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10 Financial Goals for your 20s & 30sQantas Credit Union has all the tips for a financially sound future

Your 20s & 30s are the ideal time to lay the foundations for a sound financial future.

More and more people are using their 20’s & 30’s to explore new skills and training, travel, socialise and make the most of their responsibility-free years. In saying that, your 20’s & 30’s are still a great time to set the stage for your financial future.

  1. Climb the property ladder
    Purchasing your first home when you are younger can help accelerate your future finances. It is important for those in their 20’s & 30’s to learn about lending requirements for investing in their first home

  2. Don’t be excessive with your credit card
    Credit card debt can result in sky-high interest payments, which can hurt your attempt to save. Swapping to low-interest balance transfers is often smarter than making minimum repayments, as decreasing your interest rates can help you get your finances back on track.

  3. Live within your means
    Budgeting is a vital skill that can help you take control of your finances. Gain a better understanding of your financial position by analysing your main revenue and expenses.

  4. Start Saving
    Develop a saving habit that can bridge the gap between your current financial situation and your long-term goals. Putting a proportion of your money into a high-interest savings account can help earn you a decent financial return.

  5. Ramp up your super
    Making voluntary contributions into your superfund is one thing to consider, as this can help boost how much you will have once you eventually retire. That $10 a week you put in now could make for a comfortable retirement.

  6. Start an emergency fund
    During our lives, we all face unexpected challenges, such as a job loss or an accident that requires taking time off from work. An emergency fund means you will be able to help absorb the fallout from these types of unexpected life events.

  7. Protect your income
    Income protection is vital, in the instance that you are forced to give up your job.

  8. Meet with a financial advisor
    Although speaking with a financial adviser isn’t a high priority for most young people, scheduling an appointment before you turn 30 can help with future plans.

  9. Write a will
    Many young people underestimate the value of their assets, which include things like savings and personal items. Preparing a will means you make it clear what you would like to happen to any assets you might have in the event of a death.

  10. Consolidate Debt
    If you find yourself overwhelmed with a letterbox full of bills for credit cards, store cards and personal loans you need to consider consolidating your debt. By consolidating your debt into one low rate personal loan, you will have more control, and find it easier to get your finances back on track.

Taking control of your financial destiny before you turn 30 is a powerful achievement. If you have a plan in play early in life, you can set the path for a secure financial future.

Talk to one of Qantas Credit Union’s Financial Planners today, call us on 1300 787 787, visit or your local branch for more information.

Plan ahead with Qantas Credit Union

All Financial Planners are Authorised Representatives and provide advice under the authority of ClearView Financial Advice Pty Ltd, ABN 89 133 593 012, AFSL 331 367. QSCU receives a commission for referrals to ClearView. You should consider the relevant Product Disclosure Statement (PDS) before investing in a product. Please refer to the Qantas Credit Union Financial Services Guide (FSG) and ClearView's Financial Services Guide for more information.

The information is of a general nature and is not intended to be a substitute for personal advice. This information has been produced without taking into consideration your personal financial circumstances, objectives or needs. You should consider the appropriateness of the information to your financial situation and seek personal advice before acting on any information.

© 2014 Qantas Staff Credit Union Ltd trading as Qantas Credit Union | ABN 53 087 650 557 | AFSL / Australian Credit Licence 238305 | BSB 704 865