{"type":"document","data":{"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"Your first job","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Tip 1: Take control of your finances"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span><span>With more money coming in, it’s tempting to spend more on fun things. At the same time, you might still have a student loan to pay off, be thinking about travelling, or want to start saving for later. </span></span></span></span>Whatever your situation, having and maintaining a clear overview of your finances is a strong starting point.</p>"}},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span>With the ING App all your finances are always within reach, anytime and anywhere. Did you know that already 6 million people in the Netherlands use it? The ING App is full of smart tools for more control and convenience.</span></span></span></p>"},"title":"How we can help"},{"actionAccordionList":[{"icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/asset/1fac2e54-e7cb-4e25-8796-4e4a3089ecc7/Functionalities-Compose_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/1fac2e54-e7cb-4e25-8796-4e4a3089ecc7/Functionalities-Compose_Outline","type":"image","width":32},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"<p>The more control you have over your income and expenses, the easier it is to budget and know how much you can set aside, for example. Whether it’s for an upcoming holiday or because you’ll need your own funds to buy a home and would rather start saving for it as soon as possible.</p>"}},{"componentType":"paragraph","richBody":{"value":"<p>Your income and expenses are automatically grouped into categories, like fixed costs, groceries, or transport. In this way, you get a clear overview per month or per year.</p><ul><li>Insights are available in your ING App once you give permission</li><li>A useful tool to help you make more conscious spending decisions</li><li>Easily adjust and add categories</li></ul>"},"title":"Insight"},{"componentType":"paragraph","richBody":{"value":"<p>Take a look ahead and see what fixed income and expenses are coming your way. This helps you avoid unpleasant surprises, save more intentionally, and even spot opportunities to set aside a little extra. Look Ahead is already available in your ING App, you just need to turn it on.</p>"},"title":"Look Ahead"}],"title":{"value":"<p>Smart Budgeting Tools</p>"}},{"icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/asset/5455fc3f-9953-4879-925c-06db6daa2665/Savings_goals-Pig_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/5455fc3f-9953-4879-925c-06db6daa2665/Savings_goals-Pig_Outline","type":"image","width":32},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"<p>If you open an ING current account for the first time, you will automatically receive an Orange Savings Account for free with no action needed from you.</p>"}},{"componentType":"paragraph","richBody":{"value":"<p>Did you know it’s easier to save when you know what you’re saving for? That’s why you can add up to 10 savings goals to your Orange Savings Account. Perfect if you’re saving for more than just your dream trip.</p><ul><li>Keeping your savings separate makes it much easier not to spend it</li><li>You can give each savings goal your own name, like “Dream home” or &quot;Festival&quot;</li><li>Set up, adjust, and track your progress easily in your ING app</li></ul>"},"title":"Saving Goals"},{"componentType":"paragraph","richBody":{"value":"<p>Lock your savings and make it easier to resist temptation. Staying on track becomes simpler, and you can unlock it whenever you decide.</p><ul><li>Need access to your savings earlier? Choose your own waiting time: 2 or 4 hours</li><li>Adding money to your savings goal is always possible</li><li>You’re in control, unlock it whenever you need</li></ul>"},"title":"Savings Lock"},{"componentType":"paragraph","richBody":{"value":"<p>With automatic saving, you set up a savings instruction once, and the transfer is then made automatically at the moment you choose. Easy, right?</p><ul><li>You choose the amount and frequency: weekly, monthly, or every six months</li><li>Easily set up, adjust, or stop it in your ING App</li><li>Can also be set for each savings goal</li></ul>"},"title":"Automatic Savings"},{"componentType":"paragraph","richBody":{"value":"<p>With Round Up &amp; Save, you automatically set aside small amounts every time you pay, whether it’s a lunch with colleagues or a new outfit.</p><ul><li>Save € 30 extra on average each month</li><li>Choose how you round up for your spending: € 1, € 2, € 5 of € 10</li><li>Easily set it up and adjust it in your ING app </li></ul>"},"title":"Round Up & Save"}],"title":{"value":"<p>Smart Savings Tools</p>"}}],"componentType":"actionAccordion"},{"componentType":"sectionTitle","title":"Tip 2: Discover your options"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span>Sometimes, it’s simply helpful to talk to someone about </span></span></span>what works best for your situation or what your options are.</p>"}},{"componentType":"paragraph","richBody":{"value":"<p>From your first home to that dream trip, from building a life together to growing your money so you can start something of your own one day, whatever you’re aiming for, you don’t have to figure it all out on your own. Our specialists are here to think along with you and help you explore what’s possible.</p><p>We’ll also look at your situation more closely, for example, whether you still have a student loan and if paying it off faster could actually work in your favor.</p>"},"title":"How we can help"},{"actionAccordionList":[{"icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/asset/6cf0b666-b405-49c5-a7ff-8bd3dea27936/Functionalities-Show_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/6cf0b666-b405-49c5-a7ff-8bd3dea27936/Functionalities-Show_Outline","type":"image","width":32},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"<p>During a Financial Insight conversation, we help you make choices that bring peace of mind. For example, what to keep in mind if you’re considering investing part of your savings, once it fits your situation.</p><ul><li>Free and without obligation for ING customers</li><li>Your choice: at an ING branch or via video call</li><li>Always with a certified financial coach</li></ul>"}}],"title":{"value":"<p>Personal financial insight conversation</p>"}},{"icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/asset/967e3f60-3834-41ee-b6a8-f0d54d490765/Savings_goals-Home_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/967e3f60-3834-41ee-b6a8-f0d54d490765/Savings_goals-Home_Outline","type":"image","width":32},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"<p>Right now, you might be enjoying your well deserved financial freedom but at some point you will probably start thinking about buying a home. We know that’s a big deal (and not an easy one).</p><p>Whenever that moment comes, we’ve got your back.<br />No pressure and no rush, just a clear view of what’s possible for you, based on your situation. Because everyone’s different. Whatever your situation looks like: income, savings, student debt, we’ll tackle it together.</p><ul><li>Free and with no obligation</li><li>On your terms: in-branch or via video call</li><li>Always guided by an ING mortgage advisor</li></ul>"}},{"componentType":"paragraph","richBody":{"value":"<p>Keep in mind that, beyond the purchase price, there are also one-off costs. These aren’t covered by your mortgage, so you’ll need to pay them with your own funds, such as your savings. Expenses like a real estate agent, mortgage advice, valuation, and notary fees can quickly add up to several thousand euros.</p><ul class=\"check-mark\"><li><strong>Good to know: </strong>If you’re under 35 and buying your first home, you may be exempted from property transfer tax (overdrachtsbelasting), as long as the purchase price is below a certain threshold. This means you could save 2% of the property value, an amount you’d otherwise have to cover yourself. <a href=\"http://www.rijksoverheid.nl/vraag-en-antwoord/huis-kopen/vrijstelling-overdrachtsbelasting\">Visit the Rijksoverheid website for more information.</a> </li></ul>"},"title":"Important: as buying a home becomes more real, make sure you’ve built up enough savings."}],"title":{"value":"<p>Free Initial Mortgage Consultation</p>"}}],"componentType":"actionAccordion"},{"componentType":"sectionTitle","title":"Tip 3: Save easily on the things you enjoy"},{"componentType":"paragraph","richBody":{"value":"<p>From great discounts on Uber and Pathé cinema tickets to the latest deals on concerts, football matches, and weekend getaways. How? It&apos;s simple, with <a data-type=\"internal\" href=\"/en/personal/ing-punten/punten-voor-starters\">ING Points</a>. which you earn automatically when you use your ING current account.</p><p>So you can make the most of your free time while keeping money for what comes next</p>"}},{"componentType":"sectionTitle","title":"Haven't joined ING yet?"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span>Get Started today and bring your plans to life. </span></span></span>Open an ING current account and unlock the benefits right away:</p><ul><li>Your Orange Savings Account is also ready to use immediately</li><li>One of the Netherlands’ most-used banking apps, packed with smart tools to manage your money</li><li>Limited-time offer: get up to €150 in your first two months</li></ul>"},"textLinks":[{"text":"Discover more about the limited time offer","url":"/en/personal/payments/bank-accounts/welkomst-actie-n2b-verlenging"}]},{"componentType":"cta","textLink":{"text":"Open your Current Account","url":"/en/personal/payments/bank-accounts/open-an-account"}}]},"hasMacro":false,"id":"e8d16259-53a3-4ced-bbc7-568d48087b8f","localeString":"en-GB","mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"Just landed your first “real” job after graduating? You’re probably earning more than ever and finally standing on your own two feet. It can be quite exciting. Check below how to handle your finances smartly.","headerImage":{"altTextNL":"\"\"","extension":"jpg","original":"https://assets.ing.com/asset/e9d89a11-12ec-4e97-8b6d-d3f21456a18f/1131370665.jpg","transformBaseUrl":"https://assets.ing.com/transform/e9d89a11-12ec-4e97-8b6d-d3f21456a18f/1131370665","type":"image","width":7500},"title":"Congrats on your first job! What now?"}},"publishDate":"2026-07-02T13:25:49.313+02:00"}}