30 targets to be achieved by 30 years

Many things in our life revolves around money. Good or bad - the personal question of each person, and to impose your opinion here is meaningless. But one thing is certain: the money - it is an integral part of our lives, and their ability to earn will never be over.

But in order to Earn Money, One must also know the basics of money. Taxes, banking, passive income - the financial determination should not be strangers to you. Great if you have a stable and favorite work, which generates income. But do not forget that things can change, so having a backup plan is always helpful.

In this article, we chose 30 financial goals that you need to put yourself and reach the age of 30. Implementing them, you will be confident in your financial future.

1. Financial independence from parents

Parents will always take you baby, but you need to remind yourself and them that you are an adult and can provide for themselves.

2. Lack of debt

Live according to his ability, and if you can not afford to buy something, do not try to take the money for it. Debt destroy not only financial stability, but also the relationship.

3. Get rid of the outstanding loans

And once again our desire to have as many things throws us into the financial hole. Debts on loans may have a negative impact not only on credit history, but also on the financial well-being.

4. Maintain your credit history

Do not let errors of youth cross out your plans for the future. Several missed payments in his youth or exceeding the credit limit on the card will affect your credit history.

5. Save for retirement

If you think that old age comes only to other people and will never come to you, I have bad news for you. It is unlikely that you ever thought about the distant future, but do it, and old age will not catch you off guard.

6. Explore investment and create an investment portfolio

By age 30, you must have your investment portfolio. Bank investments are also good, but a diversified portfolio can bring even a small but steady income.

7. Have a reserve fund

Try to have a reserve of money equal to 3-5 to your monthly expenses. Just in case.

8. Insurance

In our countries, development of insurance is not as much as abroad, but the hedge, real estate and particularly valuable items will not be superfluous.

9. Use exemptions to the maximum

If you have the opportunity to receive some benefits, be sure to use it. Otherwise, this is equivalent to a waste of money.

10. track costs

The only way to manage their money - is to watch their expenses.

With the application it is very easy to do. For instance, Dollarbird for iOS and Moneywise for Android.

11. Put an end to impulse buying

The faster you get rid of the habit of buying things just for fun, the better. Stop buying things that you do not need, and learn how to determine this in advance.

12. Spending money on the right things

You do not live in a dorm or apartment of the parents. Surely you have your own apartment, and a waste of money for its improvement is quite logical. Buying curtains, furniture or even a gym membership - excellent examples of correct shopping.

13. To monitor credit accounts

Spending other people's money is very easy, but the banks do not forgive such levity. So do not forget to periodically check their bills and the time to notice and to repay their debts to the bank.

14. In time to pay for utilities

We can endlessly complain about housing and communal services, but will still have to pay for the services. And you can even force the bank to pay them for you!

15. Spend money on big, but useful thing (see. P. 17)

By age 30, you should give yourself at least one financial triumph. It can be a car or a trip, but you just have to save the money and spend it in this way. You will long enjoy this purchase!

16. Understanding the tax system

We must learn to understand how the tax system works and how you can save on this. For instance, how to get taxPaid in other countries, save on sales tax or buying an apartment.

17. Save for a big purchase

Create a long-term plan and confidently go to its implementation. Each of us has a dream, for which such a plan is a must.

18. Thinking about a career

Your work - is the main source of income. If you like your job, do not forget about improving their professional skills and careers. Attend seminars, lectures, learn from successful colleagues.

19. Passive income

Let it be small, but you have to have an extra income on the side. If you have not even started to look in that direction, it's time to start. Find out more about investing, stocks and diversified portfolios.

20. Your capital must grow

Formula asset - liabilities = positive amount very urgent. Moreover, this amount should only increase. Your assets should increase each year. How? Depending on your desires and actions.

asset - liabilities = positive amount

21. SCC, or superkrutaya goal

You have to have such an objective. Have a six-figure salary or bank account in a few million - goal yourself. And after you have put it, strive to achieve it with the help of smaller goals. Once you have achieved this goal (you just have to reach it), put yourself next.

22. by means of a life

And I'm not saying that you need to save. Not. But you must understand that to buy cool stuff you have to earn cool. If you want to buy a vacation home, figure out how much it costs and how much you need to earn for such a purchase. If while you can not afford it, do it with your SCC!

23. Comparing itself with the surrounding

We have said many times that the life that people show in social networks and real life - are two different things. So do not blame yourself and envy a friend who bought a new car. Maybe he was saving her last 10 years.

24. Put an end to consumerism

It makes it very difficult, because we live in a consumer world, and we constantly want to sell something. But we should not measure its success by material things.

25. A healthy relationship with a credit card

Try not to spend the bank money on unnecessary purchases. And do not miss the final terms of payment of debts.

26. Charity

Take a small amount to charity. $ 10-15 per month do not hit on your budget, but will bring satisfaction and you will help others.

27. Healthy financial relationships within the family

If you are attached, then the creation of a specific financial system will benefit you and your partner. Money too often lead to the breakdown of relationships and divorce, and you definitely do not want.

28. Used - does not mean bad

Deep in our minds postponed the idea that second-hand goods - that's bad. With this fad must be addressed. And sites like Ebay, great help in this.

29. Stop paying unnecessary fees

Withdrawing money at an ATM of another bank or accidentally attached the tariff for the phone, which is not really needed, but you just too lazy to turn it off. Such situations eat the money, and it's entirely your fault. This is forgivable in 20 years, but the age of 30 must learn to keep track of your money.

30. Money - it is a medium of exchange, and they do not deserve to be possessed by them

It is financially sound great, but it is not necessary to devote to this all his life.

Study finance, develop financial, but do not make money is the number one goal of his life. Trite, but that does not make you happy.

Do you have any tips to help others properly maintain personal finances and achieve financial goals? Share them in the comments!