![]() Do you really want to still be paying off youthful financial indiscretions as you approach your 40s? If you need help figuring out a plan to get out of debt, free Credit Counseling is a great place to start. If you spent your 20s relying on credit cards to make ends meet (or you still are) it’s time to start spending less than you earn and making a real effort to pay off credit card debt. It might be a little uncomfortable the first few times you try it, but once you’re successful you’ll feel empowered to continue. Whether you’re presenting your case for deserving a raise or trying to get a better deal on that new car, learning to negotiate can help you get – and keep – more money in your pocket. ![]() Although it’s not fun to think about, there’s no way to know when a sudden illness or job loss could affect your income. And if you don’t have emergency savings yet, start putting money away now. Evaluate how much you have saved and increase your contributions if need be. But chances are your living expenses are much different now than they were in your 20s. ![]() Evaluate Your Emergency Savingsīy now, you should have an emergency savings account with enough cash to cover 3-6 months of living expenses. It’s tempting to skip it if cash is tight, but you will regret it later if you don’t start saving for retirement now. If you haven’t done so already, sign up for your company’s 401(k) plan or, if you’re self-employed, establish the appropriate IRA for your situation. Retirement is still a long way off, but it’s a lot closer than it was in your 20s. Here they are: Establish Retirement Savings But no matter where life finds you, there are several important money moves you need to be making during your 30s. And you might be firmly established in a thriving career or still figuring out the right fit for long-term job satisfaction. You might have a house and a mortgage payment, or still want the the flexibility of renting where you live. You may already be married and starting a family, or still enjoying the single life. Life in your 30s is different for everyone.
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