While heading into your 30s can be daunting, it is also the perfect time to evaluate your finances and get into shape to be better off in the future.
Here are some essential tips on how to do it in future you will be thankful!
1. Start paying into a pension - or increase your contributions
This is tip number one because it is startling just how many 20-somethings ignore their private pensions.
This is tip number one because it is startling just how many 20-somethings ignore their private pensions. Many will have been enrolled into a pension automatically – but unless you make changes yourself, it is likely you are putting in just one per cent of your wage into the pension, with your employer matching it - unlikely to be enough to retire on.

The great thing about pension saving is that it's not just you putting money into the pot - your employer and the government also chip in. The more you put in, the more they put in - and there's no point in declining free money.

2. Buy a home (if it suits you)
Many Britons get hung up on buying a property. It is something embedded in our psyche. However, it's hard to argue when mortgage payments often work out lower than rent – it makes us want to own a physical asset rather than loan it. It is likely many in their 20s will be renting privately or living with relatives. Recent figures from the Office for National Statistics show the number of homeowners in their 20s has been declining steadily. The biggest hurdle is often the deposit.

3. Start the savings habit
It's no secret that savings rates paid by providers are at rock bottom. This will put many off saving. But the most important thing about being in your 20s and saving, is simply getting into the habit – walk before you run.

4. Pay down your debts
A large portion of those in their 20s will have student debt. There is not an awful lot you can do about that except pay it off month by month. However, you can do something about credit cards you may hold. If you do have a relatively large credit card debt, look into taking out a balance transfer card. Before you know it, it will be paid off and you will stop being stung by monthly interest.

5. Ditch the waste
There is something about being in your 20s that often goes hand-in-hand with wasting money, usually because it is when you first start getting a solid pay packet to do what you want with.

6. Budget better
Some feel allergic to writing lists – but it works when it comes to budgeting. How much food do you waste each month? How much electricity and water goes to waste? Do you really need that Sky television package?

Trim back and learn to budget more. Take a look at your bank statements from the last six months.

Trawl through payments that were unnecessary and tally them up - make it your mission in the next six months to save that amount.
7. Learn about investing
Investing, a bit like pensions, feels too serious for many in their 20s. It might bring up images of the Wolf of Wall Street trading penny stocks on huge screens filled with graphs in a pinstripe suit grinning with a cigar.

8. Talk about finances
Talking about finances with your partner or close friends and family could help. They are likely to offer advice or help if you are struggling to get your head around a problem.

There is a tendency to clam up when it comes to your personal wealth, or lack of, but you'll be surprised what you can achieve with collective minds.

9. Negotiate your salary
Have you had a pay rise in the last few years? If the answer is no, it might be time to. Be polite, ask on a Friday when happiness in the office is likely to be higher and don't be embarrassed.

Come up with a list of reasons why you feel you deserve one – loyalty, skills you bring and where you want to progress should form the backbone. Alternatively it might be time to cast your net wider and see what other options are available to you, especially as you're likely to now have experience. And besides, if you are offered another job, that would give you some serious bartering power to make your boss think twice about refusing a pay rise. However only go down that road if you would seriously consider giving up your current job.

10. Ditch and switch
Loyalty seldom pays. How long have you held the same current account for? And are you happy with the service? Quite often, those in their late 20s are holding onto their original current account they may have opened at college or university - and may not be the best value for you.
11.
Ask
questions

If you don't ask, you won't know. Seek advice from a financial adviser - This is Money has a postcode IFA search to find advisers near you and what they specialise in.

See more @http://loanrepublic..com.ng/2016/06/heading-into-your-30s-we-reveal-11-tips.html

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