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Hit the Dirty 30? Three Reasons Your Financial Plan Needs to Grow Up, Too

Hit the Dirty 30? Three Reasons Your Financial Plan Needs to Grow Up, Too

You may have partied, traveled and danced your way through your 20s, but when you hit that “Dirty 30,” it’s time to start playing like an adult. Adults manage money conscientiously, spending and saving in ways that reflect their lifestyle, goals, and responsibilities.

Everything changes as we mature and our financial plans should, too. In case you require convincing, consider the following truisms that apply in your 30s:

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It’s not about you anymore.

At least, not entirely. Whether that special someone is a significant other, family member, or pet, chances are good that you will acquire some financial responsibility for another living, breathing organism as you mature. Giving to those you care about is a magnificent feeling. Keep it a blessing, not a burden, by putting aside small sums each month to help you give in the manner you desire.

Financial planning includes more than investments. Be sure you are aware of the location and contents of important papers, such as wills, of those you may find in your charge. While you’re at it, check that your own documents are up to date and stored in a safe location.

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If someone or something is dependent upon you financially, it is also a good idea to look into types of insurance that may protect you and them in the event of an accident. Can you afford the bill for a medical or veterinary emergency? If something happened to you, would those you leave behind be left without a home, vehicle, or income? Talk to your financial institution about property, medical, vehicle, and life insurance; remember to ask about bundled rates or discounts for multiple services.

Still staggering under student loans, or taking a hard look at your credit cards and panicking at debt? Meet with a financial planner to discuss how to get back on track, and commit to your plan. Minor lifestyle changes can add up to big progress in paying off debt.

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Studio apartments eventually lose their charm.

Cramming the best Ikea has to offer into 600 square feet is utilitarian when all you need is a crash pad. As you develop personally and professionally, however, you will at some point want to live somewhere with enough space to welcome family and friends. Perhaps your profession will require you to see clients at home from time to time, or your boss may stop by. Forget what you want; if you have kids, you’re flat out going to need more space!

Space, of course, takes money. So does the security that comes with good neighborhoods, and furniture that doesn’t break if you lean on it too hard. Even if you are rolling your eyes while you read this and thinking that kids sound like a party-ending curse, start setting aside money for a living upgrade, now. When something perfect comes on the market, or you suddenly meet the man or woman who makes you want to build a life together, you will regret not being ready. If it helps ease the transition, think of it as the fund for a bigger and better bachelor or bachelorette pad. However you label it, start saving!

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One day, it might be nice not to work.

Retirement, that siren song reserved for your parents and “old” people. Right? Wrong. Retirement is a goal that should be on your mind now, along with an awareness that as Social Security and other benefits slowly disappear, retirement is a goal an increasing number will never reach.

If you have any aspiration of reaching retirement comfortably, you must start planning now. Look into 401(k) options at your job, or open a traditional or ROTH IRA and do your best to maximize your investment each year.

Ready to get going?  Check out the 14 Important Steps You Should Take To Free Yourself From Debt.

Featured photo credit: seniorliving.org via flickr.com

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Last Updated on February 11, 2021

Want to Get Free Product Samples Like Bloggers and Beauty Gurus Do? Read This.

Want to Get Free Product Samples Like Bloggers and Beauty Gurus Do? Read This.

Imagine receiving a regular supply of free samples through your letterbox?

These free samples by mail could include things such as cleaning products, cosmetics and packaged food.

Free samples are a great way to try out some of the latest products. One week you may have a new toothpaste to try – the next week you may be snacking on a delicious chocolate cookie sample.

As the saying goes, variety is the spice of life. And by requesting free samples by mail (I’ll show you how shortly), you’ll have not just variety – but fun too!

Tell Me More About Getting Free Samples Sent to My Door!

So, it looks like I’ve caught your interest. That’s great news!

Just before I introduce you to 10 places where you can get free samples by mail, let me clarify a couple of things.

Firstly, all the places I’ll talk about are currently active in sending out free samples to consumers. (In other words, no links to out-of-date or dead pages!)

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Secondly, location is key. If you live in North America, then you’ll have a wide selection of places to sign up to. In other locations (for example, Africa, Asia and Europe), you’ll have fewer choices – but free samples by mail are still a possibility.

Lastly, to whet your appetite for the freebies, here’s a short list of product examples:

  • Pet food.
  • Beauty products.
  • T-shirts.
  • Greeting cards.
  • Wallets.
  • Snack bars.
  • Vitamins.

Free Samples by Mail… Tell Me Where to Get Them!

It’s now time to share my recommendations for the best sites to claim free samples from.

Let’s start with…

#1 SampleSource

    This company sends out boxes of 6-12 free samples about four times a year. Products include baby wipes, cereals and tissues. Register with SampleSource to be notified of the availability of their free samples. (Canada and U.S. only.)

    #2 Influenster

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      As their name suggests, Influenster wants to send free samples to you in exchange for you sharing about the products on your social media accounts. Once you’ve become a member (join for free!), they’ll send you a box of free goodies every few months. The more you share pictures and reviews of the products – the more free samples they’ll send you! (All major territories.)

      #3 PINCHme

        This organization will send you free samples in the hope that you’ll then go out and buy the equivalent full-size products. To receive regular boxes of free food, drink and cosmetic samples (and sometimes coupons), then sign up and create your profile. (U.S. only.)

        #4 House Party

          Thinking of throwing a house party? If yes, then be sure to sign up with this company. They’ll send you a box of ‘themed’ products and services that you can hand out at your party. Register with House Party. Wait for the fun freebies to be mailed to you. And then start sending out your party invites! (Worldwide.)

          #5 YoFreeSamples

            This site is a great resource for a whole host of free samples that can be mailed directly to your door (with no survey requirements!). You’ll find anything from books to perfume, with new offers listed daily. Head over to their site to see what’s currently available. (Mostly U.S., with occasional offers for other countries.)

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            #6 Magic Freebies

              The U.K.’s most popular freebie site. Register for their email newsletter, and they’ll send you a daily email with eight free sample offers. These include products such as disposable razors, dog bowls, and even fake tan! So, what are you waiting for? (U.K. only.)

              #7 SweetFreeStuff

                Since 2002, this simple site has been linking to the best free sample offers currently available. To get started, sign up to their daily email newsletter, which contains links to the latest offers. As well as free samples, SweetFreeStuff also gives information on coupons and deals. (Worldwide.)

                #8 Sample A Day

                  Would you like to receive a notification of a new free sample every day? Well, that’s the promise from this site. They claim to thoroughly research all offers, ensuring there are no catches or hidden surveys! From baby products to socks, this site is sure to have something for you. Registration is super-easy. Simply enter your email address. (Australia, Canada, U.K. and U.S. only.)

                  #9 Pretty Thrifty

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                    This site specializes in free beauty products, but also lets you claim free samples such as energy drinks, snack bars, and even magazine subscriptions. Pretty Thrifty has more than 85,000 followers on social media, so clearly knows how to attract free sample hunters. One thing that makes Pretty Thrifty stand out from most of their competitors, is that their email newsletter is available in daily, weekly and monthly formats. (Mostly U.S., with occasional offers for other countries.)

                    #10 CrazyFree

                      My final tip for getting the best free samples by mail, is Australian company CrazyFree. Their funky website offers big brand free sample offers, which currently include items such as Dolce & Gabbana perfume, Coke Zero, and Happy Dog pet food. To claim the offers, select the free samples you would like, and then complete their registration form. (Australia, U.K. and U.S. only.)

                      Receiving regular free samples by mail is a fabulous way of testing out the latest products on the market (and some that aren’t even on the market yet!)

                      You’ll impress your friends and family with all the free stuff you’ll be receiving. And take it from me… it’s a fun, free and rewarding hobby.

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