Money moves through the AGES

You can't rewind the clock, but you can take control your finances at any time - we show you how

DIRTY THIRTIES 

This is the decade to get serious about your financial future. If you're money-savvy and plan well ahead, you can set yourself up for refreshing financial freedom later in life. But watch out for the following stones in the road:

1. Not being in tune with your partner

Finances cause conflict in relationships, so have the money talk during the early stages. Discuss your and your partner's income, debts and savings, spending habits and financial goals. Make joint decisions about managing your money long-term, including whether to combine your finances or keep some parts separate.

2. Not paying bills on time 

This is a big no-no. Tardiness can destroy your credit rating and make it tricky to get a home loan or car finance when you may need it.

3. Not investing in yourself 

Improve your earning potential by upskilling. Maybe your company offers staff development, or you could enroll in online classes and try other methods of self improvement to land that pay rise.

4. Not putting money aside