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By accessing this website (the ‘Site’), you agree to be bound by the following terms and conditions (the ‘Terms’). Before using this Site, you should read carefully the Terms, our Cookie Policy and also our Privacy & Security Statement. If you do not agree to these Terms & Conditions, please do not make use of this Site.

The Site has been approved for issue in the UK by Harrison Rowe Financial Planning Limited trading as Harrison Rowe Private Wealth. Harrison Rowe Financial Planning is authorised and regulated by the Financial Conduct Authority (“FCA”), and is entered on the Financial Services Register with the firm reference number 208467.

Harrison Rowe Financial Planning is part of a global group of businesses known asThe Harrison Rowe Group. Harrison Rowe Financial Planning Limited is registered in England and is established at 56, Wentworth Road, Blacker Hill, Barnsley, United Kingdom, S74 0RP, which is its registered office.

Unless otherwise stated in relevant sections of the website, this website is targeted at investors who are generally classified as qualified, professional, accredited or institutional. The information contained in this website is directed only at persons in a country or jurisdiction where access to the information and the use thereof is not contrary to local law or regulation. It is your responsibility to be aware of and to observe all applicable laws and regulations of any relevant jurisdiction when accessing the information contained in this website. In particular, no offer or invitation is made to any US persons (being residents of the United States of America or partnerships or corporations organised under the laws of the United States of America or any state, territory or possession thereof), who are excluded from the services, funds and products included in this site. There will be no public offering of services, funds and products in the United States.

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You acknowledge that we may amend these Terms from time to time, at our sole discretion. If we elect to amend these Terms, the revised version will be posted on the Site. You undertake to check the Site regularly for any changes we may have made since your last visit to the Site, since any such changes will be binding on you. By using the Site after we have changed or amended these Terms, you acknowledge that you will be accepting those changes or amendments.

These Terms & Conditions were last updated on 6th February 2019.

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6 Steps To Becoming A Financially Astute 30-Year-Old

‘30’s the new 20’ rings true for many individuals in the current workforce. With people choosing to have children later, frequent career changes and globalisation enabling free travel, for many their 30’s are still dominated by personal discovery. The search for personal growth should never end and we should all strive to learn something new every day, however those in their 30’s are halfway to retirement and many are blissfully unaware of what they will need when that last day at work comes.

It is difficult to comprehend your retirement when there are another 30 years between then and now, however it is important to prepare early in order to reduce any strain in later life. We have put together a set of principles that young professionals should live by in order to become financially astute and secure.

1. Stick to that ‘New Years’ Resolution’ budget

New Years Resolution budget

It is rare to find someone who hasn’t dabbled with budgeting apps or a personal spreadsheet, it is even harder to find someone who uses these to effectively manage their spending.

As you enter your 30’s it is highly likely that your expenses increase, and it is important to keep track of this in order to cut out unnecessary costs. A Latte on your way to work will cost you around $4. That’s $20 a week or nearly $1,000 a year…and there’s a coffee machine in your office.

Now we’re not saying there’s anything wrong with a Latte but if you’re trying to reduce your expenses then maybe settle for an instant coffee every now and then. If you can’t bear the thought of using the kettle then maybe drop the extra Vanilla shot or settle for a smaller size…it all adds up.

The discipline you gain from sticking to a budget for your day-to-day expenses will benefit you with more complex financial transactions such as mortgages and investments.

2. Get on top of your debt

Get on top of your debt

For many, debt is a part of life. Mortgages, Credit Cards, Student Loans, Car Loans…
The interest snowball grows and then repayments are just considered normal. It doesn’t have to be this way.

Line up your debts on a spreadsheet or napkin alongside your budget. Minimum repayments for everything are a given. Next, look at the debt which you are closest to clearing and prioritise this. Once you start clearing outstanding debt, you will feel a sense of accomplishment and move onto the next, and the next…

Debt can be a virus, stamp it out ASAP.

3. Write your goals down somewhere you can see them

Write your goals down somewhere you can see them

It is so easy to get caught up in the hamster wheel of life. If you want to make serious changes then you need to take a serious approach. Find a quiet spot and get yourself a coffee (a small one). Have a think about what you really want to achieve/see/own and write them down. Alongside these goals, you then need to write out a plan as to how you will achieve them. How much can you put towards each goal from your monthly budget? Do you need to stagger these goals in order to suit your budget? Which goals are imperative, and which are luxuries?

Once you have devised these plans then make sure you are checking in with them and your budget constantly. This will ensure that you stay on the right track and don’t get caught up in wasteful expenditure like you used to.

4. Don’t see your monthly pay check as pocket money

Dont see your monthly pay check as pocket money

The Bezos’ and the Gates’ of this world are not always flamboyant with their spending. Granted, they have vast estates, but they are generally considered as conservative individuals. On the other end of the spectrum, you see those splashing their “wealth” on expensive cars and other tangible luxuries which inevitably leaves them in a hole of debt as their income can’t keep up with that ‘Lambo lifestyle’.

A good rule of thumb is to begin by saving 10% of your pay check each month and living off the remaining. This is especially important for those living in countries that do not take National Insurance/Pension Contributions as standard. The 6th April 2019 brought with it an increased minimum contribution for pensions in the UK to 8% of income when employee and employer contributions are combined. That’s just the minimum.

To put yourself in a strong position for the future you should be looking to save and invest between 25%-40% of your income.

5. Leave your ‘Emergency Fund’ for emergencies

Leave your Emergency Fund for emergencies

Everyone should have an emergency fund. If you don’t, you’ll rely on credit cards/overdrafts or your savings for unplanned expenses or periods of unemployment. Your emergency fund shouldn’t be used to pay for Christmas presents. Emergencies only.

We recommend an emergency fund of between 3-6months income. Obviously, this takes time to build but don’t miss a month because you’ve got a holiday coming up. Prioritise your emergency fund and you’ll thank yourself later.

6. Don’t forget about your retirement

Dont forget about your retirement

You work hard for your money, you work hard for your family and you work hard so that you’ll be able to enjoy a relaxing retirement once you’ve done your bit. That’s not going to happen unless you start saving for your future, now. In your 30’s there’s still time to make a big difference to the quality of life you have in retirement, so let’s get started. Those of you in employer-provided pension schemes, check what level of contribution your company is willing to match and make the most of it. Those of you whom this doesn’t apply to, get your savings invested so you can benefit from compound interest and time in the market. The earlier you start, the greater the benefit.