20 for 30: 20 Tips for 30-Year-Olds

reading a list“All of us, at certain moments of our lives, need to take advice and to receive help from other people.” -Alexis Carrel

For today’s post we have formed a list of 20 tips that can truly make a positive difference in your life. Although our list is primarily intended for the “thirty-somethings,” we believe there’s something here for everyone. We hope you find our list helpful and fruitful.

20 for 30: 20 Tips for 30-Year-Olds

Finance

  1. Create a financial cushion – have at least one month’s emergency fund in your checking account.

  2. Have a trusted advisor to maximize your tax deductions while preparing your tax return.

  3. Do your best investing in appreciating assets – things that grow in value over time. Purchase real estate or art instead of cars and furniture

  4. If you have children create a fund for their future college tuition costs.

  5. Contribute at least 6% of your income to your 401K.

  6. Invest your money in a life insurance policy that will best suit your family’s needs in the case of the unexpected.

  7. Use your credit card sparingly. When you do use it, pay it off as quickly as possible to avoid a cumulation of debt.

  8. When you are using a credit card, make sure your financing is at the lowest APR rate available to you. Call your credit card company and speak with a representative to know where you stand.

  9. Understand and closely monitor your credit score and how it can impact your purchasing power.

  10. Save money on the little things. Bring your lunch to work and brew your own coffee when possible. This could save you up to $1200 a year.

Health & Lifestyle

  1. Take care of yourself, THEN take care of your work. You wouldn’t give someone a ride to the market if your car had a flat tire. Make sure you prioritize your own needs before focusing on the needs of others.

  2. Get between 7-9 of hours of sleep every night. This increases the speed of your metabolism. Not to mention you might actually wake up feeling well-rested for a change.

  3. It is better to eat smaller meals more frequently throughout the day as opposed to large meals a few times a day.

  4. Drink more water, take your vitamins and take care of your skin. Period.

  5. Exercise at least three times a week for 30 minutes. Get your muscles moving and natural rushes of energy from endorphins.

  6. Get a check-up in the doctor’s office at least once a year.

  7. Set both long-term and short-term goals. You are never too old or too young to start a new adventure.

  8. Surround yourself with the things you love. Whether those things are bicycles, vast ocean beaches, or fresh mountain air.

  9. Know what you are putting in your body. In this day in age we are surrounded by foods with GMOs and preservatives galore. You CAN find deals on organic eats and avoid fast-food chains.

  10. Give yourself free time to do the things you enjoy on a regular basis. This can be a quick walk around the block to soak up some sun or turning up the volume in the car to your favorite song.

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