What are the five financial mistakes that almost every thirty person is making in his life? Did you know that most of you arrive in the third x with hope, and yet they will be hopeless at the end of this lifetime? The reasons for this change can be traced back to money, family and careers. From these we will discuss the financial aspect, what to pay attention to, if you imagine yourself as a forty-forty-fortunate forty instead of a desperate one!
# 1 “Do You Give This? I give it! ”
Thirty-year-olds are actually the backbone of the flow of life. They have a little bit of everything in them, because they are no longer young, but not old yet. No longer poor, but not rich yet. They are no longer novices, but not old yet. Their careers are no longer started, but have not yet reached the top. They are already thinking of a family, but they have no family yet (meant for school-age children).
They live in an intermediate state
Intermediate status also means greater responsibility , a more consistent approach. Otherwise, they realize that the year is over, time is accelerating, and suddenly the enthusiastic thirties turn into a disappointed forty.
It is very difficult to remain financially sound at this age, because in an optimal case the budget surplus has surely accumulated, that is, there are several tens of thousands of hundreds of thousands of millions of millions more money, which is too little for something bigger (eg own home), but reassuringly enough for relaxation such as “everything in the Balaton summer”, where we are so tempted by the two restaurants and immeasurable spending.
He’s the biggest enemy of an average thirty
if you try to compete with your peers, the elderly and the financially less disciplined youth. It has to be understood that from the financial point of view this period is the most cautious, the most dangerous , since the biggest changes take place here. To say here we are actually financially adult and independent.
Have a plan, an implementation goal, and stick to yourself. In this age, “do you give it?” I’ll give it to you! ”say more difficult for trips, restaurants and entertainment, instead of looking for lucrative expenses (flat, investment, business).
Not so empty phrase: Here you have to lay the foundation for your own and your family’s future
# 2 Stagnation from a career crisis
At the latest by the early thirties, recognition is “how to go?”. We feel that we have done our best, but we are not there as our contemporaries or the older ones. Our ideas are difficult to realize and, at best, we have to pay ourselves for 20 years to have our own apartment at all.
The reason for this is often the comfort zone , which makes us think about changing jobs / areas, dare to risk and move on. In spite of all the results of research, there is still not enough incentive for many to say that regular change of jobs means exponentially increasing salary while stagnating at a workplace equals
as if you had signed up for not looking for more in the next decade!
# 3 Instead of a credit constraint, the goal should be to make savings
I wish I had as many forints as I have heard of the “run out” of the authentic, “never again” and “I would have done more than that”. The problem lies in the financial cultural features of the deepest bugyres of public thinking in society.
In Hungarian society, credit is still the dominant, generally accepted point of view. If you do not go for a first run of self-help, then we will ask for help immediately, we will get a loan. Because it is the most important thing to possess the present , even at the expense of the future. It is very difficult to understand that there are certain situations when you should wait, collect and think about the next step.
Credit is not bad
if we use it wisely and consciously. At the same time, credit should not be a solution and help for everything. A person who has not been able to leave $ 10,000 a month in the last 3-5-10 years, but would now go for a bigger and more expensive loan, is not particularly suited to his life as he is under pressure.
If this man had always been able to save, his savings would have been a compulsory part of his budget, but he would have to make fewer loans and lower repayments today. This person is experiencing a life-saving constraint who knows exactly what his goals will be with savings and financial discipline. Credit can be a relief.
# 4 Just another dream and one more…
Thirties are always faced with the inability to have the right backdrop for all their dreams that have accumulated over the last 30 years. In this case, they are rightly opposed to “why they have fought so far”, if not for dreams.
This is the typical zero-gate panic panic, that is , a panic attack on family foundation and commitment, when you want to realize as many “dreams” as possible before it’s too late! In this case, hundreds of thousands of video games, legos, travels and all the desires of a given person go.
In fact, they all cause momentary joy, which we treat at the very end when we realize that we were spreading the power of our first apartment in the “sea” completely meaningless. Perhaps this inconvenient self-rewarding stimulus is the biggest mistake of all thirty.
# 5 You want to go for purpose
Though I have not brought you any numbers now, but you have to accept the following formula:
money + time = lots of money
This means that we really need time to achieve great things (a typical thing in the life of a person: supporting his children, his own flat, carefree retirement years, a good car). Because we typically have limited financial resources, we need to learn to build the right balance between the use of resources.
Unfortunately, progressing from purpose to purpose is not necessarily rewarding in this case, because if you spend all your money on your own home / loan in the next 10-15 years, you will not have enough time to collect it. Like most children, due to lack of parental intention, they did not receive adequate support as an adult, but due to lack of time. By the time the parents paid the loan (for which all the money was focused), the child is an adult…