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5 Financial Decisions that People in their 30’s Something Should Make


Turning 30 years old may make you feel more adult, than how you were when you were in your 20’s. Well, that is a reality we all have to face, whether we like it or not, we are really going to get older and will have to be more responsible and accountable. It is especially true when it comes to our finances.

People in their 30’s begin to think or even have started working on savings. Some have even thought about their retirement. You’d realize that being in your 30’s is no longer about gaining new experiences and partying, but is more of thinking about the future.


When you prepare for the future, your finances are always involved. So here are the financial decisions you need to make to make sure you are living the life you deserve and want in your 30’s and beyond.

1. Create a budget. Gone are the days when you are not mindful of how much you are spending and if you are spending more than what you are earning. This is not supposed to be the case anymore. Things should be different now and this is the best time for you to start budgeting, in case you haven’t started it out yet.

2. Try to look for an additional source of income. With the constant increase in the prices of basic commodities, having a single source of income is not enough. If your time can still accommodate it, try to look for ways to earn extra money on the side. Use your skills in writing, baking, or photography perhaps. All we need is a plan B so that you always have a fallback plan when all else fail.

3. Have an emergency fund. Once you reach your 30s, an emergency fund is extremely necessary because you need to make sure you have something to spend during unexpected and tough times.

4. Invest in a property. There is no better time to invest in a property than now. When you are on your 30s, you might also be starting your own family soon, and it is not ideal to still stay with your parents.

5. Your emergency funds should be different from your savings. Your savings is something you set aside for your short term or long term plans. Your savings should be a part of your budget and it will be better if you keep in a separate savings account.