Your twenties and thirties are the ideal decades to start building lasting financial stability. Decisions made during these years can pave the way for financial security, and remember—it’s never too soon or too late to begin. Check out these 10 actionable tips to set your finances on the right path.

First, prioritise saving. Even small amounts add up, so aim to put aside at least 20% of your income into savings or investments.

Next, develop a budget and commit to it. free online financial money advice Knowing where your money goes ensures you stay in control of your finances.

Be sure to save for emergencies—having three to six months’ worth of expenses set aside is a reliable target.

Another key tip is investing early. Time and compound interest are your best allies—begin investing as early as possible.

Keep learning about personal finance, avoid lifestyle inflation, and always live below your means. These strategies won’t just help you accumulate wealth—they’ll also establish habits for lasting financial well-being.