{"id":6509,"date":"2019-08-12T09:26:50","date_gmt":"2019-08-11T23:26:50","guid":{"rendered":"https:\/\/nimble.com.au\/?p=6509"},"modified":"2026-01-27T13:04:43","modified_gmt":"2026-01-27T03:04:43","slug":"financial-factors-to-consider-when-making-a-career-change","status":"publish","type":"post","link":"https:\/\/nimble.com.au\/blog\/financial-factors-to-consider-when-making-a-career-change\/","title":{"rendered":"Financial Factors to Consider When Making a Career Change"},"content":{"rendered":"\r\n<p>Once you get past the <a href=\"https:\/\/www.forbes.com\/sites\/carolynmcclanahan\/2018\/06\/10\/dealing-with-guilt-about-changing-careers\/#37236d34e327\" rel=\"nofollow\">emotional factors<\/a> of making the decision to change your career, there are many critical financial factors to consider. Taking a balanced approach to a career transition is all about working hard and taking calculated risks to reap the mental (and financial) rewards!\u00a0<\/p>\r\n\r\n\r\n\r\n<p>Being aware of how much you spend. Breaking it down into \u2018needs\u2019 and \u2018wants\u2019 will help you find the<a href=\"https:\/\/nimble.com.au\/blog\/complete-budget-guide-to-day-to-day-home-expenses\/\"> key to financial freedom<\/a> and successful life transitions. Food, shelter, clothing, transportation, communication, medical care &#8211; these are basic necessities that you need to budget for. By minimising how much you spend, you allow yourself the financial cushion to break the chains of a career that\u2019s no longer satisfying.\u00a0<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><strong>Career change costs<\/strong><\/h2>\r\n\r\n\r\n\r\n<p>Money is often the <a href=\"https:\/\/www.monster.com\/career-advice\/article\/how-much-will-a-career-change-cost\" rel=\"nofollow\">biggest stumbling block<\/a> when it comes to taking the plunge, as most people know that career changes don\u2019t come cheap. This is because starting over in a new field, undergoing training and education, embarking on a philanthropic journey, or becoming self-employed come with an initial price tag. Consider a plan for these costs:<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li>Tuition, books and fees associated with earning a degree. (If you\u2019re required to reduce hours or give up your job to accommodate your study you will also need to factor in loss of income.)<\/li>\r\n<li>Testing fees, classes, required meeting attendance for gaining new credentials.<\/li>\r\n<li>Membership fees for joining a trade association or society that will help you grow industry networks.<\/li>\r\n<li>Printing, postage, phone calls and getting to interviews when searching for a new job.<\/li>\r\n<li>Job hunting trips if needing to travel far (airfare, hotel, car rental and meals).<\/li>\r\n<li>Replacement costs for benefits offered by your current employer eg. company car, mobile phone, laptop, health insurance.<\/li>\r\n<li>A change in wardrobe if changing the style of career or saying goodbye to a uniform.<\/li>\r\n<li>Reduced salary if taking on an entry-level position.<\/li>\r\n<li><a href=\"https:\/\/nimble.com.au\/blog\/budget-guide-for-moving-house\/\">Household moving costs<\/a> and cost-of-living differences if needing to relocate.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><strong>Pay schedules (first and last paychecks)<\/strong><\/h2>\r\n\r\n\r\n\r\n<p>When embarking on a career change, familiarise yourself with the ins-and-outs of Australia\u2019s employment legislation, which changes frequently. Australian workplace rules are laid out by <a href=\"https:\/\/www.fairwork.gov.au\/ending-employment\/notice-and-final-pay\/final-pay\" rel=\"nofollow\">ten national employment standards<\/a> (as advised in the <em>Fair Work Act of 2009)<\/em>, with additional workplace rules and employee protections applying in unionised industries or according to Enterprise Bargaining Agreements.\u00a0<\/p>\r\n\r\n\r\n\r\n<p>\u2018Final pay\u2019 is what your employer owes you when your employment ends. Most awards state that employers need to pay employees their final payment within 7 days of the employment ending. You can check your employment contract for more details.\u00a0<\/p>\r\n\r\n\r\n\r\n<p>Under Australian law, you should get the following entitlements in your final pay:<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li>Outstanding wages for hours you have worked, including penalty rates and allowances.<\/li>\r\n<li>Any accumulated annual leave, including annual leave loading if it would have been paid during employment.<\/li>\r\n<li>Accrued or pro-rata long service leave, payment in lieu of notice or redundancy pay if applicable.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<p>Sick and carer\u2019s leave is not paid out when employment ends.\u00a0<\/p>\r\n\r\n\r\n\r\n<p>The <a href=\"https:\/\/www.fairwork.gov.au\/ending-employment\/notice-and-final-pay\/final-pay\" rel=\"nofollow\">Fair Work Ombudsman<\/a> has a range of online tools for calculating your final pay.\u00a0<\/p>\r\n\r\n\r\n\r\n<p>When it comes to understanding your first pay in your new career, you should talk to your employer about what your \u2018employment type\u2019 will be before you start your new job. Your type of employment will affect your hours of work, your rate of pay and some of your entitlements. Rates of pay and breaks will be laid out in your award or enterprise agreement. For more information, visit <a href=\"http:\/\/www.fwc.gov.au\" rel=\"nofollow\">www.fwc.gov.au<\/a>.\u00a0<\/p>\r\n\r\n\r\n\r\n<p>You should expect to get a payslip from your employer <a href=\"https:\/\/www.fairwork.gov.au\/ArticleDocuments\/712\/A%20guide%20to%20starting%20a%20new%20job.docx.aspx\" rel=\"nofollow\">no later than one day<\/a> after payday. Your employer should also be keeping records about your employment, including details about your pay, hours of work, leave entitlements and any agreements you\u2019ve made such as an individual flexibility agreement.\u00a0<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><strong>Finding another job<\/strong><\/h2>\r\n\r\n\r\n\r\n<p>When it comes to finding another job, you have the option of looking while still employed or ending your employment to concentrate on your new career move. Looking for a job while employed and continuing to collect a paycheck may seem like the best of both worlds, but it adds a few extra challenges that you\u2019ll need to account for.\u00a0<\/p>\r\n\r\n\r\n\r\n<p>Recruiters and companies often prefer to work with <a href=\"https:\/\/www.topresume.com\/career-advice\/10-tips-on-effectively-looking-for-a-job-while-employed\" rel=\"nofollow\">still-employed candidates<\/a>, since they are more likely to have up-to-date skills. This isn\u2019t, however, as important if you\u2019re embarking on a whole new career change and you\u2019re taking time out of employment to further your studies and update your skills.\u00a0<\/p>\r\n\r\n\r\n\r\n<p>If you are still employed, you\u2019ll need to make your job search steps stealthy to avoid your current boss knowing. You can do this by:<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li>Updating your LinkedIn profile to include skills you feel are particularly relevant in your new career field.<\/li>\r\n<li>Networking &#8211; chances are your current job and dream job overlap in places, giving you the perfect excuse to learn and network at events.<\/li>\r\n<li>Taking a change of clothes with you if your interview clothes differ from your usual work clothes.<\/li>\r\n<li>Sourcing good references that aren\u2019t a colleague or your boss.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<p>If you choose to give up your current job in your quest for a new career, bear in mind that job hunting can take time. In fact, 75% of Australians who are currently looking for work have been <a href=\"https:\/\/www.seek.com.au\/career-advice\/how-long-does-it-really-take-to-find-a-new-job\" rel=\"nofollow\">searching for up to six months<\/a>. With this in mind, you will need to brace yourself for the inevitable uncertainty of a period that at times may feel has no end. Don\u2019t dwell on this period &#8211; instead, use it to polish up your cover letter and resume writing skills, update your job search profile for better exposure to potential employers, and research job-seeking entitlements such as the <a href=\"https:\/\/www.humanservices.gov.au\/individuals\/services\/centrelink\/newstart-allowance\" rel=\"nofollow\">Newstart Allowance<\/a>.\u00a0<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><strong>Paying bills when times are tough<\/strong><\/h2>\r\n\r\n\r\n\r\n<p>Unfortunately, bills don\u2019t stop (even if your paycheck does). Bills don\u2019t go down if your wage goes down either. You still have financial responsibility to your creditors and so you need to have a game plan for when the bills roll in.\u00a0<\/p>\r\n\r\n\r\n\r\n<p>With any luck, you\u2019ve saved yourself a strong financial cushion to support your new career transition. If not, or if your job search is taking longer than expected, there are several ways you can keep your head above water when times are financially tough.\u00a0<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><strong>1. Reconsider your telephone bill<\/strong><\/h3>\r\n\r\n\r\n\r\n<p>Do you really need to be paying for a landline and a mobile phone plan, or can you get away with using just your mobile and save on paying two telephone services?<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><strong>2. Get smarter with your grocery shop<\/strong><\/h3>\r\n\r\n\r\n\r\n<p>Everyone needs to eat but what you eat can be altered. Look for coupons, in-store sales and shop online. Buying only what you need online can save you from impulse buys. Also, try to buy in bulk and prepare meals that can be frozen. This will free up some extra time for job searching too.\u00a0<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><strong>3. Review your subscriptions<\/strong><\/h3>\r\n\r\n\r\n\r\n<p>From Spotify and Youtube Premium to Netflix, Telstra TV and Foxtel, Australians love a good subscription. Add to that- magazines, wine clubs and charity donations, and the amount of money you spend on subscriptions and direct deposits can quickly add up. Do you really need all of them?\u00a0<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><strong>Keeping your head above water during a career change<\/strong><\/h3>\r\n\r\n\r\n\r\n<p>Need a little financial assistance to help you get you through your new career transition? <a href=\"https:\/\/nimble.com.au\">Borrow up to $5,000 with Nimble<\/a> and your journey to a new career could start in as little as 60 minutes once approved.\u00a0<\/p>\r\n\r\n\r\n\r\n<p><em>Disclaimer: Please note this content is provided as general information only and does not take into account your objectives, financial situations or needs. For advice tailored to your financial situation, it is advised that you seek guidance from an accountant or financial advisor. The above post refers to application software (\u201cApp, Apps\u201d) that is not affiliated or associated with Nimble. We do not have any control or responsibility over the content of the Apps. Use of the Apps may be subject to further terms and conditions imposed by the App provider, the owner of the mobile operating system and\/or other related parties. The above links belong to a variety of websites and not Nimble, so clicking on, and using them, will take you away from Nimble\u2019s website meaning we\u2019ve got no control or responsibility over the content. Nimble does not endorse and is not affiliated or associated in any way whatsoever to the businesses named in this blog post. The information contained in this article is correct at the date of publication.<\/em><\/p>\r\n","protected":false},"excerpt":{"rendered":"<p>Once you get past the emotional factors of making the decision to change your career, there are many critical financial factors to consider. Taking a balanced approach to a career transition is all about working hard and taking calculated risks to reap the mental (and financial) rewards!\u00a0 Being aware of how much you spend. Breaking [&hellip;]<\/p>\n","protected":false},"author":52,"featured_media":6510,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[180,183,182,181,10],"tags":[],"class_list":["post-6509","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-budget-guides","category-financial-security","category-money-hacks","category-saving-goals","category-tips-resources"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Financial Factors to Consider When Making a Career Change<\/title>\n<meta name=\"description\" content=\"Once you make the big decision to change careers, there are plenty of financial factors to take into consideration. 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