1. Saved for big purchases — money spent on a wedding, having kids, buying a car or house should have been saved for in advance.
2. Living within means — financial priorities should be spending only what you make and not overdrawing your account or using credit cards to fund unnecessary purchases.
3. Have an emergency fund — having at least three to six months worth of essential living expenses covered in a savings account is crucial for a rainy day or when an unexpected financial hardship strikes.
4. Making maximum 401(k) contributions — your contributions into your 401(k) should have moved beyond matching your employers contributions into the highest amount allowed by your fund.
5. Master of automation — automatically transferring money into your savings before paying the rest of your bills can keep you consistent with your savings and tapping into the power of compounding interest.
6. Have a Roth IRA — take advantage of tax-free withdrawal accounts through a Roth IRA over a conventional IRA that takes your money with you need it.
7. Written a will — it is important to protect your family and money by having a will that outlines beneficiaries and how money is to be dispersed.
8. Paying off high interest debts — credit cards and other high interest accounts should be the priority in repayment to reduce the amount you are paying in fees over time.
9. Have a decent credit score — having a score between 680 and 699 is good, but a score over 700 is considered excellent.
10. Read finance books — we all could use a little help managing our money and personal finance books are good source of information to help you tighten up the holes in your financials.
11. Know how to negotiate — from a loan to your salary the art of negotiation takes practice, but can really benefit your financial profile when you win.
Read the full article at: http://www.nationaldebtrelief.com/11-financial-things-done-turning-30/