To get a job, the process usually starts with education and skills. High school is the first step, and after that, you can choose to go to university, a vocational school, or take up other specialized training. The more skills you have, the more job opportunities you'll have.

• Step 1: Identify your interests and skills. What are you passionate about? What subjects do you enjoy? Do you like working with people or are you more into technology or art? Knowing your interests helps you choose the right career path.
• Step 2: Create a CV (Curriculum Vitae). A CV is a document where you list your education, skills, and any work experience. Employers look at your CV to decide if you’re right for the job.
• Step 3: Apply for jobs. You can apply online through job websites like eJobs.ro or LinkedIn, or even in person at companies. Write a cover letter to show why you’re a good fit for the job.
• Step 4: Interview. If the employer is interested, you’ll be invited to an interview. This is your chance to show why you’d be a great employee.

Once you get the job, you’ll be paid a salary, which will be taxed by the government, and your employer will help you with contributions to social security, health insurance, and pension.

Starting your own business is a great way to be your own boss, but it takes careful planning, being a long and difficult road. Here are the basic steps:

• Step 1: Idea & Research. Think about what product or service you want to offer. Is there a need for it in the market? Who are your competitors? Doing research will help you understand the potential of your business.
• Step 2: Legal Structure. You’ll need to choose the type of company you want to create. In Romania, the most common types are a SRL (Limited Liability Company) or an PFA (Individual Authorized Person). For an SRL, you need at least one person (a founder), and you need to register with the National Trade Register.
• Step 3: Register your company. You’ll need to register your business with the National Agency for Fiscal Administration (ANAF) and get a Tax Identification Number (CUI). You also need to open a business bank account.
• Step 4: Get a license. Some businesses require specific licenses (for example, if you open a restaurant, you’ll need a health and safety permit). Make sure to check if your business needs any special authorizations.
• Step 5: Accounting and Taxes. You need to keep track of all your income and expenses and pay taxes. In Romania, businesses are taxed on profits, and you’ll need an accountant to help with taxes and filing.

For big purchases like houses or cars, you usually need a loan. Banks will check your income and credit history. Make sure you understand the total cost, including interest.

• House: To buy a house, you’ll need money for the down payment (usually at least 15% of the house's value). Most people use a mortgage loan to borrow the rest from the bank. The bank will give you the loan, but in exchange, you’ll have to pay back the loan with interest over many years. Banks look at your income, savings, and credit score before deciding if they’ll give you a loan.
• Car: For a car, you can either pay upfront, or you can get a loan from the bank. If you get a loan, you’ll pay in installments every month, plus interest.
• Both need legal paperwork and long-term planning.You’ll need a notary to handle the legal paperwork and make sure the transaction is correct.

Banks play an important role in the economy. They help you save money, take out loans, and handle other financial needs.

• Depositing Money: When you deposit money in a bank account, the bank can use that money to lend to other people. The bank pays you interest for keeping your money with them.
• Loans: If you need money for things like buying a house, car, or starting a business, you can get a loan. The bank gives you the money, but you need to pay it back with interest over time.
• Credit: Banks also offer credit cards, which allow you to borrow money up to a certain limit. But be careful! You need to pay back the borrowed amount every month, or you’ll pay extra fees and interest.

Budgeting helps you stay in control of your spending. Know your income, list your expenses, and make sure to save regularly—even a little bit helps.Knowing how to manage your money is essential to avoid getting into debt.

• Step 1: Calculate Your Income. This is how much money you earn from your job, business, or any other sources.
• Step 2: Track Your Expenses. Write down everything you spend money on, such as:
  Rent/mortgage
  Utilities: electricity, water, gas
  Food: groceries and dining out
  Transportation: car payment, gas, public transport
  Insurance: health, car, etc.
  Entertainment: movies, shopping, etc.
• Step 3: Set a Budget. After you know your income and expenses, try to create a budget. Make sure you save some money every month, even if it’s a small amount. You’ll need it for unexpected costs, like medical bills or emergency repairs.

Let’s break down a simple example for calculating monthly expenses.
You have a job that pays you 3,500 RON per month. You need to pay for rent, bills, food, transport, and phone/internet. Imagine you have the following expenses:

• Rent: 1,500 RON
• Bills: 300 RON
• Food: 800 RON
• Transport: 200 RON
• Phone/Internet: 100 RON
• Total: 2,900 RON

If your income is 3,500 RON, you’ll have 600 RON left over. That can be saved, invested, or used for fun.