Tuesday, April 27, 2021

5 Smart Financial Decisions to Make in Your 30s

 5 Smart Financial Decisions to Make in Your 30s

You will likely have made various financial mistakes during your twenties, such as failing to save money and treating yourself to items you didn’t need. As you enter your 30s, you might be eager to build a healthier nest egg, own a home, and live a debt-free lifestyle.


If you want to boost your bank balance and security as you grow older, here are five smart financial decisions to make in your 30s.

1. Improve Your Credit

If you made the mistake of taking out many credit cards during your twenties, and have struggled to repay the balances since, don’t despair. You’re still young enough to reverse your bad financial decisions and improve your credit rating.


You must start by paying off your credit card debt as soon as possible. By doing so, you can lower the interest rate and free yourself from debt at a fast rate. Also, you must pay every bill on schedule, dispute credit report mistakes, and close unused credit cards. 


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2. Invest in Property

If you already have a good credit history, investing your money into property is an intelligent financial decision. If you purchase a home in a popular or up-and-coming neighborhood, you could earn a fantastic return on your investment should you choose to sell in a few years. Plus, unlike with rent, every mortgage payment will be an investment in your financial future. 


Of course, you must not only consider a property’s potential resale value, but you must ensure it complements your current needs. For example, if you are looking for spacious, comfortable, and attractive homes in Hertfordshire, you will find a wide variety of houses for sale in Cheshunt that will tick every box on your list.

3. Build an Emergency Fund

An emergency fund can help you overcome various financial obstacles, such as a car repair, home improvement project, or an unexpected bill. Most financial experts would recommend people build at least six months’ worth of expenses, which can help them pay their bills should they lose their job. Also, research the different savings accounts available to make your money work harder for you each year.

4. Take Out Life Insurance

Life insurance is a must-have policy, especially if your partner earns a bigger income. If you or your partner were to pass away, it will ensure you will have a backup income that could cover the cost of your mortgage and household bills. Plus, the money could help your family pay for a funeral and repay your debts should the worst happen. Also, consider investing in a long-term disability insurance policy, which will provide financial protection should you experience a life-changing accident.

5. Grow Your Income

If you would like to retire at a young age or ensure you never need to worry about money again, look for ways to grow your income.


You could top up your bank balance by:

  • Growing a property portfolio
  • Starting a side hustle
  • Changing careers
  • Applying for a promotion at work

By looking for ways to grow your income in your 30s, you could prevent your salary from stalling and could reach your financial goals at a quicker rate.


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