How To Be A Successful Adult: Start Saving ASAP – You’ll Be Thankful When You Hit Your 30s

Man, there are so many things to keep track of as an adult. Bills, taxes, saving your money so you don’t live paycheck to paycheck like you did in college, looking the part so people take you seriously, and how to handle taxes or even build good credit. It seriously seems like magic. A bit mystical. As if we are supposed to just know it as soon as we get the adult card.

I’ve got you! I know how you feel!

I recently put out a question on social media that went along the lines of:

I’m currently doing some research for a blog post series I’m doing.
“What do you wish you’d been given as a guidebook on for adult-ing?”

And I got a lot of answers from followers. So I thought I’d write a blog series on this. Because I feel like there should be a guidebook that is given to us as soon as we enter adulthood. And sure, we might know some of it or have a just of it, but knowing how to really succeed as an adult is kinda left out in college.

I’m Not Talking About Penny Bank Saving Like You Did When You Were A Kid

We all had that penny bank that sat on the dresser that we’d fill with pocket change and allowance. But I’m not talking about that kind of saving.

I know I’ve talked with people who wish they had started saving earlier. The earlier you begin, the more you’ll be able to save. And I really wish I’d started out earlier with my savings. I just didn’t take it seriously.

But now, looking back in hindsight, you can see what you wish you’d done differently.

Let’s be done with “Wishing” and do something that will actually make a difference now and in your future.

First Off, Save An Emergency Fund

This is super important. You should save anywhere from three to six months of living expenses for your emergency fund. Which means that if you need $2,000 a month to live, then you’d aim to save about $6,000-$12,000 for your emergency fund.

Dave Ramsey recommends saving up a $1,000 starter-emergency fund as fast as you can.

Some different ways you can save up money fast is:

  1. Sell things you have on Facebook Marketplace or have a garage sale.
  2. Go through the house (and the car, the laundry, and everywhere) and find all the change you can find. Put it in a jar where everyone in your family can find so they can drop coins in it when they walk by it. It’s a perfect place to unload the unneeded pocket weight.
  3. Set it (savings) and forget it. Use an app like Qapital and set it to save so much a week automatically.

Pay Off Your Debt

I really love Dave Ramsey. You may love him or not. But he has great ideas that work when it comes to paying off debt.

List your debts (except for the house) in order. Pay them off from smallest to largest. 


Every Dollar – Savings App

Something that really has helped me when it comes to saving during harder financial times, is asking myself “Do I need this now?” and that has made me put things back. There are things that I’ve answered “Yes!” to. But they usually have to do with these things:

  • Either my husband or I need clothes or shoes for work.
  • Food
  • Gas

Otherwise everything else, we save. Decide to live below your means.

How To Save A Little At A Time Auto-Magically

I recently found an amazing app that seriously helps you save money without thinking about it. And you can set how much you want to save a week and the app does the work for you, taking it out of your bank account and saving it.

Qapital is an app that helps you set goals for saving anything. It honestly takes the stress out of banking.

A couple of the goals I am saving for are: Down Payment, Emergency Fund, Family Visit Fund, Roth IRA, and New Couch. The app automatically saves money for you.

How Does It Work:

  1. Download the app. Use my link and get $20. (They have a 30 day free trial. After the 30 days there is a small monthly membership fee to keep things running smoothly.)
  2. Then you can set up the goals you’d like to save for.
  3. Set up how much you want to save for those goals. For example: “Trip to Italy” and then set it for something like $3,000.
  4. Then customize how much you want to save toward it a week. And then it saves automatically.

Different Ways To Save For Your Goals:

Get Windshield Changed (A rock hit it during the fall): $400

  • $10 every week

30% of Paycheck For Taxes (For my business)

  • 30% of each paycheck
  • Or you can save $1 on week one, $2 on week two, $3 on week three, and so on for 52 weeks. I love that the app does this automatically for you.

Get $20 And Start Saving Now!

Qapital is seriously unlike anything I’ve used before. You should check it out! Even if only for the 30-day free trial. You’ll get addicted.

Want to give it a try? Get $20 to try it!

Here is my link!