For some reason, we all believe that we should have figured out everything before we reach the age of thirty. We believe that if we don’t have our lives together by the time we are 30, we lose the game of life, and there is no more hope for us.
So, before we move on to the list of tips on how to get your life together in your 30s, you should know that even if you wasted your 20s and you didn’t do much – it is fully possible to turn your life around and make positive changes in your 30s.
Start with Your Mindset
Before you do anything, you should know that real change comes from within. By changing the way you think of yourself and the world in general, you will find it possible to change your life, improve your health, improve your finances, and improve your physical and mental health.
Yes – you read this right. Age should never be a limitation regarding improving your life and doing better than you were doing before. So, even if you are in your late thirties, you should know that you can indeed be a better person, make more money, and live the kind of life that you deserve.
Work On Your Finances
When you are in your 30s, your expenses are higher than your expenses in your 30s. Your priorities are also different from your priorities in your 20s. You might have kids to prioritize or a mortgage to pay. Whatever your priorities are – now is the time to work on your finances.
Having a budget is absolutely mandatory as you will keep track of all your incoming and outgoing finances. Now, to build yourself up financially, focus on paying off your debt and landing a better credit score.
More importantly, start investing in your future self by setting up a retirement fund. If you don’t know anything about maneuvering your finances in this direction, you might want to get in touch with the best pension adviser London and learn how to set up and supercharge your retirement fund. Apart from the retirement fund, you will also be building your emergency fund so that you have at least six months of your living expenses ready in case things go down and you lose your job.
Change Your Direction
Once you change your mindset for the better – the next thing that will naturally follow is a change of direction. You will need a lot of perseverance, consistency, and grit. All you need is to decide to do something and then stick with it.
Perhaps you have made countless decisions in your life before, but you have never successfully stuck to something before in a way to make it last and to get some value from it. Maybe, before today, you have always been the type of person who picks things up but never follows through.
All of that is a matter of the past now. You don’t have to be an underachiever for the rest of your life. You might have tried a lot of things in life, but now you know what does and doesn’t work for you. Pick from the things that are your strengths and then keep honing on them until you reach success.
Find your passion, which could be anything, including launching an online business. With the right mindset and a passionate mindset, you can achieve anything that you set your mind to – even in your 30s.
Avoid Lifestyle Inflation
If you are in your 30s, there is a great chance that you are making a lot more money than in your 20s. A good way to sabotage that is to spend too much of that new money. If you are guilty of this, then you should know that you aren’t alone.
The thing is that most people who are great accumulators of wealth are actually the ones who aren’t sending too much of their income. They often try to keep their lifestyles as cheap as possible, which is why the difference between how much they make and how much they spend allows them to accumulate wealth.
On the other side of the coin, we can find people who look really well-off – but – they are the ones who are in deep debt. This aspect causes many people to live paycheck to paycheck – even on a large salary. So, when you are in your 30s and you start earning more money, the best thing you can do is keep your spending at the same level or increase it very slightly while your income rises.
