Your 30s are supposed to be your most productive, stable decade. But for many, it’s also when past financial mistakes come back to bite hard. At Vizzve Finance, we’ve seen the same regrets over and over. Let’s break them down so you don’t follow the same path.
❌ 1. Not Starting Investments Early
📉 “I wish I had started investing in my 20s…”
This is the most common regret. By waiting, you lose the power of compounding. Even small SIPs or PPF contributions could’ve grown into lakhs by now.
💡 Vizzve Tip: It’s never too late. Start now with automated monthly investing via mutual funds, SIPs, or digital gold.
❌ 2. Living on Credit Cards
💳 “I thought I’d repay it next month… but now I’m drowning in debt.”
Overspending and only paying the minimum due leads to snowballing debt.
💡 Vizzve Tip: Use credit only when you can repay fully. Switch to low-interest personal loans to clear credit card dues faster.
❌ 3. No Emergency Fund
🚨 “One medical emergency wiped out my savings.”
Life happens — job loss, accidents, family emergencies. Without an emergency fund, you're forced to borrow or break investments.
💡 Vizzve Tip: Build an emergency fund of 3–6 months' expenses in a liquid or high-interest savings account.
❌ 4. Delaying Insurance
🏥 “Now my premium is sky-high because I waited too long.”
Whether it’s health or term life insurance, delaying it increases cost and risks denial due to health issues later.
💡 Vizzve Tip: Get covered early. Vizzve partners with trusted insurance providers to help you compare and choose.
❌ 5. Not Tracking Spending
🧾 “I don’t even know where half my salary goes…”
Spending without awareness leads to lifestyle inflation, missed savings, and no clarity.
💡 Vizzve Tip: Use our budget tracker to understand your monthly patterns. Set alerts, analyze expenses, and take control.
💼 How Vizzve Helps You Fix These Regrets
✅ Personalized financial planning
✅ One-click investment tools
✅ EMI calculators and debt restructuring
✅ Emergency fund automation
✅ Budget tracking dashboard
🔖 FAQs
Q1: Is it too late to fix my finances at 35?
Not at all! You still have decades ahead to rebuild. Start today with a plan.
Q2: How can I clear my credit card debt smartly?
Try Vizzve’s low-interest debt consolidation loans. It’s cheaper than credit cards.
Q3: How much should I have in an emergency fund?
At least 3–6 months of basic expenses. More if you’re a freelancer or entrepreneur.
Q4: Why is starting early important in investing?
The earlier you invest, the more time your money has to grow due to compounding.
Published on : 28th July
Published by : SMITA
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