Personal financing tips for singles in their 30s and 40s

SAILOR. Make sure you have these five things in plan:

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Savings

Assurance

Investments

Loans (use them sensibly)

Retirement

Same tips for all ages - spend wisely!

Hello, I think for me the first thing i could do is to keep track of my finances and ensure that i do not spend it unncessarily. You know how it goes—when we start earning more, we tend to spend more, and that can mess with our financial goals. But honestly, if we stay mindful and stick to some discipline, we can avoid falling into that trap of upgrading our lifestyle when we don’t really need to. For example, online retail therapy, we might be buying more than we need haha. also, take some time to conduct a thorough review of your subscriptions also such as Netflix and Gym memberships, and eliminate those that you don’t use frequently. it is also important to think of ways on how you can protect yourself and make your money grow for you. you can look into investing and start your journey!

Understand your budget/spending Vs your income.

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Build your emergency fund and buy adequate insurance to cover yourself.

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Learn invest and trading. Do for long term, don't fall for get rich quick scams.

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Always learning.