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5 financial mistakes to avoid in your 30s




The 30s, an age where life-changing events take place, is the age wherein the majority of the people are loaded with responsibilities.

You might get married, buy a new home, have a child, advance in your career, or have to look after your parents heading towards their old age.

This is the phase that is marked by several important financial decisions you might be required to take.

Thus, sound financial planning with caution of avoiding some common mistakes turns out to be your best financial friend.

Here are 5 common mistakes which most people make while financial planning in their 30s. If avoided, this can help you in bringing your financial health on track.

1. Living beyond means

Since you are in your 30s, you must be aware of the importance of having a budget and sticking to it religiously. When in your 30s, you need to make it a practice to evaluate your spending every few months. Try to analyze if you are spending too much on things that are not necessary and are underfunding your emergency or retirement plan.

Living beyond your means make ensure you are living a life you dreamed of in your 20s but can have an adverse impact on your future finances ultimately making you sacrifice more in the later years of your life.

2. Having too much high-interest debt

Credit cards are a savior when purchasing online. They help you in building a strong credit score. However, if you are once trapped in the habit of spending using your credit card, it is extremely difficult for you to get out. This can daunt your financial planning and health in the long run.

The interest rates that are charged on these plastic cards can be astronomically high. The right approach is to find out what interest you are paying and start by paying off the highest debt or interest rate first. The last thing you should do in your 30s is indulging in unnecessary debts which you will be required to pay off later.

3. Postponing your retirement planning

When you are too engrossed in your work, your retirement might seem an eternity away. This is nothing but a mirage that’s fooling you. The key to having a financially secure life after retirement is making retirement planning an essential part of your financial planning process.

Start as early as you can by putting away money for your retirement. Even if it’s a small amount you start with, make it a practice so are to harness the benefits of compounding interest over the long term. Seek assistance from your financial advisor by sharing your financial goals and objective with him and designing a strong financial plan.

4. Not setting up an emergency fund

As your family and your commitments grow, you need to be prepared both emotionally and financially for unprecedented and unexpected emergencies in life. The best way to start with is investing a small amount of your income in financial products giving you a higher rate of return.

Your emergency fund should be a crucial part of your financial planning and should reflect your increased responsibilities. Your financial planning should be such that it helps you avoid getting into a debt trap.

5. Waiting too long to start investing

Having financial freedom after retirement is something that cannot be achieved overnight. You need to plan your finances early to have a relaxed old age. Hence, instead of waiting for too long, you should start investing in different financial instruments early in life.

In your 30s you are still on the path of building your career. Hence, it is the right time you can take risks, start saving, start investing, and start your financial planning journey to have a debt-free and stress-free life in years to come.


Hypertension: 3 fruit juices that may help regulate blood pressure levels




Unhealthy eating habits, long working hours, and stress are some of the factors that have led to a number of lifestyle diseases; hypertension being the most common one.

Hypertension develops when blood imposes a greater force on the walls of the arteries, which leads to rise in the blood pressure level that crosses the top borderline range of 140/90 mmHg.

Blood pressure is basically the pressure that is levied on blood vessels as the result of blood flow and contraction and relaxation of the heart.

Hypertension, in its early stage, does not pose any serious threat. However, if it is not treated in time, it can lead to cardiovascular problems like heart attack and heart stroke.

That’s why a high blood pressure patient is advised to follow a healthy diet and include foods that are known to curb hypertension.

A balanced diet consisting of a mix of nutrient-rich foods can help a great deal in managing hypertension. Doctors advise consuming more foods with potassium and avoid foods with high sodium content.

Apart from healthy meals, salads and fruits, juices made from some fruits may do wonders to keep hypertension in check.

Here are some fruit juices that may help regulate blood pressure levels-

1. Pomegranate juice

Pomegranate juice comes packed with essential vitamins and potassium that helps in smooth circulation of blood. Pomegranate juice is also known to fight and eliminate ACE (angiotensin converting enzyme) – an enzyme that stiffens the blood vessels that leads to a rise in blood pressure.

Cranberry is a nutrient-dense fruit but its high content of Vitamin C is what makes it a great food for hypertension. Low-calorie cranberry juice helps in dilating blood vessels and proper circulation of blood.

3. Orange juice

This refreshing juice made using Vitamin C-rich fruit – orange – contains potassium, folate and natural citrus bioflavonoids, which help keep blood pressure levels low, improve metabolism and help in maintaining sound heart health.

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Fear commitment? Here’s what you need to know about Gamophobia




Are you afraid of dating and committing to a single person? Do you have a fear of saying “yes” to a marriage proposal?

When a relationship becomes serious, do you always break up? Then maybe, just maybe, you are a Gamophobe.

Gamophobia is the fear of commitment or the fear of marriage. A Gamophobe is one who has Gamophobia.

If you’re afraid of becoming emotionally and/or romantically involved with another person, then my friend, you’re a Gamophobe.

Do you still have doubts about your Gamophobic status? Let me give you a few signs of Gamophobia.

  • You’re always insecure in relationships
  • You’re unstable emotionally
  • You have intense fear of falling in love
  • You look for reasons to break up when the relationship is getting serious
  • You have trust issues
  • You get easily gets depressed when talking to someone new
  • You have this anxiety about settling down

Having said all that, the fear of commitment/Gamophobia can come in three forms:

1. Fear of intimacy/Genophobia

Genophobia is the fear of having sex.

When one is frightened by the thought of having an emotional or sexual relationship with another person, that’s a sign of Genophobia. In some cases of Genophobia, you might yearn to be intimate with another person but when it’s time to get down, you’ll find yourself drawing back. Childhood abuse is sometimes a major cause of this.

2. Fear of inhibition

When you shoot your shot and get turned down, you’re likely to feel sad and embarrassed. That feeling of embarrassment is called inhibition.

As a result, the fear of being ignored, embarrassed, or not receiving all of the affection you deserve in a relationship can lead to gamophobia.

3. Gynophobia and Androphobia

Gynophobia and Androphobia are the fear of women and men respectively. Gamophobia and commitment troubles might arise from someone who despises the opposing gender.

Now that we’ve looked at the forms and signs of Gamophobia, let’s have a look at the causes.

Oftentimes, bad experiences from previous relationships can make you lose interest in commitment, and this can gradually turn into a phobia.

  • Bad childhood experiences

Growing up in an unhappy or broken home can make you become a gamophobe. Being abused as a child emotionally, sexually or physically, also triggers gamophobia.

Someone who is naturally uncertain about themselves or other people can struggle to remain committed in relationships. This is not about their partner, it is always about their personality.

Are you Gamophobic and think you need help?

  • Surround yourself with couples in a happy relationship, and;
  • Try consulting a therapist.
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4 types of men women admire easily



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Romantic attraction is a complicated thing that scientists still don’t completely understand.

But, through research and experimentation, they’ve come up with many ideas about what draws one person to another.

Below, are some insights about the traits and behaviors that make men more appealing to women.

1. Men with beards

If you are a guy and you don’t have beards, please try your possible best to start keeping beards because ladies loves guys with beards. Ladies find guys with beards attractive.

2. Successful guys

That’s not to say that serious can’t be sexy, either. You may have heard that celebrities are attractive, and a big part of that is that, well, success is sexy. When you can do things that other people can’t do, when you can blow people’s minds, drop people’s jaws or make them stop and stare, you’re going to have a much easier time dating.

3. Good looking guy

Good look can be a factor, but they’re not as important as you may think. Women typically choose better-looking guys for flings, not long-term relationships.

4. A man who is persistent

The way to be persistent without looking needy is to be charming. Asking a girl out multiple times isn’t creepy if you find a way not to be creepy about it. What helps with this is always having a smile, and not looking disheartened if things don’t go your way. Being able to move on and try again is powerful as it shows the girl that you have core confidence and small things don’t shake you.

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