Hey, GVL. Kayla here, and this is the year I turn 30. It’s also the year I’m determined to feel like I finally “have my finances in order.”

If you’re in the same boat as me – even if it’s a younger boat – here are 5 money #MustDos before you turn 30:

1. Build up savings

It’s important to make saving your money a habit – but exactly where + how you save is up to you. Greenville Federal Credit Union offers four different types of share savings accounts.

2. Pay down debt

If you’re paying off student loans – an unavoidable burden for many us – try to make additional payments when you can to save on interests. Overwhelmed by multiple loans? Debt consolidation via a personal loan might be a good option for you. Tips on that here.

3. Set a budget

Finance guru Dave Ramsey says making a budget is simply telling your money where to go. It can be done in four steps:

1. Write down your total monthly income.
2. List all your expenses.
3. Subtract expenses from income to equal zero.
4. Track spending throughout the month – My Budget Manager can help.

4. Start an emergency fund

It’s recommended to have 6 months of living expenses saved up in your emergency fund. Aim to save $1,000 to start + build from there.

5. Plan for retirement

Even if it feels like a lifetime away, it’s important to start saving. Enroll in your employer’s 401(k) plan, if available – especially if they’ll match your contributions. #Asked: What about IRAs? Answer

Learn more about becoming a Greenville Federal Credit Union member here. Ⓟ