeff Bezos.
  • What's your biggest professional accomplishment to date?
    Receiving the Inaugural National Extraordinary Customer Service Award in Sydney.
  • Can you share a snapshot of personal/professional goals you want to accomplish in the next 12 months?
    keep learning and build more meaningful businesses.
  • What three words that best describe you?
    Happy creative dreamer.
  • What would be your personal motto?
    If you have everything under control, you are not moving fast enough.
  • Funny fact about yourself?
    I like to research the history of human evolution.
  • And lastly, what are your career aspirations for the future? 
    Creating passive income and fulfilling my highest and truest potential.
 
 
How to 'Manage your Money'

Mastering your finances and money can be overwhelming. Learn how to confidently manage your money so you can achieve your goals and feel in control.

Watch the session now:
 

 Quick Facts & Answers to Commonly Asked Questions:
 
  • Reducing the tax you pay
    You may be able to reduce the amount of tax you pay if:
    • you're entitled to tax deductions or offsets, or
    • you choose to salary package (salary sacrifice)

  • Tax deductions
    Tax deductions reduce your taxable income before the tax is calculated. You get back some but not the full cost of the tax-deductible item or service you are claiming. Common tax deductions include:
    • work-related expenses
    • union fees
    • charitable donations
    • the cost of managing your tax affairs (for example, paying an accountant)
    See deductions you can claim on the ATO website for details.

  • Tax Offsets
    Tax offsets, also known as rebates, directly reduce the amount of tax payable. They are applied after the tax has been calculated. Common tax offsets include offsets for:
    • low-income and middle-income earners
    • taxpayers with an invalid relative
    • pensioners and senior Australians
    • the taxable portion of a superannuation income stream See offsets and rebates on the ATO website for more information.
  • See offsets and rebates on the ATO website for more information.

  • Salary packaging
    Salary packaging is when you 'package' your income into salary and benefits. It is sometimes know as 'salary sacrificing'. For example, you may arrange to receive less salary in exchange for superannuation or car payments.
    If you reduce your salary in this way, you can reduce your taxable income. The items or services you get through salary packaging cannot be claimed as a deduction. See salary packaging.

  • Where to get help with tax
    Individual income tax can be complex, and everyone's situation is different. If you want to get professional advice, think about choosing an accountant to help manage your tax and lodge your tax return.

  • ATO's Tax help program
    If you earn $60,000 or less you may be eligible for the ATO's Tax Help program. Tax Help is a free and confidential service that runs from July to October each year. The ATO's trained volunteers help people lodge their tax returns online, by phone or in person from Tax Help centres located around Australia. If you are not eligible for Tax Help, the National Tax Clinic program may be able to help you instead. You can also ask general questions about tax through the ATO Community.
    moneysmart.gov.au/income-tax

  • Grow your super with extra contributions
    You can grow your super by making extra payments yourself. Even small amounts add up over time, and voluntary contributions can reduce the amount of tax you pay. If you're on a low income, you may be eligible for extra contributions from the government.

  • Pre-tax super contributions: salary sacrifice
    You can ask your employer to pay part of your pre-tax pay into your super account. This is known as a salary sacrifice or salary packaging. The payments, called concessional contributions, are taxed at 15%. For most people, this will be lower than their marginal tax rate. You benefit because you pay less tax while you boost your retirement savings. Generally, making extra concessional contributions is tax-effective if you earn more than $37,000 per year. There's a limit to how much extra you can contribute. The combined total of your employer and salary sacrificed contributions must not be more than $27,500 per financial year.

  • Make after-tax super contributions
    You can also make contributions to your super from your after-tax pay. These payments are called non-concessional contributions because you have already paid tax on the money. You can make up to $110,000 in non-concessional contributions each financial year. You may be able to get a tax deduction for non-concessional contributions. See the ATO website for more information.

  • Low income super tax offset
    If you earn $37,000 or less, you may be eligible for a low income superannuation tax offset (LISTO) of up to $500 per year. You don't need to do anything. The ATO will work out your eligibility and pay the money into your super account. See low income super tax offset on the ATO website.

  • Government co-contributions
    If you're a low to middle-income earner and make after-tax super contributions, you may be eligible for a matching contribution from the government, called a co-contribution. The government will work out how much you are entitled to when you lodge your tax return. If you're eligible, the government will pay the co-contribution directly to your fund. See super co-contribution on the ATO website.
 
  • Free Bank Accounts
    NAB Classic Banking Account
    • No monthly account fees and no minimum monthly deposits
    • No overdrawn fees if you happen to go over your account balance
    • No ATM withdrawal fees at over 7,000 ATMs across Australia
    • A NAB Visa Debit card for all your everyday spending
    Suncorp Everyday Options Account
    • No monthly account keeping fees
    • No minimum deposit or balance required
    • Interest bearing
    • Free cash withdrawals at Suncorp ATM, rediATM, atmx or Big 4 ATM

  • Savings Account
    Bank of Queensland Fast Track Starter Account (For under 25 years old)
    • Ongoing, variable 2.5% p.a. when you link to an BOQ Day2Day Plus Account, deposit $200+ into the Day2Day account each month from an external account and make 5 eligible transactions a month.
    • Max bonus interest applies on balances up to $10,000. Balances between $10,001 and $250,000 will earn a lower bonus rate. Base rate applies on balances over $250,000.

    *Most banks will have an online saver account that is fee free and interest bearing so check with your bank before switching or opening up a new bank account elsewhere.

  • Meal Prep
    USASA has developed some quick, easy and healthy recipe videos and cards to follow along to at home! These are the perfect wholesome meals to nourish and help keep you healthy, happy and more energised. See more here
    Here are some of my personal go-to cheap and simple meals that you can make in bulk and will last a couple of dinners or lunches:
    *My hot tip: I’ll add fresh spinach to all these meals to get an extra hit of healthy greens! (Stir in the spinach at the end so it doesn’t get too wilted)
    Tuna Bake
    15-minute chicken, broccoli and cashew stir-fry
    Spaghetti bolognaise| (Vegetarian version)
    And during summer for lunches I make these easy wraps, here’s a list of what to get from the supermarket:
    • Wraps
    • Sliced meat (pre packaged slices of either turkey, chicken or ham)
    • Avocado
    • Tomato
    • Lettuce or spinach
    • Cheese slices
    • Mayonnaise
    I also do most of my grocery orders online using the free click and collect that Coles and Woolworths offers. I can save my recipes and grocery lists in my online account to save time and avoid impulse buying when, especially if I go to do my grocery shopping instore if I’m hungry!

  • Calculate purchases based on hours worked
    For example, if you earn $21 per hour (keep in mind we are working off pre-tax) and you want to purchase a concert ticket, clothes, tech that costs $200. Let’s do the math, 200 (cost of item/service) divided by 21 (hourly employment rate) = 9.53
    So, you can then consider is this concert or piece of clothing worth being at work for 9 and a half hours?
    It puts the worth and value of your times and earnings into perspective!
 
  • Reliable financial resources
    • Moneysmart
    • ASX Share Market Game (Learn how to invest and how the stock market works by using virtual cash without spending any real cash)
    • The Barefoot Investor (Blog an book)
    • Finder (To compare super funds and bank accounts etc)
    • USASA Financial Counselling and resources page

  • My Favorite Books
    • The Psychology of Money by Morgan Housel
    • Enough: True Measures of Money, business and Life by John Bogle (the founder of Vanguard and created the first index fund also known as exchange-traded fund ETF).

  • Things to Remember:
    • Always do your own research
    • Reflect on your spending habits/patterns
    • Patience and practice, progress is progress
    • Start small and with low risk
    • There are no get rich quick schemes
    • Avoid comparing yourself to others, some things aren’t always what they seem
    • Be cautious when consuming financial content on social media

 Meet the Industry Professionals:
 
  • Tell us a bit about your Professional background 
    I studied Public Policy Analysis at the London School of Economics and Political Science and Financial Counselling with the Institute of Social Relations. Prior to financial counselling I worked as a treasury analyst for Morgan Stanley, in hedge funds and in derivatives at the Bank of New York in London.
  • What does money mean to you?
    Being able to fund experiences with my family and friends, go on adventures like camping, have comfort in terms of a home and peace of mind with savings to create opportunities, control my future and any unexpected events.
  • How did you manage work, money, rent/mortgage, utilities, bill and life balance when you were young?
    Practice! It takes patience and practice by allowing myself to make mistakes along the way, learn, create more awareness and get better at it. I would also prioritise my wellbeing and mental health through counselling and self-care to be able stay on top of managing all elements of work and life balance. While keeping mind in mind that it’s ok if you can’t always maintain that balance.
  • Name three words that best describe you:
    Curious, adventurous, open minded.
  • What would be your personal motto?
    Create value where you can.
  • Funny fact about yourself?
    When I was little I used to search my backyard and the park hoping to find ewoks from star wars to befriend.
 
  • Tell us a bit about your Professional background 
    Maurice Blackburn Lawyers in Melbourne, Sydney, Perth and Adelaide for 8 years, specialising in financial services law.
  • What does money mean to you?
    A medium of exchange and a mechanism for controlling society!
  • How did you manage work, money, rent/mortgage, utilities, bill and life balance when you were young?
    I worked full-time hours (retail and hospitality) whilst at uni so I had a consistent income. Paid rent with every fortnightly paycheck, bills ad hoc, and the rest I spent on partying and enjoying uni life!
  • Name three words that best describe you:
    Adventurous, Determined, Compassionate
  • What would be your personal motto?
    Life moves forward, so take every opportunity that comes, but don’t forget to stop and smell the roses from time to time.
  • Funny fact about yourself?
    Voice impersonations….accents and sesame street characters!
 
  • Tell us a bit about your Professional background 
    I’m an ex-accountant, ex-financial advisor, best-selling global author and accidental serial entrepreneur.
  • What does money mean to you?
    It means the ability to have choice, to have options. My aim financially is to design the life I love (and one that I don’t need to escape from).
  • How did you manage work, money, rent/mortgage, utilities, bill and life balance when you were young?
    When I was young I had very little money so most of my dollars went to bills and there was very little left over! I was also working full time and studying full part time until my late twenties so life balance was very off kilter! I applied for my first store card at age 18 which was a disaster and I realised very quickly that credit and I aren’t good companions.
  • Name three words that best describe you:
    Introverted, socially awkward, over-dressed.
  • What would be your personal motto?
    Design the life you love that you don’t want to escape from.
  • Funny fact about yourself?
    I didn’t study maths in year 12 (despite being a money expert).

Resources:

To explore the life skill topics of the ‘How to Adult’ program in more detail and discover interesting information, facts and programs, see links to a variety of resources below: 
 
Career Pathway
Transitioning into the working world. 
UniSA Specific Resources  Tips 
Finances & Money
Manage your Finances and Money.
Apps Podcasts Books  Local Support   
Lifestyle
Helping you find the perfect balance.
Fact Sheets/Information Programs Podcasts


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