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Thirty is often seen as a benchmark for people to finally get their lives together. While it’s OK if you haven’t got things all figured out just yet, you should definitely start to focus on getting your financial priorities in order. Here are some financial tips that will help. Check out this article for a list of bad money habits you should drop before you hit 30.

Turning 30 can be scary. A lot of people view this age as a turning point in life. Somehow, they expect to become a completely other person overnight - preferably a more responsible one. Unfortunately, that never happens. Crossing this line may urge you to make a few changes, but, ultimately, improving your life is completely up to you. Wondering where to start? We recommend by sorting through your finances.

It’s true, it takes a lot more than a healthy bank account to live a full and happy life. For what it’s worth though, being financially stable provides a unique sense of security and significantly decreases your money-related stress. Having a solid savings account to rely on prevents you from accumulating new debt, while establishing healthy financial habits will help slowly eliminate the debt you already have.

The good news? It’s not even that difficult. You just need to eliminate the bad money habits that hold you back from achieving financial success. Here are a few examples.

1. Asking Parents for Cash

You should definitely be financially independent by this age. If you still rely on Mom and Dad to cover your bills and give you an allowance month after month, you need to do something ASAP. Educate yourself on matters of personal finance, advance your career, find a better-paying job that truly allows to develop your skills. Even if you’re still living in your childhood home, you should at least be able to contribute to household expenses. That’s what being an adult is all about.

2. Ignoring Financial Red Flags

Turning a blind eye to your financial problems won’t make them go away. If you’re broke, know it and own it. Not checking your bank account because you fear the number would be too low, not consulting your credit report on a regular basis, ignoring your bills – all these dangerous behaviors will eventually catch up to you. The sooner you deal with them, the better off you are in the long run.

3. Not Saving

You’re never too young to save. By 30, you should have a healthy emergency fund and you should have already started to save for retirement. To accomplish these two big goals, make it a habit to pay yourself first every month. Avidia Bank has a great article on why you should automate your savings. You can check it out here.

Also, keep in mind that, when it comes to financial tips, everybody has a different opinion on what the best saving strategy is. While it’s OK to ask for advice and consult as many resources as possible, it’s important to find ways that work best for you. Here are a few ideas to get you inspired.

4. Trying to Keep Up With Others

By this age you should be able to understand that spending copious amounts of money you don’t have just to keep up with your friends isn’t a very good idea. Owning the latest iPhone, buying designer clothes, and going to fancy restaurants just because your friends do it can easily prevent you from accomplishing your financial goals. Plus, if your decision to cut back on spending ends up affecting your friendships, those friendships weren’t worth nurturing in the first place.

5. Impulse Shopping

We all indulge in retail therapy from time to time. As long as you don’t go overboard and don’t spiral further into debt, it’s not a big problem. However, if impulse shopping becomes an issue, make sure you do something to fix it. Remember that being approved for credit and being able to handle it are two very different things.

Turning 30 isn’t life-changing. You won’t become wiser overnight. You won’t instantly know how the rest of your life will look like. You should, however, try to sort through your financial life before crossing that line. This way, you will have the freedom to focus on reaching all your other goals.