{"id":11167,"date":"2017-10-03T16:33:59","date_gmt":"2017-10-03T16:33:59","guid":{"rendered":"https:\/\/keblog.demoapp.xyz\/?p=11167"},"modified":"2022-10-19T04:55:36","modified_gmt":"2022-10-19T04:55:36","slug":"money-goals-every-thirty-something-should-have","status":"publish","type":"post","link":"https:\/\/neo-blog.kalibrr.com\/blog\/id\/money-goals-every-thirty-something-should-have","title":{"rendered":"5 Money Goals Every Thirty-Something Should Have"},"content":{"rendered":"<p>Welcome to your 30s! You may be getting older, but you\u2019re also getting wiser; in fact, you\u2019ve probably begun to really establish yourself in your career. This means a bigger paycheck, better clothes, and possibly a few down payments on a house or car. It also means that it\u2019s time to put your finances in order so that your 30s (and beyond) can be the best years of your life. Moving forward, what should your 30s look like in terms of money goals?<\/p>\n<h3><\/h3>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_26 counter-hierarchy\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">TOPICS<\/p>\n<span class=\"ez-toc-title-toggle\"><a class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" style=\"display: none;\"><label for=\"item\" aria-label=\"Table of Content\"><i class=\"ez-toc-glyphicon ez-toc-icon-toggle\"><\/i><\/label><input type=\"checkbox\" id=\"item\"><\/a><\/span><\/div>\n<nav><ul class=\"ez-toc-list ez-toc-list-level-1\"><li class=\"ez-toc-page-1 ez-toc-heading-level-3\"><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/neo-blog.kalibrr.com\/blog\/id\/money-goals-every-thirty-something-should-have\/#1_Prioritize_investing_over_saving\" title=\"1. Prioritize investing over saving\">1. Prioritize investing over saving<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-3\"><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/neo-blog.kalibrr.com\/blog\/id\/money-goals-every-thirty-something-should-have\/#2_Refine_your_money-saving_strategy\" title=\"2. Refine your money-saving strategy\">2. Refine your money-saving strategy<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-3\"><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/neo-blog.kalibrr.com\/blog\/id\/money-goals-every-thirty-something-should-have\/#3_Upgrade_your_spending_skills\" title=\"3. Upgrade your spending skills\">3. Upgrade your spending skills<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-3\"><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/neo-blog.kalibrr.com\/blog\/id\/money-goals-every-thirty-something-should-have\/#4_Use_rewards-only_credit_cards\" title=\"4. Use rewards-only credit cards\">4. Use rewards-only credit cards<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-3\"><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/neo-blog.kalibrr.com\/blog\/id\/money-goals-every-thirty-something-should-have\/#5_Have_a_fully_liquid_emergency_fund\" title=\"5. Have a fully liquid emergency fund\">5. Have a fully liquid emergency fund<\/a><ul class=\"ez-toc-list-level-4\"><li class=\"ez-toc-heading-level-4\"><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/neo-blog.kalibrr.com\/blog\/id\/money-goals-every-thirty-something-should-have\/#This_article_was_contributed_by_eCompareMo_the_Philippines_largest_financial_supermarket_for_credit_card_loan_and_insurance_services\" title=\"This article was contributed by eCompareMo: the Philippines\u2019 largest financial supermarket for credit card, loan, and insurance services.\">This article was contributed by eCompareMo: the Philippines\u2019 largest financial supermarket for credit card, loan, and insurance services.<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-4\"><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/neo-blog.kalibrr.com\/blog\/id\/money-goals-every-thirty-something-should-have\/#Still_on_the_job_hunt_Click_here_and_see_which_opportunities_are_in_store_for_you\" title=\"Still on the job hunt?\u00a0Click here\u00a0and see which opportunities are in store for you.\">Still on the job hunt?\u00a0Click here\u00a0and see which opportunities are in store for you.<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-4\"><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/neo-blog.kalibrr.com\/blog\/id\/money-goals-every-thirty-something-should-have\/#Kalibrr_is_now_on_Android_Click_here_to_download_our_app_on_the_Play_Store\" title=\"Kalibrr\u00a0is now on Android!\u00a0Click here to download\u00a0our app on the Play Store.\">Kalibrr\u00a0is now on Android!\u00a0Click here to download\u00a0our app on the Play Store.<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"1_Prioritize_investing_over_saving\"><\/span><strong>1. Prioritize investing over saving<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Having a savings account is good, especially if you want to keep your money in a place that\u2019s easily accessible. However, being in your 30s is the best time to supercharge your net worth and make your money grow exponentially\u2014but this isn\u2019t going to happen if you just keep your money in a saving account. \u00a0 It mostly comes down to how much interest your savings earn. A normal savings account only yields 0.25 percent annually, and this is provided that your account has the minimum amount to accrue interest. If you want better gains, time to start investing! Take some of your savings and move it somewhere else like stocks, bonds, high-earning funds, and other investment areas.<\/p>\n<h3><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"2_Refine_your_money-saving_strategy\"><\/span><strong>2. Refine your money-saving strategy<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Back in your 20s, it was okay to make a few hits and a ton of mistakes; after all, the early years are the perfect time for learning curves and experimentation. Unfortunately, fun is almost over and it\u2019s time to put your game face on when it comes to handling your money. While most saving tips are geared toward setting a huge chunk of your salary aside, it\u2019s time to trim your expenses by skimming off some regular purchases.<\/p>\n<h3><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"3_Upgrade_your_spending_skills\"><\/span><strong>3. Upgrade your spending skills<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Money goals aren\u2019t always about savings; sometimes, becoming more adept in the art of spending can bring you one step closer to becoming a savings expert. This means wising up and comparing items not just based on price ,but also on the benefits that come with the purchase. To begin your journey toward savvier shopping, use the wide array of tools available to you. Thinking of buying an item? Canvas prices on online shopping sites. Want the best protection for your vehicle? Compare prices on a <a href=\"https:\/\/www.ecomparemo.com\/vehicle-insurance\" target=\"_blank\" rel=\"noopener\">car insurance comparison<\/a> portal. Use technology to your advantage.<\/p>\n<h3><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"4_Use_rewards-only_credit_cards\"><\/span><strong>4. Use rewards-only credit cards<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><a href=\"https:\/\/www.ecomparemo.com\/credit-card?utm_source=referral&amp;utm_medium=AFK&amp;utm_campaign=Money30s201710&amp;utm_content=Money30s201710\" target=\"_blank\" rel=\"noopener\">Credit cards<\/a> are packed with loyalty programs like rewards and cash-backs, now is the perfect time to use their full potential. Once you\u2019ve turned your card from a borrowing tool to a reward instrument, you\u2019ll prevent unnecessary spending. To use your credit card mostly for accumulating rewards, swipe all your purchases like bills and groceries to your card, just make sure that you pay them back in full month. Be mindful of your budget.<\/p>\n<h3><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"5_Have_a_fully_liquid_emergency_fund\"><\/span><strong>5. Have a fully liquid emergency fund<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If you don\u2019t have an emergency fund by now, then you definitely need one. They are useful in trying times like retrenchment, sudden hospitalizations, or other, well, emergencies. They also give you some financial freedom by hedging your risk. \u201cHaving six months of cash in the bank gives you a bit of freedom to take some risks. Maybe you finally want to start that business you\u2019ve been dreaming about or perhaps an opportunity comes up to travel for three months,\u201d wrote Brett and Kate McKay on the Art of Manliness. Your 30s may feel like a marathon that will never end. However, if you\u2019ve set your goals and keep your head in the game, you\u2019ll achieve them in no time\u2014setting yourself up for success in your 40s, and beyond.<\/p>\n<p>&nbsp;<\/p>\n<hr \/>\n<h4><span class=\"ez-toc-section\" id=\"This_article_was_contributed_by_eCompareMo_the_Philippines_largest_financial_supermarket_for_credit_card_loan_and_insurance_services\"><\/span><em><strong>This article was contributed by <a href=\"https:\/\/www.ecomparemo.com\/\" target=\"_blank\" rel=\"noopener\">eCompareMo<\/a>: the Philippines\u2019 largest financial supermarket for credit card, loan, and insurance services.<\/strong><\/em><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"Still_on_the_job_hunt_Click_here_and_see_which_opportunities_are_in_store_for_you\"><\/span><strong><em>Still on the job hunt?\u00a0<a href=\"https:\/\/www.kalibrr.com\/job-board\/w\/200-fresh-grad-%252f-entry-level\/1?utm_source=b2c-blog&amp;utm_medium=anchor-text&amp;utm_campaign=blog-cta&amp;utm_content=freshgrad-struggles-060827-june-2017&amp;ref=b2c-blog_free_blog-cta_freshgrad-struggles-060827-june-2017\" target=\"_blank\" rel=\"noopener\">Click here<\/a>\u00a0and see which opportunities are in store for you.<\/em><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"Kalibrr_is_now_on_Android_Click_here_to_download_our_app_on_the_Play_Store\"><\/span><strong><em><a href=\"https:\/\/www.kalibrr.com\/?utm_source=b2c-blog&amp;utm_medium=anchor-text&amp;utm_campaign=blog-cta&amp;utm_content=freshgrad-struggles-060827-june-2017&amp;ref=b2c-blog_free_blog-cta_freshgrad-struggles-060827-june-2017\" target=\"_blank\" rel=\"noopener\">Kalibrr<\/a>\u00a0is n<\/em><i>ow on Android!\u00a0<a href=\"https:\/\/bit.ly\/kalibrr-app-bl\" target=\"_blank\" rel=\"noopener\">Click here to download<\/a>\u00a0our app on the Play Store.<\/i><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n","protected":false},"excerpt":{"rendered":"<p>Welcome to your 30s! You may be getting older, but you\u2019re also getting wiser; in fact, you\u2019ve probably begun to really establish yourself in your career. This means a bigger paycheck, better clothes, and possibly a few down payments on a house or car. It also means that it\u2019s time to put your finances in [&hellip;]<\/p>\n","protected":false},"author":16,"featured_media":11168,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[18],"tags":[],"_links":{"self":[{"href":"https:\/\/neo-blog.kalibrr.com\/blog\/id\/wp-json\/wp\/v2\/posts\/11167"}],"collection":[{"href":"https:\/\/neo-blog.kalibrr.com\/blog\/id\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/neo-blog.kalibrr.com\/blog\/id\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/neo-blog.kalibrr.com\/blog\/id\/wp-json\/wp\/v2\/users\/16"}],"replies":[{"embeddable":true,"href":"https:\/\/neo-blog.kalibrr.com\/blog\/id\/wp-json\/wp\/v2\/comments?post=11167"}],"version-history":[{"count":0,"href":"https:\/\/neo-blog.kalibrr.com\/blog\/id\/wp-json\/wp\/v2\/posts\/11167\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/neo-blog.kalibrr.com\/blog\/id\/wp-json\/wp\/v2\/media\/11168"}],"wp:attachment":[{"href":"https:\/\/neo-blog.kalibrr.com\/blog\/id\/wp-json\/wp\/v2\/media?parent=11167"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/neo-blog.kalibrr.com\/blog\/id\/wp-json\/wp\/v2\/categories?post=11167"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/neo-blog.kalibrr.com\/blog\/id\/wp-json\/wp\/v2\/tags?post=11167"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}