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The 4 things you must know about personal finance in your 30’s (incl. free net worth worksheet)

When you are over 30 it is vital to know your financial health. When you are financially stable you will have time to focus on other things without having to worry about how your finances look, if you would put it all together.




The best way to set up your budget

It is important to have a budget. It will give you structure and guidance. It will make you think twice on how you spent your money and more importantly why you are spending it. Make sure to understand what it is that you value, that is where you should be spending your money. Then every quarter revisit your budget and see if it is still in line with the goals you want to get out of it. Great starts to set up a budget are the 50/20/30 rule or the envelope system. Not every budget method is for you, so make sure that it works with you, not against you.


Your debt against interest ratio

Yes this can be a bit complicated but worth having a look at. Look at where you have debts and against what interest rate. The easiest way is to set this up in an excel sheet. Yearly check if the interest that you are paying on these debts (and this includes your mortgage and car loans, etc.) is still in line with the market. Check if there is any way that you can reduce your interest rate; this way more of your monthly payment will go towards relieving your debt instead of just paying the loan interest. Most banks are open to a conversation, if you have the right arguments. And off course always check if you can upscale your payments. The sooner you are out of debt, the better.


Your pension plan

We all get old (hopefully) and we all want to enjoy our retirement, so make sure to work towards that goal. Calculate what you might need, and start looking at ways to save money especially for that purpose. Be sure to be aware of the numbers and be ready with a plan.


Your Net Worth

You should know which areas of your financial health, are indeed healthy or toxic. Calculating your Net Worth is a great exercise to do this. You calculate your Net Worth by subtracting your Assets (everything you own) from your Liabilities (anything you owe). Here is a free worksheet to get you going. Make sure to keep track of your Net Worth over time, to see where and how you are increasing and where you need to pay attention to stop decreasing.


Download your FREE 11 page  Net Worth worksheet including 2 bonus pages!


  • Posted by tfsbzywmga on

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We are Olivia & Morgan

So both in our 30's, with exciting careers including fast track to CEO positions, we met at RSM Business School during our MBA in The Netherlands. 

Always afraid to drop the ball, we quickly figured out life after 30 is not about having everything together, but more about developing yourself, knowing who you and what your goals are and ESPECIALLY  knowing how to get there.

Because we can all dream, but turning that into action and reality is a huge challenge.

So we created this platform to develop and achieve your goals step-by-step.

We truly believe that if you can dream it, you can make it happen. Anything you want, you can achieve.  

This is the philosophy of Eve & Elle and the core concept behind every article we write and product that we develop.

Everything we do is about helping you make it happen.