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How to Become Financially Secure Before 30

kira86 于2012-10-31发布 l 已有人浏览
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30 is the age most men target to be at the peak of their career, have their finances in place and be

30 is the age most men target to be at the peak of their career, have their finances in place and be settled to face any challenges the future may bring.

In case you are sailing in the same boat, but are wondering if you can meet your targets, read on for a step-by-step approach.

Step 1: Plan Your Career
Financial security is synonymous with professional accomplishments. Planning your career graph as early as possible is the best way to ensure that your finances are secure and stable while you are still in your 20s. A well-targeted education, in sync with your professional aims, will aid in this accomplishment.

Step 2: Start Saving Early
You should start saving almost as soon as you start earning. Whilst you may have loans to repay and other commitments to take care of, setting aside even a small amount every month will be of enormous help.

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Step 3: Make Investments
Consult your chartered accountant (yes! You must have one well before you touch 30!) and find out the best ways to make investments. Whilst a Provident Fund (PF) account may seem too far-fetched, it is wise to open one at the earliest possible. Other investments include mutual funds, life insurance covers, real estate investment and various risk-free options such as Post Office, NSC and Fixed Deposit.

Step 4: Avoid Extravagance
The early years of your career may offer you various chances to splurge your hard-earned money and show off your spending power amongst friends. Try not to inculcate such habits. These should be the years you save every penny possible.

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Step 5: Every Penny Counts
Making every single penny count does not imply not spending on comforts and luxuries, or living a stringent life. What it does refer to is keeping track of all your expenses. Maintain a diary. Maintain a monthly expenses ledger. Know what your expenses are, rather than wonder, at the end of the month, where the entire paycheque went!

Step 6: Set Milestones
Mini-goals are the key to achieving the larger ambitions in life. Set milestones for yourself. For instance, you can set the target of the kind of job you would like to be in by the time you are 25-years-old. You could set the goal of owning a particular sedan by the time you are 28. And the list can continue. The achievement of these goals shall make your resolve more steadfast and financial security a better challenge to pursue.

Financial security before the age of 30 could be a dream for many, but a goal to be achieved for the strong-willed. Remember, nothing is impossible, if you have the focus right.

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