Top 10 money mistakes of thirty years Bashny.Net

To 30 years many of us have a stable career. The majority is married or plans to join it in the near future. Some begin to travel more, buy apartments and cars. Having a baby or even two. But all this does not give reason to be pleased with our attitude to money.

In General, this rule works for all of our lives: we continue to make mistakes, but we continue to learn from each of them and try to avoid new. So, here's a list of potential monetary errors for all who are over thirty. On the eve of his fortieth birthday not to torment myself with the thought: "Oh, if I said this 10 years ago!".

1. Buy too many clothes for the baby
Probably make this mistake all parents. You buy clothes for the children, not because they want to look good, but because YOU want them to look like that. It is hard to imagine how much money is spent on these pretty dresses, shoes, instantly breaking machines, "educational" mobile app. Better put the money for his future education.



2. Marry, without discussing finances
Of course, money is very unromantic topic, but by the age of 30 should learn how to discuss complex issues. It is extremely important to have full understanding with your spouse when it comes to money. Otherwise the money will become the main source of conflict in your marriage and potential divorce. So let's talk about money with the person with whom you are planning to build a future and together develop your financial goals.

3. We've got debts and loans
Okay, do not take into account the mortgage. But such excuses we hear often:

• "If I lived alone, I would have closed this loan."
• "I would have paid all the debts, but we have a child."

In life there will always be something to happen, both good and bad. But if we ignore our debts, they will become a barrier to possibilities that can make our lives much better. Get rid of the credits! Stick to a tight budget, earn more and pay off. By the way, the life of a single person in their 20s, 30s and 40s is very different.

4. Trying to live "the Joneses"
TV more, the machine is more powerful, phone more expensive. In principle, all ages are susceptible to the idea of having things "like men" and thirty years — no less. Probably the fact that the society is particularly strong begins to demand from us confirming the status of a "successful person". In any case, don't forget to tailor their own costs with revenues, and not succumb to the false temptations of an expensive lifestyle and stick to your financial course.

5. Ignore the will
If you are unformed relationship, you have a baby, then take care of the legal side of the issue. It is unpleasant to think about death when you are only 30 years old, but you don't want your loved ones to defend their rights in court, when you're not around.

If very briefly, there are three types of events that should trigger an audit of your finances: marriage, birth and death.

6. Do not control your finances.
Control over expenses and income is an integral part of a conscious lifestyle. A sensible approach to money frees up resources for travel, increase their value through education, improvement of living conditions. Convenient to control your Finance EasyFinance.ru the more that service is free.

7. Do not insure your life
No one likes to think about death, but if in your life there is someone who financially depends entirely on you, then you should insure your life. It will not hurt to think about health insurance, which will cover more than health insurance.

8. Don't think about retirement
To retirement for a long time, thirty years, and the situation in the country, it seems, does not allow to build long-term plans. Of course, pension savings too early to put in the forefront, but it is time to sit down and calculate how much money you'll need when you stop working to maintain your current standard of living.

9. Do not share sources of income
Many of us — loyal employees, the employer appreciates and cares about us. Our parents worked all his life at one job, now get a pension, but such an option for our generation is not available. Need to find ways to maximize the diversification of our income. Try to earn something other than work: have a hobby that can bring money to — let brings. In the end, the loss of a job is now not so rare, and besides you about your future, no one will care.

10. Do not invest in their health
Your body is not getting better with age, and the farther, the less weaknesses he will forgive. Regular exercise, good physical shape, eating right — all of this will ultimately cost you less than the medication and treatment that you need after forty.published

 

P. S. And remember, just changing your mind — together we change the world! ©

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