The big 3-0 has heft: Most 20-somethings fear it, 40-somethings miss it and 60-somethings realize that they’re way wiser than they ever were back then.
We don’t think you’re defined by your age on a calendar, but this turning point in our adult lives sure seems to hold mystique; at the very least, you had a lot to say about our roundup of 30 bad habits to ditch by 30.
By the time we embark on our fourth decade, there are a few things we should all know: life skills to help us manage our money, maximize our talent and make the most of where we are.
Whether you’re looking ahead to your 30th birthday or are smirking from a place of divine wisdom, check out these 10 things everyone should know by 30 — and tell us what you think.
1. How to Budget
According to a nationwide survey conducted by LearnVest and Chase Blueprint®, only 38 percent of people have a monthly budget, and fewer than half are aware of what’s available each month for discretionary spending. This varies little across the gender, age or income groups.
It goes without saying that LearnVest prizes the power of budgeting. After all, a budget isn’t intended to limit you, but free you: Once you know how much you need to set aside for certain goals, you learn how much you have at your disposal to spend on the things you want, the life that will make you happy.
To get started with your budget, check out the LearnVest Money Center, where you can see exactly how much you’re spending and saving each month. For awesome budgeting action on the go, try LearnVest’s iPhone app.
2. How to Cook (at Least) One Signature Dish
Living off nothing but pasta and canned tuna is all well and good when you’re fresh out of college or still embracing your inner bachelor, but at a certain point, your palate should mature — without your wallet picking up the slack.
We know not everyone is born a culinary wonder, nor wants to become one, but with at least ten cable channels devoted to food, you can pick a culinary idol to emulate and a signature dish or three that will do more than simply sustain you.
Why? Cooking at home is healthier for your waistline and your budget, not to mention for family bonding time. Here are some healthy food ideas for you, and here are all our easy, quick and delicious recipes.
3. How to Write Professionally
Sure, you speak and write English, but when occasion calls, can you draft a cover letter, résumé or email that commands attention? Your career could depend on it.
Writing professionally applies not just to official memos to your department head. It also comes in handy when you want to negotiate a bill with customer service, or even write a thank you note. Even in less formal contexts, you’ll be remembered by the emails you send — and they form a permanent, written record of your work.
4. How Not to Part With Your Hard-Earned Cash
Sure, your 20s may be the decade of impulse buys, but with age should come fewer occasions for buyer’s remorse.
Here’s an easy rule of thumb anyone who’s spent three decades on Earth shouldconsider before plunking down a wallet: Ask yourself whether you’ll be glad in a month that you own this purchase. Then think about what else you could do with that money. Would you rather have this thing, or that lump sum?
To help you figure out whether the purchase is the right one for you, LearnVest built The Purchase Appraiser, an interactive tool to help you nip bad spending decisions in the bud once and for all.
Source: Huffington Post | LearnVest – LearnVest is a program for your money.